Identity Protection Crafted For You
Credit Reports & Scores
Whether you are looking for a 1 bureau credit report or a complete view of your credit report profile from each of the 3 credit bureaus (Experian, TransUnion, and Equifax), our products are designed to meet your needs.
Suspicious changes in your credit report are one of the first indications that your information may have been compromised. If you feel something has gone wrong, one of the initial steps we recommend is to take a look at your credit report and verify all of your information. We believe checking your report regularly is so important that we offer you 12 reports per year (on select plans), which is something our competition does not.
Daily credit monitoring gives insight into changes that are made to your credit report profile. Checking your credit report and score regularly, combined with the power of credit monitoring, empowers you to see changes as they occur and act quickly if something unexpected happens.
See changes as they happen with daily credit monitoring alerts:
- Change of address
- Change of personal information
- Reporting of a delinquent account
- Credit inquiries
- New public records
- New credit accounts and loans
Enhanced Credit Monitoring
Enhanced credit monitoring takes your ability to effectively monitor for changes to the next level. With this benefit, you are alerted to changes to things like authorized users that are added to your credit cards or if your TransUnion score changes by 10+ points. This feature puts you in the driver seat and enables you to see changes and take action if something doesn’t seem right. We want to give you the best, so we’ve gone above and beyond what others in the market offer and included this feature in select products.
- Authorized card users
- Bankcard goes over the limit
- Closed trade lines
- Collections excluding medical
- A decrease in collection balances
- An increase in collection balances
- Lost / stolen card
- New charge-off
- New foreclosure
- Paid collections
- Paid trade lines
- Retail card goes over the limit
- 10 point decrease in TransUnion credit score
- 10 point increase in TransUnion credit score
Dark Web Monitoring
You may have heard a lot of talk about the dark web lately. So, what is it? The dark web is similar to the Internet we all know and love with a few key differences that make it ideal for criminal activity. The dark web is accessed with a special browser that allows criminals to anonymously enter an online version of the black market. Within the dark web, anything can be bought and sold without regulation, oversight, or restriction. After your information is compromised during a data breach, thieves often will go to the dark web and sell your information, along with thousands of other records.
Dark web monitoring, also known as internet or cyber monitoring, aids in identity theft prevention by keeping an eye out on the dark web for information related to your identity. Through our global search, we scour the dark web for your SSN, name, mailing address, and other information you designate in over 25 languages. If we find anything suspicious, we notify you immediately.
Your identity goes beyond your credit report and so should your monitoring. When thieves get access to your identity, they use it in ways some of us would never think of. One of the most impactful ways a thief abuses your identity is by committing criminal acts in your name. With IdentityIQ, we actively monitor international most wanted lists and national criminal record databases for your information. We search records for both arrests and convictions connected to your name and date of birth, whereas other companies offering similar services only search for convictions.
We don’t stop there. IdentityIQ monitors for any use of your SSN within our network and alerts you of what we see. Other monitoring services will only alert you if your SSN is used with a wrong address or name. We feel you should be notified any time your SSN is used, so we make sure you’re informed. In addition, we perform enhanced change of address notification. We not only monitor for a change of address request with the credit reporting agencies, but we also monitor the National Change of Address registry to make sure you’re completely informed of changes made to your information.
- National and International Criminal Record Monitoring
- SSN Trace
- Enhanced Change of Address Monitoring
Thieves like to use stolen information to open new accounts. Often, you never know it happens until you pull your credit report and see accounts that you never knew about. We are actively searching for utility applications, payday loans, cell phones, and credit applications. Even if your credit isn’t pulled, we still know when it happens and we notify you so you can take action.
Identity Theft Insurance
IdentityIQ will offer up to $1 million in identity theft insurance* for the primary member and provide you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. If you have out of pocket costs due to ID theft, you’re covered with up to $1 million in ID theft insurance.
- Lost wages – Covered!
- Legal/expert – Covered!
- Stolen funds reimbursement – Covered!
*1,000,000 ID Theft Coverage – provides up to $1,000,000 in coverage for: funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses, and up to $1,500 per week (five weeks maximum) for wages lost while resolving a stolen identity event. All of this with a $0 deductible. Underwritten by AIG.
We are experts who will be there when you need us most. If your identity is stolen, we are here to personally help you get your identity restored. You will receive a dedicated case manager that is based in the United States. Your case manager will help you put together a plan of action and be with you every step of the way.
Identity theft impacts more than just adults. Stolen identities of children often go unnoticed until they reach adulthood and can impact them for years to come. IdentityIQ is here to provide protection for everyone in your family.
When you enroll in our Secure Max Plan, we not only provide you with up to $1 million in ID Theft Insurance⁸, we also include up to $25,000 for your children.
*Family members mean the enrollee’s children under the age of twenty-four (24) who permanently live in the same residence as the enrollee at the time of the stolen identity event.