We cover what the others don't!!! All 5 areas of identity theft! Harvard provides a complete credit report, also monitor your credit through various avenues like the post office, IRS, and the credit card companies, we also help restore your identity when the others will not! Harvard Risk Management offers the best Pre-Paid Legal plans. Put the best attorney's in your state to work for you! Legal plans offer unlimited consultation about any law questions, 24 hour emergency access, contract review, letters & calls on your behalf, your comprehensive will for you and your spouse, speeding ticket defense (even for teen drivers), accident representation, civil lawsuit coverage, IRS audit defense, and 25% off on ALL other issues!