No product or service offering is "one-size-fits-all", as each has its own benefits and limitations, and may not address all of the key risk areas. To best serve our clients and provide effective risk management advice, a CITRMS Consultant will be able to provide a holistic risk management approach and recommendations that address all areas of risk. It is important to know about a variety of products and services, or package thereof, in a plan that can be implemented and tailored to the client's specific needs, budget, areas of risk, business operations, individual lifestyle, and comfort level. Perhaps a client already subscribes to a service that addresses some areas of risk, but remains vulnerable in others that have been identified. A client or a family member may already be a victim of Identity Theft and need immediate assistance; or, perhaps the client is a business owner whose business handles protected non-public information, has high employee turnover, or is unaware of applicable data security requirements.

A CITRMS Consultant will help you understand the (5) five common types of Identity Theft and that credit monitoring services are limited to risks involving only financial accounts, and then only to those that are actually reported to the specific credit bureau(s) monitored. Most insurance policies do not reimburse actual financial losses and have extensive limitations on expense reimbursement. Packaged assistance services typically exclude "pre-existing" incidents, and most do not address other important risk areas such as Internet threats, computer security, or data protection. Most services are also designed for an individual consumer as opposed to the needs of a business owner, the business itself, or even the business' customers in the event of a breach.