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TABLE OF CONTENTS

 * Learn more about alert notifications...
 * Learn more information on your Account & Billing...
 * Learn more about protecting yourself...
 * Learn more about credit report and scores...
 * Learn more about all services...


I RECEIVED AN ALERT NOTIFICATION

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I received an alert, what are my next steps?
Some of our alerts are generated by your actions, such as applying for a new
credit card, while other alerts are generated when we find the data you asked us
to monitor on the dark web.

Here is information on how you should handle some of our most common alerts

 * Social Security Number
 * Email Address
 * Phone Number
 * Driver's License
 * Medical ID Number
 * Credit or Debit Card
 * Bank Account Number
 * International Bank Account Number
 * New Inquiry on Credit Report
 * New Account or New Trade on Credit Report

If you received a different type of alert, please log in to your account to
review the details and next steps.
My email address is compromised, what should I do next?
 * Consider changing the password to your email and to any other accounts that
   use your email address as a username. Use a strong password and avoid reusing
   passwords across multiple sites
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on your bank and credit card accounts for
   unfamiliar transactions

My SSN was compromised, what should I do next?
We can help you work through this. Contact Customer Care for further assistance
at +1 (888) 882-6042.
My phone number was compromised, what should I do next?
 * Watch for suspicious calls and contact your phone provider if these
   noticeably increase
 * Add your name to the national Do Not Call list
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on your bank and credit card accounts for
   unfamiliar transactions

My driver's license was compromised, what should I do next?
 * Contact your local DMV
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on your bank and credit card accounts for
   unfamiliar transactions

My medical ID was compromised, what should I do next?
 * Contact your medical card provider to report activity and verify that there
   has not been any fraudulent claims opened
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on your medical insurance accounts, as well as
   your bank and credit card accounts for unfamiliar transactions

My debit, credit or retail card was compromised, what should I do next?
 * Review the account transaction history closely for unfamiliar charges
 * Contact financial institution to cancel your card and/or report it stolen
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on other bank and credit card accounts for
   unfamiliar transactions

My passport was compromised, what should I do next?
 * Contact U.S. Passport office
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity

My bank account was compromised, what should I do next?
 * Review the account transaction history closely for unfamiliar charges
 * Contact financial institution and close your bank card/account
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on other bank and credit card accounts for
   unfamiliar transactions

My international bank account (IBAN) was compromised, what should I do next?
 * Review the account transaction history closely for unfamiliar charges
 * Contact financial institution and close your bank card/account
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on other bank and credit card accounts for
   unfamiliar transactions

My National ID number was compromised, what should I do next?
 * Review your credit reports from all three bureaus (Experian, Equifax and
   Transunion) for new activity
 * As a precaution, keep an eye on your bank and credit card accounts for
   unfamiliar transactions

I received a breached company name in my Internet Surveillance notification.

This is the potential company or website where the internet compromise
originated from. Hackers, when sharing stolen data on the dark web, will
sometimes provide the name of the company or website where the information was
breached from.

If you don't recognize this as a company you have a relationship with, note that
it may be a third party organization that interfaces with a company you have
done business with. A hypothetical example could be if your information was
exposed during the breach of a payment processor that partners with a commercial
airline you've bought tickets from.

A new inquiry alert was detected, what should I do next?
If you recognize or authorized this activity, no action is required. If not,
here is some more information that may help.



If you're still certain that you didn't authorize this activity, there are steps
that you can take.

 * Contact the creditor - this may clear up what's happening
 * Review your credit report for new activity
 * Dispute the account information on your credit report

A new account or new trade alert was detected, what should I do next?
If you recognize or authorized this activity, no action is required. If not,
here is some more information that may help.



If you're still certain that you didn't authorize this activity, there are steps
that you can take.

 * Contact the creditor - this may clear up what's happening
 * Review your credit report for new activity
 * Dispute the account information on your credit report

I don't recognize the company in my credit alert.
If you are not sure if you initiated the activity on your alert, here's some
information that may help:

Did you recently apply for a credit application or open a new account? Here are
some companies you may see in your alert that may not be familiar on first
glance:
 * JPMCB (aka JP Morgan Chase Bank)
 * CBNA (aka Citibank)
 * CapOne (aka CapitalOne)
 * FNBO (aka First National Bank of Omaha)
 * TBH (aka The Home Depot)
 * Synchrony Bank - Credit and loan provider that typically works with major
   retailers
 * Credco - This is a third-party reporting agency. Often, mortgage companies,
   financial institutions, and dealerships will contact this type of reporting
   agency to obtain a three-bureau credit score
 * Ally - Ally bank is a credit and loan provider that typically works with
   major retailers in several industries, such as auto financing, equity
   sponsors, and corporate finance

I applied for credit, but have not received an alert.
Most lenders report account activity within 30 days, but some can take as long
as 90 days. Also, some smaller creditors may only report to one or two of the
three nationwide consumer reporting agencies - Equifax, Experian, and
TransUnion. If your creditor doesn't report to all three, then you will not
receive an alert from all three for the same activity.
Why did I receive more than one alert for the same loan application?
Here are some common reasons that you will receive multiple alerts for the same
loan application:
 * If the loan was approved and the lender opened an account in your name you
   will receive an alert for the initial credit report inquiry to process your
   application and also an alert for the account being opened
 * If the lender reported your account to all three of the major credit bureaus
   - Experian, Equifax and TransUnion - you may receive an alert from each
   bureau


ACCOUNT & BILLING

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How do I change my login information?
If you need to change your username, log in to your account and update your
information under the My Account section.
I want to log in to my IDnotify account
You can log in to your IDnotify account here.
I want to update my mailing address, email address, phone number, etc.

In order to update this information, log in to the site and head over to the My
Account page. You'll be able to update certain account information there.

Why do I need to provide a security question and security answer?
We understand that remembering all your user names and passwords can be
difficult. Security questions make it easier for you to get back into your
account without having the burden of making a phone call. It's an extra layer of
protection that we've added to protect your online account.
Why am I being charged sales tax for my IDnotify membership?
Due to recent changes in sales tax laws, Experian Consumer Services' (ECS) sales
tax obligations have changed. This may impact the taxing of our products and
services in your state, and be subject to applicable sales tax in your state,
effective February 1, 2019.
How do I cancel my service?
We're sorry to see you go. To cancel your service, please call our customer care
team at +1 (888) 882-6042.
I forgot my username or password.
Password:
The fastest and easiest way to reset your password is right from your computer
or mobile device. Click the Forgot Password link on the login page on the site.
Enter the user name you use to login to your account (this could be your email
address) and click Reset. You will receive an email to the registered email
address with a link to reset your password. Clicking the link which will allow
you to create a new password to access your account.

Username:
If you have forgotten your username, try logging in using your email address. If
that doesn't work, get in touch with us at +1 (888) 882-6042 to verify your
username.


PROTECTING MYSELF

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What should I do if I find some incorrect information on my credit report?
If you are not sure if you initiated the activity on your alert, here's some
information that may help
If you're certain that the information is incorrect, here is how you can dispute
information on your credit reports
How can I make my passwords more secure?
Here are some general guidelines to creating strong passwords:
 * You need to choose a password that's long enough. There's no minimum password
   length everyone agrees on, but you should generally go for passwords that are
   a minimum of 12 to 14 characters in length.
 * Your password should include numbers, symbols, capital letters, and
   lower-case letters. Using a mix of different types of characters to make the
   password harder to crack.
 * Your password shouldn't be a dictionary word or a combination of dictionary
   words. Any word on its own is bad. Any combination of a few words, especially
   if they're obvious, is also bad. For example, 'bird' is a terrible password.
   'yellow bird' is also very bad.
 * Avoid obvious substitutions in your password. Don't use common substitutions
   either - for example, 'MOuse' isn't strong just because you've replaced an o
   with a 0.

My wallet was stolen.
We are sorry you have experienced such an event. We will need to speak with you
regarding this matter. Please call +1 (888) 882-6042 at your earliest
convenience.
The Basics of Fraud Alerts.
What is a fraud alert?
The purpose of a fraud alert is to add a layer of security to the loan
application process, with the goal of preventing criminals from opening bogus
credit accounts or taking out loans in your name. The first step that typically
occurs when a creditor processes your credit application is a credit check, and
that requires access to your credit file at one of the national credit bureaus
(Experian, TransUnion or Equifax). A fraud alert pauses the credit check process
and instructs the creditor to confirm your identity before it accesses your
report.



Requesting a fraud alert at any one of the credit bureaus automatically applies
alerts to your credit files at all three bureaus. Each fraud alert deactivates
itself on a preset expiration date. You can have a fraud alert lifted before its
expiration date if you wish, but you must contact each credit bureau
individually to do so.


Types of Fraud Alerts


There are three types of fraud alerts:

 * A temporary fraud alert. Also known as an initial fraud alert, this type of
   alert lasts one year and then expires. You can add one to your credit report
   anytime, for any reason. You can renew it as many times as you like.
 * An active-duty fraud alert. This alert protects active-duty service members
   on assignment away from home, and also lasts one year unless it's removed
   earlier. Each service member must provide a copy of their duty assignment
   when requesting this type of alert.
 * An extended fraud victim alert. Extended alerts last seven years and are
   designed for victims of credit fraud or identity theft. If you've been
   victimized and have reported the crime to authorities, you can obtain an
   extended fraud alert by submitting a copy of the identity theft report you
   filed with law enforcement.

When does it make sense to add a fraud alert?


A fraud alert is a good precaution to take if you're worried about potential
misuse of your personal information. You only need to notify one credit bureau
to activate one, and it's only slightly more time-consuming to deactivate fraud
alerts than it is to put them in place.


How do I set a fraud alert?
Fraud alerts are available through all three national credit bureaus (Experian,
TransUnion and Equifax). Placing a fraud alert at any one of the bureaus
automatically triggers alerts at all three.

Experian
Phone: 888-397-3742
Online: https://www.experian.com/fraud/center.html

TransUnion
Phone: 800-680-7289
Online: https://www.transunion.com/fraud-alerts

Equifax
Phone: 800-525-6285
Online:
https://www.equifax.com/personal/credit-report-services/credit-fraud-alerts/
How do I dispute information on my credit report?
To dispute information on your credit report, you will need to contact the
associated bureau:

Experian:

Online:
You can initiate a dispute at https://www.experian.com/disputes/main.html

Mail:
You will need to write a letter to Experian to complete your dispute:
Experian
P.O. Box 4500
Allen, TX 75013

TransUnion:
https://www.transunion.com/customer-support/faqs/credit-disputes

Online:


Through the online dispute submission process at https://dispute.transunion.com.

Phone:
By toll-free telephone number at 800-916-8800. Customer service representatives
are available Monday through Friday (excluding major holidays) from 8am to 11pm
Eastern time. You should have a copy of your TransUnion Credit Report before
calling this telephone number. The credit report will contain a File
Identification Number (File Number) that will be needed by the representative
helping you.

Mail:
By mailing your dispute request to:
TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

Equifax:

Online:
Please visit www.equifax.com and follow the link at the bottom of the page
labeled 'Dispute info on credit report'. This will take you to the dispute page
where you will need to fill out the requested information and take an identity
authentication quiz for security purposes.
The basics of credit freezes.
What is a credit freeze?


Also known as a security freeze, a credit freeze allows you to restrict access
to your credit report, which makes it more difficult for identity thieves to
open new accounts in your name. Keep in mind, however, that a credit freeze may
prevent you from opening a new account, applying for a job, renting an apartment
or buying insurance. If you need to do any of these, you can lift the freeze
temporarily either for a specified time or to allow access to a specified party.
You can have the freeze lifted for free and place it again for free when you are
done allowing access to your credit. While a credit freeze can help prevent
identity thieves from opening accounts using your information, they will not
prevent a thief from accessing existing accounts and will not prevent
prescreened offers of credit. All the national bureaus are required, by law, to
offer you credit freezes for free. Remember, freezing your credit will not
impact your credit score or prevent you from getting your free annual credit
report and your existing creditors and certain governmental agencies will still
have access to your credit report.


How to place a Credit Freeze
Contact each of the three nationwide credit bureaus. If you do not freeze at all
three sources, your credit file will still be available for lenders to access.

Experian: https://www.experian.com/freeze/center.html
TransUnion: https://www.transunion.com/credit-freeze
Equifax: https://www.equifax.com/personal/credit-report-services/credit-freeze/
Why is it important to monitor my credit?

Credit monitoring is a service that alerts you whenever a change is made to one
of your credit reports. This gives you the chance to quickly confirm the
accuracy of the change and, if necessary, start sorting out any problems before
they really get out of hand. Any suspicious credit-report change can be a sign
of fraud, after all, and credit reports often contain errors that can cause
rejection by a lender.


CREDIT REPORTS AND SCORES

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Does pulling my credit report impact my credit score?
Pulling your credit report will not affect your credit scores because you won't
incur hard inquiries. When you access your own credit report, it's considered a
soft inquiry which doesn't lower your credit score as it's not a scoring factor.
Does credit monitoring impact my credit score?
Credit monitoring will not affect your credit scores because you won't incur
hard inquiries. When you access your own credit report for credit monitoring,
it's considered a soft inquiry which doesn't lower your credit score as it's not
a scoring factor.
Where do I locate my credit reports and scores?
Log in to your member portal to view your credit reports and scores. Credit
Reports and Scores are displayed on the dashboard and when selecting the Credit
tab.
What is a credit score?
Your credit score is a three-digit number that relates to how likely you are to
repay debt. Banks and lenders use it to decide whether they'll approve you for a
credit card or loan.
How are my credit scores calculated?
Your credit score is calculated by applying the Experian Vantage 3.0 model to
the data stored within each credit bureau. The Experian Vantage 3.0 score was
selected for IDnotify as it is highly regarded in the identity protection and
monitoring industry.
What credit score algorithm does Credit Reports and Monitoring use?

Your IDnotify subscription includes credit scores generated using the Experian
Vantage 3.0 model. The Experian Vantage 3.0 model is highly regarded in the
industry as helpful in identifying potential identity theft. This score in
particular, is for educational purposes (to let you know what your score is and
whether it has changed) and is not intended for your use in making financial
decisions.

What factors impact my credit scores?
While the exact criteria used by each scoring model varies, here are the most
common factors that affect your credit scores.

 * Payment history. Payment history is the most important ingredient in credit
   scoring, and even one missed payment can have a negative impact on your
   score.
 * Credit utilization. Your credit utilization ratio is calculated by dividing
   the total revolving credit you are currently using by the total of all your
   revolving credit limits. This ratio looks at how much of your available
   credit you're utilizing and can give you a snapshot of how reliant you are on
   non-cash funds.
 * Credit history length. This includes the age of your oldest credit account,
   the age of your newest credit account and the average age of all your
   accounts. Generally, the longer your credit history, the higher your credit
   scores.
 * Credit mix. People with top credit scores often carry a diverse portfolio of
   credit accounts, which might include a car loan, credit card, student loan,
   mortgage or other credit products. Credit scoring models consider the types
   of accounts and how many of each you have as an indication of how well you
   manage a wide range of credit products.
 * New credit. This is the number of credit accounts you've recently opened, as
   well as the number of hard inquiries lenders make when you apply for credit.
   Too many accounts or inquiries can indicate increased risk, and as such can
   hurt your credit score.

I can't see all 3 of my credit reports.
When you request your 3 bureau credit report IDnotify requests a copy of your
report from each bureau and compiles it for you to view in a user friendly
format. Here are a few reasons you may not have received all 3 of your reports.
 * One or more of the bureaus could not match the information from your
   enrollment form with a unique credit file
 * One or more of the bureaus experienced a technical issue during the process
   of pulling your credit report
 * One or more of the bureaus do not have a credit report on file for you

Why is my credit score different between the 3 bureaus?

Your credit score may be different among the 3 credit bureaus - Experian,
Equifax and TransUnion because each bureau is independent and contains unique
data regarding your credit history. Lenders are not required to report to or
inquire with all 3 bureaus, therefore, it is possible that you may have more
credit inquiries or delinquencies on file with one bureau as opposed to another,
which may impact your credit score.

Why isn't my information on my 3-Bureau Report consistent across all three
bureaus?
Not all lenders report to all 3 credit bureaus.
Will my spouse's name and information appear on my report?

No. Your credit reports are linked to your personal information, which typically
includes your Social Security number, so your credit reports and credit
histories remain separate when you get married. However, if you and your spouse
open a joint account, or one of you adds the other as an authorized user on a
credit card account, the history of that account will be reflected on both of
your credit reports.

Can I receive a free credit report?
Due to the COVID-19 crisis, you can now check your 3 bureau credit report weekly
at AnnualCreditReport.com
Does my minor child have a credit report?
With some exceptions, most children under age 18 should not have a credit
report. Minors, however, are not immune to identity theft and credit fraud. So
you need to check if your youngster has a credit report - and you need to know
what is on it.


OUR SERVICES EXPLAINED

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What is identity theft?
According to the United States Department of Justice, identity theft and fraud
are "all types of crime in which someone wrongfully obtains and uses another
person's personal data in some way that involves fraud or deception, typically
for economic gain."
What information can Internet Surveillance monitor?

Internet Surveillance can monitor the following information:

 * Email addresses
 * Social security number
 * Phone numbers
 * Credit/debit card numbers
 * Bank account/routing numbers
 * Driver's license number
 * Passport number
 * Store/membership card numbers
 * Medical ID numbers

What is Internet Surveillance?

This service searches the dark parts of internet to find exposures of personal
and financial information. The personal and financial information we find comes
from Internet forums and websites, web pages, dark web chat channels, hidden and
anonymous web services, malware samples, and more.

Where does Internet Surveillance's data come from?
Internet Surveillance’s data comes from Internet forums and websites, web pages,
IRC channels, refined

PII search engine queries, Twitter feeds, P2P sources, hidden and anonymous web
services, malware samples, botnets, and torrent sources.

Can Internet Surveillance prevent identity theft?

This service can be a useful tool in helping prevent further exposure of
information. By monitoring your personal and financial information we can alert
you to internet exposures and provide recommendations on what to do to keep you
safe for further exposure.

Can I monitor my children's online profile?

Internet Surveillance also allows parents and legal guardians to monitor their
child’s personal information and be alerted of any potential exposure.

In addition, the SSN Trace service monitors and reports on fraudulent names,
aliases, and addresses associated with a child’s monitored social security
number (SSN). The SSN Trace service searches and monitors public records in all
fifty states, including records such as property and recorder of deed
registration, county assessor data, state occupational licenses, voter
information, court proceedings, bankruptcies, liens, and judgments.

The Social Media Monitoring service is another valuable tool for parents and
legal guardians and enables them to keep an eye on social activity items in
which a privacy or reputation risk has been detected for their child in any of
the social networks – facebook, LinkedIn, Twitter, and Instagram.

Why is it important to complete my Internet Surveillance profile?

The more personal and financial information you add for monitoring, the more
chances of being alerted of exposures to your information. Knowing when
exposures have occurred is a useful tool in helping prevent further exposure of
your information.

What events does Financial Account Takeover monitor?
This service monitors your name and SSN, and will notify you daily if unusual or
high-risk activity is detected with banks and financial institutions. We will
notify you to the following events:


 * New Bank Account Opening – If your personal information has been used to open
   a new bank account.
 * Bank Account Takeover – If changes have been made to your existing bank
   account, including changes to account contact information or attempts to add
   new account holders.

What is Financial Account Takeover, and how soon will I receive an alert if my
personal information is found?

Alerts are generated daily for new activity.

What time range does my initial Financial Account Takeover report cover?

Your first Internet Surveillance report includes data from the previous 11
years. This means that Internet Surveillance searches the prior 11 years of
records it has collected for a match to the personal information you are
monitoring.

How does credit monitoring work?

Credit-monitoring notifies you when a change is made to your credit report.

The types of activity that credit-monitoring service notifies you about,
include:

 * New Hard Inquiries: When a credit card or loan application is submitted in
   your name, the financial institution will run a credit check, adding a “hard
   inquiry” listing to your credit report.
 * New Accounts: Credit reports note whenever a new credit card or loan is
   opened under your identity.
 * Existing-Account Changes: Credit reports include details on your payment
   history and highest balance with each of your credit cards.
 * New Public Records: These include information about bankruptcies, tax liens
   and civil court judgments.
 * Address Changes: Any address associated with a credit card or loan listed in
   your name can be found on your credit report.

Is there a deductible for Identity Theft Insurance?

No – this is a $0 deductible service.

What is covered under Identity Theft Insurance?

If you become a victim of identity theft while you are a member, you may be
covered for any of the following:

 * Unauthorized Electronic Fund Transfers (EFT) / Stolen Funds
 * Lost Wages
 * Private Investigator Costs
 * Legal Defense Fees
 * And more

Credit Education
Everything you need to know about your credit report and things you can do to
improve your credit score.
Internet Surveillance Education
Everything you need to know about cyber security and protecting your identity.



Terms & Conditions
Privacy Policy
Contact Us
We're always here
when you need us.
 *  +1 (888) 882-6042

Copyright © 2023 IDnotify. All Rights Reserved.

Terms & Conditions
Privacy Policy
Contact Us
We're always here
when you need us.
 *  +1 (888) 882-6042

Copyright © 2023 IDnotify. All Rights Reserved.


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