Benefits Overview

When it comes to protecting your identity, Identity Protect Plus helps cover all the bases.

We do more than simply provide credit reports or offer access to fraud alert services. Identity Protect Plus' benefits combat all the key methods thieves can use to take control of your life. From providing advanced safeguards against financial fraud to giving you more control over your public records, Identity Protect Plus aggressively prevents and protects against the many forms of identity theft.

But we don't stop there. We also provide valuable fraud protection services for improved protection. And an array of helpful tools and resources designed to help you manage your personal assets more effectively. Add our friendly, highly skilled service team into the mix, and you have a complete program designed to protect and assist you every step of the way.

Credit Management

Identity Protect Plus makes it easy to stay on top of your credit and keep up with important changes to your records.

Credit Information Hotline

Having trouble understanding your credit report? Help is just a phone call away.

Receiving your credit report is good, but understanding it is essential. Identity Protect Plus' Credit Information Hotline provides toll-free support to ensure that you fully comprehend all the details of your credit history.

Triple-Bureau Credit Report, Triple-Bureau Credit Score & Credit Score Simulator

Get the most complete picture of your credit health and learn how you may affect your credit score.

Reviewing your credit reports is one of the best ways to manage your credit and discover if your identity has been stolen. They contain listings of credit cards, loans, bank accounts, collections, inquiries and a host of other financial and personal information registered in your name. By examining and comparing your credit reports on a regular basis, you can keep tabs on your overall credit and identify suspicious activity that may indicate your identity has been compromised.

Your credit scores are an indicator of your financial health and the risk that you pose to lenders. Companies rely on your credit scores to determine whether to lend you money and to set the interest rates you pay. Combined with your credit report, you'll get a complete picture of your credit strength.

With the Credit Score Simulator, you can utilize your reports and scores to analyze how specific actions can increase – or reduce – your ratings. You'll be able to make more informed decisions, and learn the best ways to affect your standing among lenders.

Triple-Bureau Daily Credit Monitoring

Each day, Identity Protect Plus carefully monitors your Experian, Equifax and TransUnion credit reports for changes.

Early detection of suspicious activity and errors in your credit reports are essential to minimizing both the damage incurred by identity thieves and the time needed to rectify any issues. Identity Protect Plus monitors your Experian, Equifax and TransUnion credit reports daily for certain signs of activity. Should your account be queried, or if a new account opens in your name, Identity Protect Plus will send an alert to you. You'll be able to act fast and take the necessary steps to re-secure your credit quickly.

Triple Bureau Quarterly "No Hit" Alert

Receive an "all clear" alert each quarter your Experian, Equifax and TransUnion credit reports show no change in activity.

Enjoy the added security of confirming that your credit reports remain free of suspicious activity throughout the year. Quarterly "no hit" alerts make it easy to verify the continued integrity of your records, while affirming that your reports are still being monitored.

Personal Data Protection

Help safeguard against the misuse of your personal information with Identity Protect Plus' advanced suite of data monitoring and protection services.

Credit/Debit Card Monitoring

Be alerted of potential compromises to your credit/debit card information.

Identity Protect Plus utilizes real-time, web-crawling technology to monitor underground chat rooms, websites and blogs where thieves trade and sell stolen credit/debit card data. Should we find any of your monitored cards on these web portals, Identity Protect Plus automatically sends you an email alert, giving you the time needed to foil a thief's attempt to use your credit information.

Identity Protect Plus Monitoring

Be alerted of potential compromises to your Social Security number.

Identity Protect Plus' Social Security Number Fraud Watch utilizes continuous real-time, web-crawling technology to monitor illicit web portals where compromised Social Security Numbers are bought and sold by thieves. Should we discover your Social Security Number on these web portals, Identity Protect Plus automatically sends you an email alert, enabling you to act quickly and re-secure your compromised data.

Identity Protect Plus's Social Security Number Event Tracker scans public record and credit header data sources to help locate and identify records associated with your Social Security Number. Results are prioritized and logged, helping you to determine if your information may have been compromised. By helping to compile data that is attributed to your name and Social Security Number, you will be more able to identify and rectify potential misuse of your information.

Child Social Security Number Monitoring

Be alerted of potential compromises to your child's Social Security number with Identity Protect Plus' Child Social Security Number Monitoring.

Identity Protect Plus' Child Social Security Number Monitoring scans credit header files and pre-credit data records where the existence of your child's SSN could indicate possible fraud. Should the Child Social Security Number Monitoring system locate records attributed to your child's Social Security number, you will be alerted. By helping to compile the presence of Social Security number data attributed to your child, you will be more able to identify and rectify potential misuse of their information.

Card & Document Registration

Store data from your important cards and documents for quick, emergency retrieval.

Identity Protect Plus lets you store information from credit cards, bank cards and important documents in one central online location. Should your registered items become lost or stolen, retrieving your data is just a simple click away...making those emergency situations a little less stressful.

Card & Document Registration Disclaimer

Services & Tools

Enjoy personalized assistance and valuable tools that can help you manage your life more effectively.

Identity Fraud Support Service

Obtain personalized assistance in resolving a case of identity fraud.

Should you become the victim of identity fraud, Identity Protect Plus will help you recover quickly. You'll be assigned a dedicated caseworker who will work with you in restoring your ID, supporting you every step of the way. Plus, you'll receive a customized binder filled with helpful information to help you recover even faster. Thanks to Identity Protect Plus, you can be well on your way towards restoring your good name in no time.

Identity Theft Insurance

Protect your assets with up to $25,000 in Identity Theft Insurance.

The cost of recovering from identity theft can far exceed your actual monetary losses. That's why Identity Protect Plus provides up to $25,000 in loss recovery protection for covered expenses. Financial and credit institutions often don't provide this type of coverage.

* Important Identity Theft Insurance Disclosure

See the Benefit Summary for details regarding such exclusions and limitations.

Lost/Stolen Credit Card Assistance

If you discover your credit cards are missing, call us immediately. We will notify all your credit card issuers, cancel your lost or stolen cards, and request that replacements be issued promptly. When you call you'll be asked questions, such as your name, address, and Membership Number. You will be asked to verify credit card information. We will promptly mail you written confirmation of all credit card cancellations and all replacement requests.

Card & Document Registration Disclaimer

Auto Loan Calculator

Identity Protect Plus' easy-to-use, multipurpose calculator easily determines your monthly loan payments or your total purchase price based on specific payments and terms. Plus, get a complete loan amortization schedule. Now, it's easy to see how different terms and down payments affect your final price, enabling you to pinpoint the best payment options for your purchase.

Loan Payoff Calculator

Determine the best way to pay off your debt.

Developing an effective, personalized debt reduction plan just got easier. Simply enter your current loans and apply a payment to each one. You'll see the impact that various payments and schedules have on your current obligations, enabling you to devise a plan that works best for you.

Mortgage Calculator

Generate an easy-to-read mortgage payment schedule.

Review an amortization schedule of your mortgage including your interest payments and principal balances. In addition, you can see how making pre-payments on your principal affects your overall loan, enabling you to discover the most efficient payment scenarios for buying a home.

Outstanding Debt Calculator

This calculator can be used as a good starting point for your debt management plan. Enter all of your credit cards and outstanding installment loans balances. Find out how much you owe and how long it will take to pay it all off.

Debt Consolidation Calculator

Should you consolidate your debt? This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loans balances. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget.

Credit Card Payoff Calculator

Use the Credit Card Payoff calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.

Multiple Card Payoff Calculator

Use the most effective approach to paying off multiple-credit card debt. The Card Roll--Down Calculator identifies what cards to pay off first and how much each payment should be.

Home Budgeting Calculator

The Home Budgeting Calculator helps you determine where your money is going. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent.