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Benefit Help
Free Annual Credit Report Access Reminder Service (all 3 bureaus): Provides easy access to federally mandated free credit reports from Experian, Transunion, and Equifax, along with a reminder service to request reports every four months (if consumer’s email address is provided).
Identity Risk Scores: A proactive scoring solution based on data, not demographics, to help consumers identify their level of identity theft risk. This is not a credit score or credit rating. A risk score is generated by applying proprietary analytics to 300 billion records (99% of U.S. adult consumers) and thousands of databases to create a risk score between 0 and 999. If relevant information is found that affects risk, the score changes.
Identity Monitoring with Proactive Phone Alerts: Our proprietary algorithms search and monitor thousands of databases and 300 billion records searching for suspicious activity that could indicate the beginning steps of identity theft. We do not require a consumer to provide personal information such as a Social Security number or date of birth to protect and monitor for suspicious activity. The consumer supplies common information including name, address, and phone number (email address optional) to create a data profile. The provider then compares that information with our databases to identify suspicious activity and make a personal alert phone call, if necessary
High Risk Monitoring - Account Activity Alerts: We monitor participating banks, online retailers, telecom providers, health insurers and more looking for suspicious activity that could indicate the beginning steps of identity theft to both the consumer’s current accounts and new accounts. These are alerts that typically take place outside of a credit report and expose consumers to financial risk. Once in the secure area, the consumer has the option to enter a Social Security number to activate this benefit. The provider does not store SSNs or use them for any other purpose.
Credit Monitoring (Single & Triple Bureau) with Email Alerts as Applicable: Monitors and alerts a consumer when certain types of new activity appear on credit file. This includes positive and negative reason codes and Incorporates non-traditional data to expand the scorable population by 30-35M consumers. Considers at least 24 months of credit history (including utilities, rent and telco when available) for increased predictiveness (Single Bureau through TransUnion) Credit Scores & Credit Reports also available.
Dark Web Monitoring: We scan the internet to find exposed information on the dark web – driver’s license, up to 10 credit and debit cards, up to 10 bank accounts, passport, up to 10 phone numbers, up to 10 email addresses, postal address, and medical ID.
Identity Theft Insurance with $0 Deductible – Discovery Based Identity Theft Event*: $25,000 or $1,000,000. This insurance aids in the recovery of a stolen identity by helping to cover expenses normally associated with identity theft.
$1,000,000 insurance for Unauthorized Funds Transfer: This insurance aids in the recovery of an Unauthorized Electronic Funds Transfer on an occurrence basis.
Fully Managed Identity Restoration: Should identity theft occur; the provider does whatever it takes to restore the consumer’s name to pre-identity theft status. This benefit has an unlimited service guarantee and will spend whatever it takes in restoring the consumer’s identity and good name to a pre-theft status.
Social Security Statement Access and Reminder (online only): Provides easy access to online Social Security statements and a reminder tool for consumers to access statements every four months. If unknown income is shown, the consumer may identify that as suspicious activity.
Lost Wallet/Purse: Uses multi-party calls to cancel/reissue credit cards and close bank accounts. We do not ask a consumer to enter personal information such as credit/debit card numbers, driver's license number, and medical health numbers on our website. Instead, we have our Fraud Resolution Specialists provide personal telephone assistance.
Reduced Pre-Approved Credit Offers: Provides access to opt-out of receiving "firm credit card offers" for five years or permanently. We also provide easy access to additional websites to address the problem of unwanted mail/phone calls.
Quarterly Online Newsletter: a quarterly e-newsletter educating consumers on identity theft protection.
Monthly Email If No Suspicious Activity Found (email address required): An email notification sent every 30 days if no suspicious activity is detected. An email address must be on file for email to be received.
Identity Risk Scores: A proactive scoring solution based on data, not demographics, to help consumers identify their level of identity theft risk. This is not a credit score or credit rating. A risk score is generated by applying proprietary analytics to 300 billion records (99% of U.S. adult consumers) and thousands of databases to create a risk score between 0 and 999. If relevant information is found that affects risk, the score changes.
Identity Monitoring with Proactive Phone Alerts: Our proprietary algorithms search and monitor thousands of databases and 300 billion records searching for suspicious activity that could indicate the beginning steps of identity theft. We do not require a consumer to provide personal information such as a Social Security number or date of birth to protect and monitor for suspicious activity. The consumer supplies common information including name, address, and phone number (email address optional) to create a data profile. The provider then compares that information with our databases to identify suspicious activity and make a personal alert phone call, if necessary
High Risk Monitoring - Account Activity Alerts: We monitor participating banks, online retailers, telecom providers, health insurers and more looking for suspicious activity that could indicate the beginning steps of identity theft to both the consumer’s current accounts and new accounts. These are alerts that typically take place outside of a credit report and expose consumers to financial risk. Once in the secure area, the consumer has the option to enter a Social Security number to activate this benefit. The provider does not store SSNs or use them for any other purpose.
Credit Monitoring (Single & Triple Bureau) with Email Alerts as Applicable: Monitors and alerts a consumer when certain types of new activity appear on credit file. This includes positive and negative reason codes and Incorporates non-traditional data to expand the scorable population by 30-35M consumers. Considers at least 24 months of credit history (including utilities, rent and telco when available) for increased predictiveness (Single Bureau through TransUnion) Credit Scores & Credit Reports also available.
Dark Web Monitoring: We scan the internet to find exposed information on the dark web – driver’s license, up to 10 credit and debit cards, up to 10 bank accounts, passport, up to 10 phone numbers, up to 10 email addresses, postal address, and medical ID.
Identity Theft Insurance with $0 Deductible – Discovery Based Identity Theft Event*: $25,000 or $1,000,000. This insurance aids in the recovery of a stolen identity by helping to cover expenses normally associated with identity theft.
$1,000,000 insurance for Unauthorized Funds Transfer: This insurance aids in the recovery of an Unauthorized Electronic Funds Transfer on an occurrence basis.
Fully Managed Identity Restoration: Should identity theft occur; the provider does whatever it takes to restore the consumer’s name to pre-identity theft status. This benefit has an unlimited service guarantee and will spend whatever it takes in restoring the consumer’s identity and good name to a pre-theft status.
Social Security Statement Access and Reminder (online only): Provides easy access to online Social Security statements and a reminder tool for consumers to access statements every four months. If unknown income is shown, the consumer may identify that as suspicious activity.
Lost Wallet/Purse: Uses multi-party calls to cancel/reissue credit cards and close bank accounts. We do not ask a consumer to enter personal information such as credit/debit card numbers, driver's license number, and medical health numbers on our website. Instead, we have our Fraud Resolution Specialists provide personal telephone assistance.
Reduced Pre-Approved Credit Offers: Provides access to opt-out of receiving "firm credit card offers" for five years or permanently. We also provide easy access to additional websites to address the problem of unwanted mail/phone calls.
Quarterly Online Newsletter: a quarterly e-newsletter educating consumers on identity theft protection.
Monthly Email If No Suspicious Activity Found (email address required): An email notification sent every 30 days if no suspicious activity is detected. An email address must be on file for email to be received.
