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Identity Theft Protection is a comprehensive suite of tools that help you proactively monitor, manage and protect your valuable credit and identity information. This comprehensive service can help you detect and respond quickly to fraudulent activity. With our dynamic credit management resources and tools, you have the resources and information to make better financial and credit decisions.
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> NOTIFY EXPRESS® Monitoring |
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Credit card fraud costs consumers over $1 billion annually. Credit Monitoring and Alerts with NOTIFY EXPRESS® is a fast, convenient way to keep track of your credit information and detect the early signs of fraudulent activity before they ruin more than your bank account. It helps you to stay informed and act quickly if potentially fraudulent activity appears.
How Credit Monitoring and Alerts help protect your credit file from fraudulent activity
1. NOTIFY EXPRESS® checks your credit files for activity every business day.
2. NOTIFY EXPRESS® alerts you via e-mail, U.S. mail, text-enabled cell phone, or pager, so you can react immediately to fraudulent activity. You will receive an alert when new accounts are opened, inquiries are made, or address changes occur.
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Understanding your credit and fighting fraud can be confusing. That is why Identity Theft Protection has trained Credit Education Specialists, available Monday – Friday 8 a.m. to 10 p.m. and Saturday 9 a.m. to 5 p.m. Eastern time. Please call us at 1-800-225-0827.
Identity Theft Recovery Agents
Consumer Fraud Specialists are your powerful allies after a fraud or identity theft attack. They walk you through all the steps required to restore your credit and will:
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Contact the three leading consumer credit reporting agencies (Equifax®, Experian®, and TransUnion®) on your behalf to place a Fraud Alert in your credit file |
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Assist you in contacting the affected creditors and law enforcement agencies |
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Assist you in filing disputes with the credit reporting agencies |
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Send you a Fraud First Aid Kit containing important contact phone numbers and addresses, and a Contact List that you can use when trying to clear your credit and name. |
Credit Education Specialists
Credit Education Specialists are trained to answer your questions about your member benefits, credit report, credit score, Identity Theft Insurance, and other issues.
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> Identity Theft Reimbursement |
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"The Identity Theft Expense Reimbursement Coverage" reimburses victims of identity theft for certain expenses up to $5,000, at no additional charge to you.
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Lost wages (up to $500 per week for a maximum of four weeks) as a result of time taken off from work to deal with the fraud including wrongful incarceration. Lost wages must occur during the policy period. |
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Notary and certified mailing costs for completing and delivering fraud affidavits or similar documents. |
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Loan application fees for re-applying for loans when the original application is rejected solely because the lender received incorrect information due to an identity theft. |
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Long distance phone charges associated with reporting or discussing an actual identity fraud. |
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Attorney fees incurred (with prior consent) for defending suits brought incorrectly by merchants and their collection agencies, for removing criminal or civil judgments wrongly entered against an Insured Person, and for challenging information in a consumer credit report. |
Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations. Coverage not available for residents of New York. If you have questions about this exclusion, click here
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With our Credit Report, you get unlimited online access to a consolidated report of your credit history from your credit file. This review of your credit history makes it easy for you to verify the accuracy of the information in your credit report and the information lenders use to determine your creditworthiness.
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> Quarterly Credit Updates |
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Identity thieves don't just steal your money. They rob you of your time, your credit, and your reputation. Identity Theft Protection provides you with your personal Quarterly Credit Update, which carefully reviews your credit information from your credit file every quarter. Plus, you'll receive updated credit scores so you can track your progress over time. Your three-month inventory of credit activity:
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Lists new accounts opened in your name. |
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Records all inquiries made into your credit files. |
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Notifies you of address changes submitted to your credit file. |
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Tracks any identification information changes. |
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Lists any accounts in collection. |
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Details possible negative information on your file. |
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Updates account balance increases greater than 20%. |
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Notifies you of account status improvements. |
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Records all closed accounts, items removed from your credit file, and any credit limit increases. |
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Notes all public record items, including judgments, bankruptcies, and liens. |
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Lists all existing accounts without significant changes. |
Identity Theft Protection is constantly on the watch, keeping tabs on all the information in your credit file – not just the information that changes. In the time it takes you to read this, an estimated five Americans will have their identities stolen. Help protect yourself against identity theft with your Identity Theft Protection Quarterly Credit Update and Credit Scores.
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Your Credit Score provides a snapshot of your current creditworthiness based on an evaluation of common factors many creditors use to decide whether or not to extend credit. It outlines both the positive and negative factors that impact your score and compares your score to the national average so you know how you are doing and what you need to do to improve your score.
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Understanding Credit Analyzer
Whether you're thinking about refinancing a loan, paying off some credit card debt, or just looking to improve your credit score, the online Credit Analyzer tool helps you plan for the future. See how your credit scores could change by interacting with existing accounts, account balances, and credit limits. Credit Analyzer is here to help!
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Why Improve Your Credit Score?
If you've been thinking of financing a large purchase, such as buying a house or a new car, keep in mind that lenders view your credit score when reviewing your loan application. With a higher credit score, not only are loans easier to obtain, but people with a higher credit score generally receive lower interest rates — and that saves you a considerable amount of money over time. Understanding what causes your credit score to go up or down is the first step in earning better credit.
Creating "What If?" Scenarios on the Web
Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may affect your creditworthiness. By creating the "What If?" scenarios, you'll see how changes in each of the variables may raise or lower your credit score. Simply select a scenario and begin experimenting. It's that easy! By having the opportunity to create "What If?" scenarios, you can discover how to improve your credit score. Credit Analyzer can improve your understanding of your credit in many ways:
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See how applying for credit, refinancing a loan, or missing payments may affect your credit score |
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Understand how your credit score can change over time |
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Learn multiple ways to improve your credit score |
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And much more! |
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Card Registry protects your vital credit and identity information in the event your cards are lost or stolen. It is the answer to what could be your worst nightmare, because help is only a keystroke or a phone call away. We immediately notify all your credit card companies. And, if you're out of town when your cards are stolen, we will provide emergency cash for you.
Card Care
Card Care is the heart of the Card Registry protection program. We make it easy to register your cards online or via our mail-in/fax form. If your cards are lost or stolen, simply call us. We immediately contact your card companies, pull your credit information, and notify you of any possible changes to your credit file. Within 48 hours of filing your report, we send you a complete status report of all your accounts. Forgot to register a card? Don't worry. We can capture it from your credit information and include it too.
Emergency Cash
If you are traveling when your cards are lost or stolen, Identity Theft Protection will get you up to $2,000 of emergency cash against one of your qualified, registered cards if you are more than 100 miles from home.
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