Benefits Overview


Fully Managed Identity Theft Recovery

If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Professional, dedicated Privacy Advocates are standing by and will manage your identity theft incident and resolve suspected or confirmed fraud until completion, with no time limit. Your Fully Managed Identity Theft Recovery Services extend to cover three generations of your family (3G) and continue to provide coverage for up to 12 months after death. With more than 30 different types of identity fraud reported to the Federal Trade Commission, you may be affected in ways you have not considered. You are covered for both financial and non-financial identity theft.

IRS Tax Fraud Refund Advance

We'll advance your tax refund if someone fraudulently files and receives it on your behalf. Tax fraud may delay your refund for weeks or even months. Now, you may be eligible for a tax refund advance while the Privacy Advocate assists you in completing your fraud remediation .

Credit Freeze Assistance

Our team of Privacy Advocates are trained to efficiently walk you through the process of freezing your credit reports with all three major credit bureaus.

Identity Theft Expense Reimbursement Insurance - up to $25,000

This benefit covers out-of-pocket expenses incurred by you during the recovery of your identity up to $25,000*. These expenses may include attorney’s fees, mailing expenses, fees for notarizing affidavits and documents, and lost wages due to time off from work to fight the identity fraud.

View your Identity Theft Expense Reimbursement Insurance Evidence of Coverage.

Obtain a copy of the specific Evidence of Coverage with your Program Sponsor.


Three Bureau Credit Monitoring

Watches for new activity that might appear on your credit report, including credit inquiries, new credit lines, derogatory credit, name changes and address changes. Optional text alerts are available in addition to email alerts. Upon completing your registration process TransUnion® monitoring begins and you may immediately or later extend your monitoring to all three bureaus, Experian®, Equifax®, and TransUnion®, by simply completing identity authentication.

Daily TransUnion® Credit Reports and Scores

TransUnion® credit reports and scores, available daily on demand, can help to benchmark your credit standing, uncover pre-existing credit issues, and track your credit score.

Annual Tri-Bureau Credit Report and Score

One three bureau credit report and score with Experian®, Equifax®, and TransUnion® is available once every 12 months on demand to help you benchmark your credit standing and uncover pre-existing credit issues.

Online TransUnion® Credit Lock / Unlock

Easily lock and unlock your TransUnion® credit file through the convenience of the online portal. A credit lock can be easily disabled through the online portal when you need access to credit. By utilizing TransUnion® Credit Lock/Unlock you are not locking your Experian® or Equifax® credit reports.

Dark Web Monitoring

Dark Web Monitoring scans the deep and dark web using sophisticated technology and human spies looking for your personal information like an email address, credit card numbers, and even passwords you use. In the event that any of your registered information is detected in this environment as being used or transacted fraudulently, you will be alerted, and provided with corrective actions. This service also provides easy, secure online storage of your credential data for retrieval in the event of theft of a purse or wallet, or home disaster.

IP Address Monitoring

IP Address Monitoring scans for malicious use of your IP addresses and alerts you if they have been compromised.

High Risk Transactions Monitoring

Alerts are sent to warn you if someone is using your identity to conduct a high risk transaction at hundreds of participating banks, brokerages, payment services, cellular providers, insurance companies, retailers, and more. Alerts may include new accounts, password resets, name and/or address changes, and funds transfers.

Social Media Monitoring

Social Media Monitoring keeps tabs on your Facebook, Instagram, LinkedIn, and Twitter accounts watching for vulgarity, threats, explicit content, and violence. Alerts are sent if it looks like someone has taken over your account and is posting unsavory material.

Solicitation Reduction

To further protect your identity and keep personal information out of your mailbox, we will aid you in opting out of pre-approved credit card offers, telemarketing calls, commercial mail, and coupons.