Recovering from Identity Theft

How Cyber Guard Helps You Reclaim Your Identity and Your Peace of Mind

Identity theft is one of the fastest-growing cybercrimes worldwide — and South Africa is no exception. Every day, innocent people wake up to discover that their names have been used to open fraudulent accounts, apply for loans, or even commit crimes. The emotional, financial, and reputational damage can be devastating.

Worse still, most victims only discover the theft after the damage has been done.

What Is Identity Theft?

Identity theft occurs when someone unlawfully obtains and uses your personal information — such as your ID number, banking details, email credentials, or medical records — usually to commit fraud.

Here are some common scenarios:

• A data breach at your service provider exposes your private information.

• A hacker gains access to your personal email and uses it to reset your bank or loan credentials.

• Fraudsters open credit lines or store accounts in your name and leave you with the debt.

Whether you’re dealing with fake loans, unauthorised medical aid claims, or online impersonation, the effects of identity theft can linger for years — damaging your credit score, delaying financial approvals, and destroying your reputation.

The Hidden Costs of Identity Theft

Victims of identity theft often face a long, exhausting journey to clear their name. You may need to:

• Take time off work to gather documents and communicate with service providers.

• Reapply for credit cards, bank accounts, or official documents.

• Pay legal fees to dispute debts or prove fraud.

• Monitor your credit for years to come to prevent further damage.

These costs — both financial and emotional — add up quickly. And without support, many victims are left to handle the fallout on their own.

How Cyber Guard Helps You Recover

Cyber Guard is more than a digital security solution — we’re your identity recovery partner when the worst happens. Here’s what we do to help:

1. Lost Income Recovery

If you need time off work to handle the administrative burden of reclaiming your identity, we’ll compensate you for your lost income.

2. Legal Support

We cover legal fees related to the incident — whether you’re disputing fraudulent debt, defending yourself from wrongful charges, or taking action against the party responsible for the breach.

3. Document Re-issuance & Recovery Costs

Need to replace a stolen or compromised ID, passport, or driver’s license? Cyber Guard reimburses you for the costs of reapplying for critical documentation.

4. Credit and Identity Monitoring

For up to six months, we provide identity and credit monitoring services, alerting you to any suspicious activity and helping you prevent a repeat offense.

5. Affidavits and Admin Assistance

From notarising affidavits to coordinating communications with financial institutions and credit bureaus, we walk with you through the entire process.

Real-World Example

Imagine you’re applying for a home loan when the bank informs you that your credit score has tanked — due to multiple unpaid loans you never took. After investigating, you discover your personal information was stolen during a data breach last year.

Cyber Guard immediately steps in. We assign a recovery expert to assist with clearing your credit report, reimbursing you for lost income and legal costs. We also monitor your identity for future threats. Within weeks, your record is restored — and you’re able to move forward with confidence.

Final Thoughts

Identity theft can happen to anyone — and it often strikes when you least expect it. But with Cyber Guard, you don’t have to face the damage alone.

We don’t just help you defend against identity fraud — we help you recover. We cover the costs, guide you through the process, and stand by your side until your name is fully restored.

🛡️ Is your identity protected?
Let Cyber Guard give you the protection — and recovery — you deserve.
Contact us today for a free identity protection assessment.