Frequently Asked Questions If you would like a free property assessment, call (800) 532-1613

Title fraud is when someone obtains your property’s title for financial gain. Usually this is done through stealing your identity and transferring ownership from your name to theirs – then they secure loans using your equity as collateral.

You would only find out about the fraud once the property has been transferred and you’re on the hook for a fraudulent loan, legal bills, and proving you’re a victim of identity theft to all the parties involved.

By securing your property with a Title Freeze™, the fraudster has no incentive to victimize you – they’ll move on to an easier target.

Title Freeze™ is our patent pending process of hardening your property’s title to eliminate the risk of title fraud. It locks the equity you have so you can use it when you want without the worry of scammers taking advantage.

Any property that has equity is at risk of thieves stealing their money – with a Title Freeze™ active on your property, criminals are blocked from attempting to steal your property’s equity.

No. American Title Lock is the only company that provides Title Freeze™, our patent pending process that freezes the equity in your property and locks it from thieves.

Other title fraud alert services are reactive and notify you after you’ve become a victim. Your bank, homeowners insurance, or identity theft protection will not help prevent this fraudulent scheme from occurring.

Depends. When you bought your property, the lender required title insurance to ensure that the property had clean title. This lender’s title insurance will only protect your property before and up to the time of escrow closing – there’s no coverage for future events after escrow closes.

After you’ve closed escrow, your lender’s title insurance becomes inactive and typically you are required to purchase an owner’s title insurance policy. This insurance policy (like any insurance) has limitations and they’re profit driven so it is in their interest to deny claims if its possible. In addition to the expense and time of filing a claim, your equity can become tied up and it’s your responsibility to pay out of pocket legal fees to defend yourself if anything goes wrong. Plus you’ll have to go through the process of proving to everyone involved you were a victim of identity theft.

Begin by signing up online or calling (800) 532-1613
There’s a variety of criminals which perpetuate this fraud – from sophisticated criminal enterprises (some made up of local mortgage or real estate brokers) to lone wolf scammers. It’s so wide spread because of how easy it is to pull off.

After working alongside FBI special agents and fraud unit detectives to catch criminals, we’ve learned there is no protective measures you can take besides securing your property with a Title Freeze™.

Absolutely not. Your personal credit score has nothing to do with your property’s title.

Your personal credit score is related to your creditworthiness in the eyes of the major credit reporting bureaus. Many security and financial experts suggest you place a free credit freeze on your personal credit at each of the bureaus as its one of the most effective ways to prevent fraudsters from taking out lines of credit (credit cards, personal loans, etc).

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