Frequently Asked Questions

Here are some examples of why it would be a good idea to have identity theft protection and insurance:

1. You live in a household that includes children and seniors.
   Identity thieves target individuals who do not regularly check their credit reports which means children and seniors are prime targets.
2. You’re in the military.
   Active duty military members are especially vulnerable while they’re deployed where they may not have the ability to regularly check their credit reports or receive calls from debt collectors.
3. You’re on social media.
   When you share your name, hometown, birthday or other personal information on social media, it makes it easier for identity thieves to piece together your information with more sensitive information from phishing attacks or other types of scams.
4. Your password is 12345.
   If you use a simple password to protect your internet passwords, it would be a good idea to upgrade with a more complex passwords that is a mixture of numbers, letters and special characters. If you have the same password across multiple accounts, it could open the door for identity thieves to access your accounts if they are able to access one location.

Identity theft is an on-going threat that no one is completely immune to; that’s why it’s important to know how identity theft may occur, and how you can avoid it happening to you. Though not exhaustive, here are some steps to mitigate the risk of identity theft:

1. Password protect your devices
2. Use a password manager to avoid using the same password across your accounts
3. Watch out for phishing attempts via suspicious texts or emails asking for your personal information or directing you to download attachments
4. Never give out personal information on your phone
5. Regularly check your credit reports
6. Protect your personal documents and ensure you are checking your mail
7. Limit your exposure by minimizing how many credit cards you keep in your wallet

Here are some signs that you are a victim of identity theft (not all inclusive) and should take steps to secure your personal identity:

1. You no longer get household bills in the mail
2. You've been turned down for a loan or credit card
3. You're being billed for items you didn't purchase
4. Your financial accounts show charges you didn't authorize
5. Your tax return was rejected
6. Small test charges appear on your credit card statement
7. Your creditors alert you to suspicious activity

Call our Customer Service Center at 855-249-9496 and there will be a dedicated identity restoration specialist ready to assist you in reviewing your credit report, file an identity report if needed, and follow-up on other necessary steps to restore your identity.

The enrollee, the enrollee’s spouse, dependents and children under the age of twenty-five (25) who permanently live in the same residence as the enrollee and reside in the United States.

The enrollee, the enrollee’s spouse, dependents and children under the age of twenty-five (25) who permanently live in the same residence as the enrollee and reside in the United States.

No, home title fraud is not covered.

Yes, it is. Our identity restoration specialists can assist you in filing the necessary affidavits and reports needed to resolve tax identity fraud.

The Call Center has 24/7/365 access to a certified specialist (CIIP/US*) to assist with identity theft resolution services.

In the event of an identity theft event, reasonable and necessary costs related to amending or rectifying the enrollees identity will be covered up to $1 million.
Costs means: cost of re-filing rejected applications for loans, grants or other credit instruments; cost of notarizing affidavits or other similar documents, long distance telephone calls and postage incurred to report a stolen identity event; cost of up to six credit reports from established credit bureaus: cost of travel within the United States incurred as a result of efforts to amend or rectify records as to the true name and identity; and costs for elder care or child care incurred as a result of efforts to amend or rectify records as to the true name or identity. For a complete list of expenses covered, please see actual policy for exact details.

No, time taken from self-employment is not covered. However, non-self-employed wages are limited to base wages within twelve (12) months after discovery of an identity fraud. Base wages must be supported by and based on the prior year tax return.

No, it does not.

The program provides coverage terms for unauthorized electronic funds transfer from a checking, savings or money market account established at a financial institution which means: a bank, savings, association or credit union account established for personal use. Member must seek reimbursement from the financial institution which funds were stolen, and for which the member has not received reimbursement from any other source.

This is the total limit of coverage per calendar year (annual), per household.

When you voluntarily register for online credit monitoring services you receive the following:
1) Experian^® credit report: this report outlines enrollee information that is shared with lenders and others about their payment history, current and past credit mix, and whether their financial accounts are in good standing.
2) Experian^® VantageScore^®: this is a predictive measure of consumer creditworthiness and utilizes an easy to understand grading scale that takes the mystery out of your credit score. Score is refreshed every thirty days.
3) Experian^® Credit Monitoring and Alerts: this service utilizes the Experian^® credit files for key changes and alerts the subscriber on new credit inquiries, new accounts, changes in public records, fraud alerts, and changes to your personal information.
4) Dark Web Monitoring: A baseline scan of SSN, email and phone number of historical documentation, and ongoing daily monitoring to identify new alerts. If enrollee information has been compromised, an alert will be provided along with next steps to ensure the safety of the information.