Frequently Asked Questions (FAQs)

What is ID Theft?
How does identity theft occur?
What steps, in addition to ID Protection Service™, can I take to prevent Identity Theft?
What is ID Protection Service™?
How can I enroll in the program?
How much does ID Protection Service™ cost?
What happens if the identity theft occurred before I subscribed to ID Protection Service™?
Can I become a victim of Identity theft even if I subscribe to ID Protection Service™?
What happens after I subscribe?
Does ID Protection Service™ repair my credit?
How do I access the ID Protection Service™ website if I forgot my user ID and or password?
How do I dispute errors found on my personal credit report from ID Protection Service™?

What is ID Theft?

"Identity theft" refers to crimes in which someone wrongfully obtains and uses another person's personal data (i.e. name, date of birth, social security number, driver's license number), and your financial identity (i.e. credit card, bank account and phone-card numbers) in some way that involves fraud or deception, typically for economic gain (to obtain money or goods/services). Criminals also use identity theft to fraudulently obtain identification cards, driver licenses, birth certificates, social security numbers, travel visas and other official government papers.

Unlike your fingerprints (which are unique to you and can not easily be given to, or stolen by, someone else for their use), your personal data can be used, if it falls into the wrong hands, allowing criminals to profit at your expense. In addition, the Federal Trade Commission indicates that on average, most victims do not even know their identity has been stolen until more than a year later.

Identity theft can have devastating consequences for you, as the victim, who may face long hours of closing bad accounts, opening new ones, and repairing your wrecked credit record. And, it may take significant out-of-pocket expenses to clear your good name. In the meantime, you may be denied jobs, loans, education, housing, and cars, or even get arrested for crimes you did not commit. Unfortunately, the experience of thousands of victims is that it often requires months, and even years, to navigate the frustrating, identity-recovery process.

How does identity theft occur?

Identity thieves only need a few pieces of personal information, such as the person's Social Security number or name, and address to begin opening accounts in a person's name and compromising their identity. They can obtain this information in several ways:

  • By looking through the trash at home or at work to retrieve discarded bills, pieces of mail, and/or credit applications.
  • By going through mailboxes for bills, checks, credit applications, etc.
  • By impersonating employees of a bank or credit bureau and asking for personal information such as a victim's Social Security number over the telephone or the Internet (also termed "phishing").
  • By posing as landlords, lawyers, or other officials that would legitimately have access to personal information.
  • In some states, the driver's license has the Social Security number printed on the license. An identity thief can easily copy down this information when a person uses it for identification. The same thing can occur with other identification that has the Social Security number on the card.
  • By stealing credit cards (or the numbers), driver's license numbers, ATM cards, or telephone cards and using this information.

What steps, in addition to ID Protection Service™, can I take to prevent Identity Theft?

Although the monitoring and notification provided by ID Protection Service will provide a great deal of prevention, there are a few simple, every day steps you can take to protect yourself:

  • Use a crosscut paper shredder on credit card bills/offers, bank checks/statements, and other documents with personal information (e.g., Social Security, credit card, and driver's license numbers) before throwing them away to prevent thieves from gaining easy access to the information
  • Use a locked, secured mailbox (or location) or United States Postal Service mailbox to receive your mail
  • Whether it is over the phone, in person, or via the Internet, do not provide personal information (personal, medical, financial, mother's maiden name, etc.) unless it is to people you know or contacted first
  • When you do provide personal information, be sure you know how the requesting party plans to use, share, secure, and dispose of it
  • Do not give out your Social Security number unless it is absolutely necessary
  • Make sure that none of the identification cards you carry in your wallet or purse (e.g., medical insurance or military cards) include your Social Security number
  • You can elect to stop receiving pre-approved offers for credit. Call 888-5OPTOUT to stop them.

What is ID Protection Service™?

ID Protection Service is a comprehensive Identity Theft Protection solution. As a subscriber, you will gain the peace of mind knowing that ID Protection Service includes robust Detection, Reimbursement and Resolution services.

In order to avoid becoming an identity theft victim, ID Protection Service monitors your credit files reported from one or more credit reporting agencies. We monitor for specific changes such as inquiries, new accounts, address changes, delinquencies, and public records. If a specific change is detected, an alert is sent to you via email.

If you do fall victim to identity theft, ID Protection Service provides comprehensive Recovery services so that you don't waste your valuable time and money restoring your credit. We do the work for you.

ID Protection Service features include:

  • Constant monitoring of your credit files as reported from one or more credit reporting agencies
  • Email notification alert of any changes to your credit file(s)
  • Monitoring of criminal Web sites and bulletin boards for illicit trading of your personal info*
  • Monitoring public records for illicit activity associated with your name, Social Security number and date of birth*
  • Monitoring of registered sex offenders residing near or living in your neighborhood*
  • Monitoring of short-term, high-interest loan applications that don?t require credit inquiries*
  • Online access to all alerts generated from ID Protection Service
  • Ability to request copies of your Credit Reports with credit score
  • Identity Theft insurance coverage through AIG** that provides up to $25,000 of reimbursement expense with $0 deductible.
  • Comprehensive Identity Theft Resolution services in conjunction with Identity Safeguards. Our specialists will guide you through the process of restoring your Identity and Credit Report

*Included in Triple Bureau Plus Monitoring plans
**Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage is not available to residents of New York State.

How can I enroll in the program?

We offer the ID Protection Service™ program through your local Financial Institution. Contact their customer service department or visit their website to see if they are offering ID Protection Service.

How much does ID Protection Service™ cost?

The cost for ID Protection is determined by your Financial Institution

What happens if the identity theft occurred before I subscribed to ID Protection Service™?

ID Protection Service cannot reimburse you for the lost income and expenses associated with an identity theft event that occurred before you became a subscriber.

Can I become a victim of Identity theft even if I subscribe to ID Protection Service™?

Yes. Implementing all of the protection services from ID Protection Service can reduce your risk of identity theft. However, you may still become a victim of identity theft. The benefit to being a subscriber is the peace of mind from knowing you have insurance and recovery services. If you become a victim, we will work to restore your credit profile to the condition it was prior to the identity theft occurrence.

What happens after I subscribe?

We will begin monitoring your credit report on a daily basis and will notify you via email of any changes that occur.

Does ID Protection Service™ repair my credit?

ID Protection Service helps participants recover from an identity theft event by restoring affected accounts and working with the victim and credit reporting agencies to remove fraudulent accounts that can negatively impact your credit rating. These and other actions will help restore your credit rating over time. ID Protection Service is not a "credit repair service" and will not recommend specific actions to improve your credit rating (i.e. consolidating debt, paying bills on time, etc).

How do I access the ID Protection Service™ website if I forgot my user ID and or password?

If you have forgotten your userID, you may submit your personal information via the ID Protection secure web site and your userID will be emailed directly to you.
If you have forgotten your password, you may submit your userID and personal information on the ID Protection secure web site and you will be prompted to create a new password.
You may also contact our Customer Service department at 877-353-7283.

How do I dispute errors found on my personal credit report from ID Protection Service?

An error on your credit history could harm your ability to qualify for a loan or a credit card. Errors may occur when data is compiled or updated or when someone fraudulently opens an account in your name referred to as Identity Theft.

If you have received a credit report from ID Protection Service and would like to dispute an error on your report, please call our Customer Service department at 1-877-353-7283 option 3





 
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