Credit Monitoring Activation
CLICK HERE TO ACTIVATE YOUR CREDIT MONITORING BENEFIT
Credit monitoring is a complimentary component of your ID Theft Assist subscription. This service automatically monitors a wide range of data on your credit records, including address, employment, bankruptcy, public records, new inquiries and individual or jointly-held accounts. Activation of this benefit ensures that you will be notified if any changes are made to your credit report.
Due to industry regulations all ID Theft Assist customers must activate the credit monitoring benefit. We cannot simply add it to your program as you will need to provide additional personal information that was not required during your initial enrollment. This information includes your social security number during the enrollment process and possibly credit account numbers during the verification process.
We understand that this may make some feel uncomfortable, so as a voluntary benefit to the program you may choose not to activate. However, credit monitoring is a valuable tool in the fight against identity theft, so we urge all of our customers to take advantage of this exciting addition.
The complimentary credit monitoring benefit is limited to one Social Security Number. If you are interested in credit monitoring services for others in the household, you will have the opportunity to purchase additional monitoring services at a substantial discount at the time of activation.
As long as you are enrolled in ID Theft Assist you may access your Trans Union report at anytime.
After Credit Monitoring Activation
After activation you will receive credit alerts via e-mail from TrueCredit (part of TransUnion). The alerts are notifications sent to you that inform when changes have been made to your credit report. By staying aware of these changes, you can identify whether the actions are a result of fraud or of your own activity. Early detection is the first step to minimizing the effects of identity theft. A credit alert is generated whenever one of the following activities takes place.
- New inquires
- New accounts opened in your name
- Late payments
- Improvements to your report
- Bankruptcies and other public records
- New employers
- If a fraud alert is placed or reported on your file. (You are typically notified of fraud alerts repeatedly.)
Customers may elect to receive their credit alerts by U.S. Mail instead of email. Customers may also elect to receive their alerts on a weekly or monthly basis. Note: A new collection account or takeover of an existing account without an address change does not generate a credit alert.
All ID Theft Assist clients are urged to continue to use caution even if activating this benefit by taking the following steps:
- Examine all monthly bank and credit statements for fraudulent charges.
- Order your federally mandated free credit report from a different repository every four months. This can be done at www.annualcreditreport.com or by calling 1-877-322-8228.
- Call 1-888-567-8688 to be excluded from lists for pre-approved, unsolicited credit and insurance offers.