Identity Theft Coverage

​Fraud Resolution Specialists™: Unlimited access to highly trained specialists who conduct (7) emergency re­sponse activities within (2) business days. The member receives credit account investigations and personal advocacy under a limited power of attorney.

Credit Report Review: Helps members obtain a free copy of their credit report. Review report with member to investigate any suspicious activity and correct/dispute credit report errors.

Fraud Alerts/Security Freezes: Assistance in placing “Fraud Alerts” or “Credit Freezes” on the member’s credit report.

Identity Restoration: Assist members with restoring their identity and good credit reputation.
Free ID Theft Emergency Response Kit™ is provided, which includes a “Uniform ID Theft Affidavit” approved by the Fair Trade Commission (FTC).

Full Case Administration: Administer the costly steps to dispute and clear up fraudulent debts and claims resulting from ID theft.

Case File Management: Creates a case file to document actions taken during the entire recovery and resolution process to conclusion.

Document/Letter Preparation: Prepare all necessary state specific documents and letters for a member’s signature and mailing to creditors and authorities.

Free Financial Consultations: Receive a free (60) minute telephone consultation with a Certified Credit Counselor. Financial Counselors are in-house financial professionals who can assist with credit counseling, credit restoration strat­egies, credit report analysis and tax planning, all of which may have been seriously impacted by an ID theft.

Free Legal Consultations: Members are entitled to a free initial (60) minute consultation with an attorney on each new issue involving fraud and theft of their identity. After the free initial consultation for any matter concerning theft of the member’s identity, the participating attorney may be retained at a preferred rate reduction of 25% off of the attorney’s standard hourly or fixed fee rates.  (Member is responsible for all court costs.)