Identity Theft Shield
Credit Report
Evaluate your current credit standing with:
An up-to-date credit report through Experian at no added cost
A personal credit score calculated by an independent scoring service
A detailed analysis of your personal credit score
Experts recommend that you review your credit report regularly. The Identity
Theft ShieldSM makes it easy.
Continuous Credit Monitoring
Suspicious activation will be brought to your attention, providing you with
early detection.
You'll receive prompt notice if the credit repository is notified by Experian
that:
New accounts have been opened in your name
Derogatory notations have been added to your credit report
Public records have been added to your report
Inquiries have been made against your report
A change of address has been requested
Identity Restoration
Identity theft can be devastating, and the process of restoring your name can be
overwhelming and costly. You need more than "do it yourself" information if it
happens to you.
With the Identity Theft ShieldSM a trained expert will take the steps to restore
your name and credit for you!
Help reduce your out of pocket expenses and time spent away from work with
valuable services from detection to resolution.
Fraud alert notifications will be sent on your behalf and applicable follow up
will be done with affected agencies and institutions, including: credit card
companies, financial institutions, all three credit repositories, Social
Security Administration, Federal Trade Commission, Department of Motor Vehicles,
law enforcement personnel, and the U.S. Postal Service.
Proactive searches of applicable local and national databases will be made on
your behalf to look for information you may not be aware of, including: criminal
activity in your name in your county's records and certain federal watch lists,
Department of Motor Vehicle records in your state, unknown addresses affiliated
with your name, and banking activity in your name reported as fraudulent
*Additional Information & Exclusions
-----
Additional Information and Exclusions:
Identity Restoration will not apply if the identity theft is the result of a
dishonest, criminal, malicious, or fraudulent act you, your spouse, or your
child participated in, directed, or had knowledge of. Restoration services will
not be provided for a known stolen identity event that occurred prior to
enrollment date. You must be an active member to receive restoration services.
Services provided do not cover financial losses arising from the identity theft.
A signed limited power of attorney must be provided to Kroll when an Identity
Theft Restoration case is opened in order for Kroll to work on your behalf
and/or provide the Proactive Database Searches listed. A stolen identity event
does not include the theft or unauthorized or illegal use of your business name,
d/b/a, or any other method of identifying your business activity.
