How it Works

THE TITLE PROTECT SERVICE SYSTEM

Title Protect and Identity Plus utilizes a proprietary system that implements a flag to check against attempts to change or modify your title or credit, depending on which of our products you choose. When a change is attempted, the Title Protect system is notified and Title Protect issues a warning to prevent any changes in the Title Registry.

PREVENT vs REACT

The Title Protect and Identity Plus system works to proactively protect your title and identity before any form of fraud occurs. The Title Protect and Identity Plus system is designed to make it harder for would-be thieves to use your identity to affect your property or credit, using the very loopholes that the would-be thieves use but against them. 

It works to prevent any attempts to change your title and keep you from the fallout to recover your property, which can take months if not years (and the incalculable emotional impact).

HOW TITLE INSURANCE WORKS

Title Insurance is a policy you buy at the time you purchase your home. It only protects you from the after affects of Title Fraud. It does nothing to prevent it. When you become the victim of fraud, Title Insurance may return title to the original condition when you bought the policy, subject to the policy limits but Title Fraud can take months or even years to discover, let alone restore your title, if you can.

HOW BASIC TITLE FRAUD WORKS

After you have purchased your home, your name is registered in a public data base which identifies you and title of the property in your name. Anyone can search this government land registration and see you as the owner, your mortgage information and any other registrations on title.

The Title Fraud occurs when the thief obtains the title to your property through a fraudulent transfer document. Unfortunately it is very simple and it is almost always tied into an event of identity theft.

The thief that targets you will forge the transfer of the deed to your house and then register the title to the property in their name. Next, they forge a discharge of the existing mortgage and then borrow a new mortgage against the cleared title.

The thief does not make any payments and when the lender serves notice that it intends to foreclose, the scheme is at that point brought to the attention of the real owner, which may be months later.