Currently, credit reports are freely accessible to consumers in all states. As per the Fair and Accurate Credit Transactions Act (FACT Act), consumers can request and obtain a free credit report once every 12 months from each of the three major nationwide consumer credit reporting companies (Equifax, Trans Union, and Experian) through the secure website www.AnnualCreditReport.com.
You will receive email notifications at the email address associated with your account. Ensure that your profile is up to date with your current email address. Detailed alerts will be accessible within the secure membership website.
Identity Monitoring tracks non-credit data and alerts you when your identity is at risk or being used without your permission. On the other hand, Credit Monitoring focuses on monitoring your credit file for any changes or activity. Credit monitoring was developed to help consumers identify errors in their credit report before applying for a loan. Credit monitoring may take up to 90 days to report changes to a credit file, depending on the reporting business and bureau. Identity Monitoring offers more comprehensive coverage than credit monitoring and provides faster detection of changes.
Our Identity Monitoring service detects stolen personally identifiable information and compromised confidential data. Our technology continuously monitors hundreds of thousands of websites and millions of data points, utilizing various data gathering techniques such as chat room monitoring, site crawling, scraping capabilities, and forum extraction. This vigilant monitoring ensures swift detection of any online exchange of your personal information that could be associated with identity theft.
No, there are no questions or qualifications necessary to purchase the IDSecureUS.com plan. However, the restoration and insurance services do not cover fraud incidents that occurred before enrolling in IDSecureUS.com
The IDSecureUS.com plan is available in all 50 states of the United States and Puerto Rico.
Our Identity Theft Insurance policy provides reimbursement, up to USD 1 million, for expenses related to identity theft restoration. This includes expenses for document replacements, traveling, loss of income, child/elderly care, fraudulent withdrawals from a bank account, and legal costs.
Yes, the IDSecureUS.com plan provides reimbursement for identity fraud occurring worldwide, except in the following territories: Afghanistan, Balkans, Belarus, Burma/Myanmar, Cote d'Ivoire, Cuba, Democratic Republic of Congo, Iran, Iraq, Lebanon, Liberia, Libya, North Korea, Somalia, South Sudan, Syria, and Zimbabwe
The Identity Theft insurance policy reimburses you for approved legal fees, offering the advantage of selecting your own attorney
No, you are not required to pay a deductible in order to claim the benefits of the ID Theft Insurance.
The ID Theft Insurance offers coverage of USD 1 million. It is backed and underwritten by an internationally recognized carrier rated "A" by A.M. Best
No, it is not required to inventory the contents of your wallet to utilize this benefit. Once it is confirmed that you have lost your wallet or purse, a representative will work with you to cancel and replace recoverable items. This may involve signing a limited power of attorney, allowing the representative to work on your behalf, and reviewing your credit report for up-to-date account information
Our Lost Wallet service assists in quickly canceling and replacing all commonly carried items in wallets and purses. This includes credit cards, debit cards, checkbooks, driver's licenses, social security cards, insurance cards, passports, military identification cards, traveler's checks, and our restoration specialists will also assist in canceling and replacing lost or stolen documents
