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Dave Miller – Tech Enthusiast & Security Expert – June 6th, 2022
House title theft is a genuine problem that the FBI has noticed in many major American cities, so you might ask, Is Home Title Lock Worth It? When someone acquires your home deed without your permission, it is known as home title theft or deed theft. Installing a surveillance system for physical security helps keep your home secure. But what have you done with all those critical documents that contain personal data? With so much on the line, homeowners must consider how they may assist preserve their most valuable possession.
Continue reading to learn how Norton LifelockTM Home Title protects you and whether you truly need it.
Norton provides several tools, services, and resources to assist consumers and small businesses in achieving protection. Like Norton’s other products, Norton LifeLock is a complete protection solution for the digital world designed to empower individuals when they have confidence in their online security.
Since the world has evolved, it is no longer possible to ignore digital existence. As a result, Norton took on the issue of protecting individuals all over the world in the digital age. LifeLock has offered identity theft protection in the United States for some years. It meets the demands of approximately 50 million consumers by providing complete identity, internet privacy, and family and home safety.
LifeLock offers a variety of advanced security tools, including Norton Home Title Monitoring, which we will explore today.
Since our house is arguably our most precious asset, what are you doing to safeguard it? What if I told you that fraud is committed by taking your identity, forging your name on a deed, and claiming your home ownership? I’m not joking. It is the whole goal of Norton’s LifelockTM House Title Secure service. It will monitor and warn you if we identify changes to your property’s title at the county recorder’s office. So you can take the required steps to protect your home.
Not only does Norton’s Home Title Monitoring tool protect your home asset. But it also protects your second property, rental home, or even other properties in which you have an ownership stake. It also includes several enhanced security checks that will assist you in keeping your assets safe. You are free without worrying about all of the procedures that may appear to be challenging to implement. I’ll go over how LifelockTM Home Title Protect works and is Home Title Lock worth it in detail later. But first, let’s look at why you might need it now rather than later
You’re still not convinced that a criminal can take your identity. To understand how it can happen. A simple explanation is that the digital thieves identify a house they wish to take over and perform identity theft, providing supporting papers in your name. They may use it to counterfeit a deed that makes it appear to own the property. They now use legitimate authorities to transfer a house deed by faking your signature and falsifying paperwork.
The FBI is already dealing with such a case to add to your information. Through a piece of junk mail that most of us overlook, Rohina Husseini learned in 2019 that the house she had owned for almost a decade was no longer hers. Her property had been acquired by a stranger, with real estate investors among the offenders of this deed theft.
Similarly, most consumers are unaware that they have been the victim of title theft until they get a foreclosure notice from the bank that holds the fraudulent house loan. Aside from this example, consider some additional deed fraud data.
The FBI estimated a few years ago that 9,600 homeowners in the United States were victims of title fraud.
Matthew Cox, a convicted house title scam artist, admitted to defrauding $55 million. As a former licensed mortgage broker, I was responsible for $15 million in title fraud.
According to the Journal of World Economic Research, deed theft had cost $547 million in 2020.
According to Experian’s Identity Theft Statistics report, victims reported 30,034 loan or lease fraud cases and 25,849 cases of government papers or benefits fraud.
To combat the growing problem of deed fraud, Norton created House Title Protect, which notifies you whenever we discover changes to your home title. As a result, if you are a victim of fraud, you will be assigned to another Specialist who might work with you until your case is concluded. The features of Norton Home Title Protect are as follows.
Let’s discuss the features of Home Title Protect one by one and later discuss is Home Title Lock worth It
Norton will monitor an infinite amount of property in which they discover you have an ownership stake with LifeLock Home Title Protect. It will assist you in detecting any fraud involving your house title. Norton Home LifeLock keeps an eye on the county government recorder’s office for changes to your home’s title and then keeps track of and notifies you of any possible developments, such as:
A new property record has been created.
Ownership change
A new lender gets found.
A change in funding
Notification of default
LifeLockTM Identity Theft Protection now includes all other monitoring settings. All of this information will aid in the protection of your identity by allowing you to scan for names and addresses associated with your Social Security number. The dark web it’s the first location where these crooks buy and sell your data.
Note: Home Title Monitoring sends you notifications based on the information from the county recorder’s office. It might cause delays, data inaccessible, or recent activity on your property to be unavailable until the recorder’s office processes it. Furthermore, if your property was held under various names, Norton may be unable to locate it.
When you get house title notices, you can call the local recorder’s office to request a document about the notification or contact the new lender. If the problem persists, Norton should get reached right away.
It’s terrifying to have your identity stolen, and you might not know who did it, where to start, or whether you have the time to restore it. If you are a victim of house title fraud, Norton will assign an Identity Restoration Specialist to you. Norton Identity Restoration Specialist will assist you from start to finish in the restoration process. The procedures will look like the below
The restoration specialist will collect probable identity theft information by gathering the information you supply to initiate a case. He will assist you with merchants and third parties. Guiding you through the procedure of contacting merchants to assist you in resolving your issue until you have the correct release letter from the retailers and third parties.
Norton also offers a Reimbursement for Lost Funds and Personal Expenses coverage, with $1 million limitations and a $1 million range for attorneys and specialists if needed to assist recover your identity. While each case is unique, the length of time depends on the case’s complexity. But you don’t have to worry; Norton will appoint a specialized Identity Restoration Specialist to assist you with your case from start to finish.
Note: Remember that NortonLifeLock Inc. owns the Norton and LifeLock brands. In some countries, LifeLock identity theft protection is not accessible. And identity restoration specialists are only available in the United States.
If you feel you have been a victim of identity theft, please contact NortonLifeLock Member Services & Support.
Professional reviews praise LifeLock for its comprehensive monitoring services that are simple to use. It will be impossible unless the service has a solid customer care structure. If Norton notifies you of an identity match or potential theft, you must respond fast.
Norton, fortunately, offers the most comprehensive support website, complete with how-to manuals and video tutorials. You will get a community that will support you in answering those questions
Aside from that, Norton is there to help you 24 hours a day, seven days a week. Our corporate headquarters can get reached via call, fax, or mail. You can also go there. For self-service alternatives and quick responses to most questions, go to the protected LifeLock membership portal or the My Norton website
Norton Contact Details
International: 1-480-457-4500ls
Phone: 1-800-543-3562
You should be aware that you cannot officially lock your house title and that these services don’t title insurance plans. Norton provides you with frequent monitoring to notify you when a deed transfer has happened. It will only happen once your identification has been taken and title fraud has begun. So, you won’t know whether the theft will occur until after you’ve been a victim of it.
Although you will have several choices with LifeLock to keep yourself secure in the first place, identity theft for your Hose title is a possibility. Even Norton admits that nobody can avoid all forms of cybercrime or identity theft. Even Norton and other such programs will only assist you with monitoring. As a result, the answer to the question Is Home Title Lock Worth It will not be yes.
There’s no need to pay more or separately for a house title protection service if you don’t have much in your name and keep your information protected in other ways. Even the attorneys and consultants at RRPG Law consider it to be ineffective.
They claim that people who market it want you to assume it’s an extra layer of protection comparable to title insurance, and it’s meaningless. It purports to protect homeowners from title fraud, but it isn’t insurance. It offers little protection against a fraudster transferring your title fraudulently; however, if you’re worried about losing your identity to a cybercriminal.
I won’t rule out the possibility of signing up for one of the top identity theft protection programs for monitoring.
If you don’t want to use a third-party service to keep track of everything for you, you can take a few precautions to keep yourself safe online and check records yourself.
Always Opt For a Reputable Licensed Agency: Always use a credible, registered title company when purchasing a home. You may review prior client references and even do a background check to get the finest Legitimate agency for your needs.
Regular Check Home Title Records: A property title search looks at public documents to determine the property’s legitimate legal owner. The county individual property data are usually available online for free in most counties. It’s a good idea to check in every few months.
Educate Yourself For Best Security Practices: Some generic best practices are included in cybersecurity best practices. When answering the phone to a stranger, you should avoid revealing personally-identifying information such as your Social Security number or credit card number. Knowing what to look for might help you increase your data breach defenses.
NortonLifeLock Inc. is a cybersecurity software and services Fortune 500 company and an S&P 500 stock market index component. The features of the Norton LifeLock will keep you safe in every manner conceivable. Norton recognizes that purchasing a home is one of the most significant investments. As a result, your property title has excellent value to them.
LifeLock House Title Protect is now available as a standalone solution that watches for and warns you of entries made at the recorder’s office relating to your home title. However, it is not suitable for everyone. If you choose this service, you must be seeking something distinct in your security. Instead, it would help if you thought about purchasing an owner’s title insurance coverage.
Because owner’s title insurance can shield you from the financial consequences of deed fraud and pay the price of resolving the issue, it is the essential item you should invest in.
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Dave Miller is an IT Consultant for Online Cloud Security and has over 7 years of experience in the Information Technology space. He also specializes in repairing laptops & computers. In his spare time, he loves to talk about new technologies and hosts monthly IT and Cyber Security meetings in the Houston area.
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Online Cloud Security is here to recommend you the most secure devices, from laptops to smartphones, we only want to provide you with products that we have tested and used ourselves for online security. Every product that we recommend is heavily inspected and tested for security against hackers, viruses, malware, and any other intruders that may want to steal your information.
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