ID TheftSmart
The professionals at ID TheftSmart will protect your assets and identity as its own. Signing up is easy, the cost is affordable, and the peace of mind is immeasurable!
Option 1
Coverage:
Individual
Services:
ID Theft Counseling
ID Theft Restoration
Monitoring:
Self-Monitoring
Added Services:
None.
Notification:
None.
Option 2
Coverage:
Individual
Services:
ID Theft Counseling
ID Theft Restoration
Monitoring:
Single Bureau
Added Services:
Alerts of:
- New accounts opened
- Payment delinquencies
- Credit inquiries
- Public record changes
- Change of address
Notification:
Email and postal delivery
Option 3
Coverage:
Individual
Services:
ID Theft Counseling
ID Theft Restoration
Monitoring:
Triple Bureau
Scanning of personal / identifiable information
Added Services:
Option 2 plus:
AddressAware – Monitoring of address at USPS
Web Watcher – Scan personal info on dark web
Personal Persona – Scanning of credit data
Notification:
Email only
How Does ID TheftSmart Protect, Detect, and Restore?
Protect
- Consult on best practices for managing Personal Identifying Information
- Provide safety guidelines for communicating and interacting online
- Provide cardholders information about their rights under federal and state laws
- Consult on best practices for consumer privacy
- Access to a personal advocate if identity theft occurs
Detect
- Provide an action plan when information has been compromised
- Help with interpreting and analyzing credit reports
- Fraud alert assistance
- Credit freeze consultation
- Provide personal assistance when suspicious issues extend beyond initial findings
Restore
- Confirm identity fraud and identify its nature and scope
- Assist in obtaining a police report
- Provide tri-merged credit report and perform full non-credit searches
- Work on behalf of members until all identity theft issues have been verifiably resolved
- Place seven-year fraud victim statements with credit reporting agencies when applicable
Offered on all 3 options, ID Theft Counseling includes one-on-one consultation & advocacy on your behalf. They will not only resolve known issues, but can also proactively identify and resolve previously unknown identity theft events.
You do not have to be a victim of identity theft to benefit from counseling. If you have a concern about your identity, you have access to assistance and consultation.
Here are some of the ways ID TheftSmart can assist and provide guidance:
- How to secure your financial transaction
- What are the best practices for consumer privacy
- Methods to protect your personal information while shopping and communicating online
- Provide insight for preventing identity theft
- What are your consumer rights under federal and state law in the United States
- How does a parent safeguard the identity of a child who is a minor
- Discuss how to effectively shield a recently deceased family member from identity theft
- Assist you in the event of a stolen/lost wallet
- What to do if you receive a data breach notification letter indicating your information was compromised
- Consult in the event you receive abusive or harassing debt collection communication as a result of a stolen identity
- Help with interpreting and analyzing your credit report and other consumer reports
Offered on all 3 options, ID Theft Restoration includes confirming fraud, investigating, and identifying its starting point. Even if you have a credit monitoring service already in place, consider this: the Federal Trade Commission estimates that it will take 6 months, 200 hours, and $1500 to restore your identity once it has been stolen. ID TheftSmart is the only place you will get a full-service restoration of your identity, saving you time, money, and headache.
You will be assigned a personal investigator, who will:
- Investigate known, unknown & potentially complicated trails of fraudulent activity
- Organize details of issues & explaining your rights
- Initiate credit freezes on your behalf
- Make phone calls on your behalf
- Issue fraud alerts with:
- All three national credit bureau: Experian, TransUnion, and Equifax
- Social Security Administration (SSA)
- Federal Trade Commission (FTC)
- US Postal Service (USPS)
- Prepare appropriate documentation on your behalf
Offered on options 2 and 3, Credit Monitoring will notify you of activity on your credit file. An alert is provided when any one of the following activities is reported:
- New account openings
- Credit inquiries
- Payment delinquencies
- Public record changes
- Change of address
Alerts are provided on a daily basis from the reporting agency. Notification of no activity is delivered on a monthly basis.
Clients who select Single Bureau Credit Monitoring can choose to have alerts mailed (via US Postal Delivery), on a quarterly basis.
Credit Specialists are available 7am-7pm (CST), Monday – Friday, excluding holidays.
Offered only on option 3, an idINTEGRITY scan is an early warning Online Fraud Detection service that performs regular searches of the Internet for your personal and financial information. If any suspicious activity is found, you will be immediately notified via email. ID Integrity Scan allows you to:
- Monitor your name and Social Security numbers on millions of public records through a secure online registry
- Register personal identifying information such as address and credit card information to be found and removed from Internet directories at your discretion
- View the risk status of each tracked item on your personal Fraud Detection Dashboard
- Receive email alerts immediately if there is any change in the status of a tracked item