Identity Protection and Credit Monitoring- Plan Features Explained
Below are the feature of the plans
3 Bureau Credit Report & Scores
Receive unlimited online access to your Experian, Equifax, and Trans Union Credit Reports and Scores in an easy-to-read format. See the plan matrix for the refresh frequency of the selected plan
ScoreCasterIQ
Detailed analysis of your credit report to determine the best path to improve your score. This analysis includes creating a plan to achieve a specific target score as well as the best way to spend money you have right now to improve your score the most.
ScoreCasterIQ Simulations
The ScoreCasterIQ Simulations help a consumer identify the best possible way to improve their score in the short term using one of the two methods; “target score” or “best use of funds.” With the “target score” simulations, a consumer is provided specific recommended steps they can take to reach the “target score” specified by the consumer and the funds necessary to complete the actions. Not every consumer will have the funds necessary to reach their “target score” right away. In this case, the “best use of funds” simulation will provide a consumer with the best possible considerations to maximize their score improvement using the funds available to the consumer.
ScoreCasterIQ Report
The ScoreCasterIQ Report includes customized analysis that can help a consumer determine which accounts are impacting their score. It highlights elements of each account that should be reviewed for accuracy and includes links to specific recommendations. Recommendations
ScoreCasterIQ Recommendations
ScoreCasterIQ Recommendations include a summary of all recommended actions based on the current credit report. These may include actions for the customer to consider that will have an impact in the short term, like paying down debt or utilizing an existing account. They may also include longer-term recommendations like opening new accounts to improve the balance of the credit types.
1 Bureau Daily Credit Monitoring & Alerts
Daily monitoring of your credit file at 1 of the major bureaus, combined with prompt email alerts, lets you know about changes to the information in your file that could signal fraud.
3 Bureau Daily Credit Monitoring & Alerts
Daily credit file monitoring at Experian, Equifax, and Trans Union, combined with prompt email alerts, lets you know about changes to the information in your files that could signal fraud
Enhanced Credit Monitoring
Your credit monitoring is enhanced with alerts for New Authorized Users, Credit Cards Over the Limit, Lost or Stolen Credit Cards, and More. We monitor your VantageScore 3.0 at one of the credit bureaus and alert you whenever your score changes by more than 10 points.
Score Change Alerts
We monitor your Vantage Score 3.0 at one of the credit bureaus and alert you any time your score changes by 10 points or more.
SSN Trace
Returns all names, aliases, and addresses associated with your credit file. This includes any new unverified information that might not be included in your credit report but could indicate potential fraud.
Criminal Records Monitoring
We monitor court records and law enforcement databases across the country for evidence of crimes committed in your identity. Thieves may use stolen identity if they are charged with a crime to attempt to avoid prosecution.
Dark Web & Internet Monitoring
The ”dark web” consists of websites and secure chat rooms that normal browsers and tools don’t even “see.” They often require special tools to access and are used to trade illicit information. We also scour public websites, hacker chat rooms, and foreign sites (in over 25 different languages) for instances where your SSN, name, address, phone, or email may be compromised. If found, we will alert you right away. Identity thieves may use file share networks to share or sell files of identities while remaining anonymous.
Synthetic ID Theft
Tracks your SSN for any evidence of synthetic ID Theft (when your SSN is used with someone else’s name or address
Change of Address Monitoring
We monitor the USPS' National Change of Address (NCOA) database. Changing a consumer's address to hijack mail is a common step in identity theft. We will notify you if the post office receives a request to send your mail to a new address
IQAlerts with Application Monitoring
We monitor our network in real-time for attempts to use the member's SSN in association with an application or ID authentication. Our network includes companies that offer credit but do not necessarily report to the credit bureaus, such as cell phone companies and utilities. These companies often represent the first sign of identity theft, and monitoring this network is critical to early detection.
Bitdefender Total Security with Premium VPN
Bitdefender Total Security & VPN is a complete package that covers cybersecurity for your Windows, macOS, Android, and iOS. It delivers easy device management with Bitdefender Central via the web, Android, and iOS apps. In addition, Bitdefender Total Security & VPN also includes unlimited VPN traffic for complete online privacy.
Credit Score Tracker
Credit Score Tracker plots your one bureau credit score on a monthly graph so you can see trends over time. The score is automatically updated, and you will be notified each month when it is ready.
ID Theft Insurance & Reimbursement - $1m
$1,000,000 ID Theft Coverage- provides up to $1,000,000 in coverage for; funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses, and up to $1,500 per week (five weeks maximum) for wages lost while resolving a stolen identity event. $0 deductible applies.
Family Protection
Protect your children at no additional cost. Add up to 3 dependent children to your plan, and they will receive $25,000 of ID Theft Insurance and Identity Theft Restoration assistance at no additional charge. If you have more than three children, we can provide additional coverage at a minimal cost. (Future Plans- will include an additional benefit; likely SSN/Internet monitoring as well.
ID Theft Insurance - $25k
$25,000 ID Theft Coverage- provides up to $25,000 in coverage for; funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses, and up to $1,500 per week (five weeks maximum) for wages lost while resolving a stolen identity event. $0 deductible applies.
US-based ID Fraud Restoration
If you are a victim of identity theft, IdentityIQ provides an expert Fraud Restoration Specialist to ensure financial security, privacy, and rights under state and federal law. Recovery from identity theft is not easy, but with the help of IdentityIQ, you can feel confident your name is in good hands.
Credit Score Simulator
$25,000 ID Theft Coverage- provides up to $25,000 in coverage for; funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses, and up to $1,500 per week (five weeks maximum) for wages lost while resolving a stolen identity event. $0 deductible applies.
Checking Account Report
An excellent complement to our suite of credit products, the Checking Account Report allows you to see if any of your checking accounts have been reported to the Chex System for unpaid fees, overdrawn accounts, suspected fraud, or any other reason. A flagged account can be a strong indication of fraudulent activity.
Premium Fraud Restoration
A dedicated specialist provides consultation if your identity gets stolen to understand the nature of the threat, develop an action plan and, where possible, take action on your behalf to resolve the issue as quickly as possible.
Lost Wallet Form & Assistance
Our Lost Wallet Form is a convenient document for logging your debit, credit, insurance, and other important cards so you can quickly identify them in the event of loss or theft and take immediate action to cancel and replace them before they can be used. It can also aid in filing police reports and follow-up resolution calls if your wallet or purse is lost or stolen. A Fraud Restoration Specialist will assist you in obtaining new cards and documents to the extent state and other laws allow.
Opt-out IQ (Junk Mail/Do Not Call List)
These helpful tools enable you to restrict access to your personal information. Keep telemarketers and direct mailers away using the "Do Not Mail" and "Do Not Call" lists.
Dispute Assistance
Our expert representatives can assist you in disputing information included in your credit reporting files. If you find inaccuracies in any of your credit files, call us to start the dispute process with all three bureaus and ensure a timely response.
Discounted Additional Reports & Scores
Discounted Additional Reports & Scores. With an IdentityIQ membership, you can purchase additional credit reports and scores at a discount whenever you need them. Use this benefit to add a 3-bureau credit report if your plan does not include one, update your score, or double-check your reports before making a big purchase.
IQ Center
Discounted Additional Reports & Scores. With an IdentityIQ membership, you can purchase additional credit reports and scores at a discount whenever you need them. Use this benefit to add a 3-bureau credit report if your plan does not include one, update your score, or double-check your reports before making a big purchase.
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