Credit Report
Make sure your financial records are accurate.

Your credit standing is one of your most important financial assets. It not only affects your ability to get credit, it often dictates the interest rate at which you can borrow. It can also affect your ability to purchase insurance or to find employment. Both insurance companies and prospective employers use your credit rating to gauge your sense of responsibility. Experts recommend you review your credit report regularly. The Identity Theft Shield makes it easy. Members are entitled to an up-to-date credit report at no charge.

Personal Credit Score and Analysis
Know your credit score . . . and how it affects your ability to borrow. Your credit score is derived from the information in your credit report. This score is used by lenders to determine your creditworthiness. The higher the number, the better your chance of being approved for the credit you want.

A detailed analysis of your Personal Credit Score will be included with your first Credit Report. You can use this analysis to evaluate your current credit standing.

Continuous Credit Monitoring
Learn of suspicious activity before your credit suffers.
A professional thief can assume your identity in just a few hours. But it can take years for you to restore your credit standing. Early detection is key to minimizing the damage caused by thieves who steal your name.

With your Identity Theft Shield membership, your credit files will be monitored daily. Suspicious activity will be brought to your attention, providing you with early detection. You’ll receive prompt notice if any new accounts are opened in your name . . . or if negative notations are added to your credit report.

Fraud Restoration Assistance
Get personal assistance and advice from experts.

Any discrepancy in your credit report should be addressed at once. Call our Customer Services Department at the designated Identity Theft Shield number and explain your concerns. If it is identity theft, our fraud investigators will assist you every step of the way. A Fraud Restoration package with complete and detailed materials, aids, and instructions will be rushed to you.

If you sign a Limited Power of Attorney, you will be entitled to Enhanced Restoration Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. On your behalf, Kroll will issue fraud alerts to the three major credit-reporting bureaus, the Federal Trade Commission, the Social Security Administration, and the United States Postal Service. Kroll will work with the bureaus, creditors, and collection agencies to restore your credit accuracy with regard to your identity theft issues. If necessary and reasonable, Kroll will work with law enforcement, the department of motor vehicles, and other organizations to resolve your identity theft issues.

If you decline the Limited Power of Attorney, you will receive Basic Consulting Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. Kroll will provide you with contact information and procedures for the organizations you will need to work with. Kroll will provide sample letters and forms and be available to you through a toll-free phone number for assistance and advice throughout the process of restoring your identity. (See exclusions.)

RESTORATION SERVICE EXCLUSIONS
A. Family Member - Any stolen identity event of which a spouse or child participated in, directed or had prior knowledge.

B. Dishonest Acts - Any dishonest, criminal, malicious or fraudulent acts, if the covered person(s) that suffered the fraud personally participated in, directed, or had knowledge of such acts.

C. Late Reporting - The Identity Theft Restoration Reimbursement benefit will not cover any loss reported more than 90 days after the discovery of potentially fraudulent activities.

D. Pre-Existing Stolen Identity Event Limitations – Restoration services will not be provided to covered persons for a preexisting stolen identity event if either covered person had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to them prior to enrollment in the program.

E. Financial Loss - Membership services do not cover any financial losses attributed to the stolen identity event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct.