Credit Monitoring continuously reviews a wide range of data in your credit records. This includes personal data such as 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.
Please read this page completely; then follow the "Instructions" at the bottom of this page to activate your credit monitoring benefit.
Due to industry regulations, all I.D.TheftWise customers must activate the credit monitoring benefit themselves. 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 helpful tool in the fight against identity theft so we urge all of our customers to take advantage of this exciting benefit. Please have your membership number handy as you will need it for this automated process.
The credit monitoring benefit is limited to one per household. For those subscribers who are interested in monitoring services for others in the household, you will have the opportunity to purchase additional monitoring at a 60% discount.
After activating your credit monitoring benefit, and as long as you are enrolled with I.D.TheftWise as a Platinum member, you can access your Trans Union report and credit score at any time.
After activating the credit monitoring benefit, you will receive credit alerts via e-mail. 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 before damage can be done.
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 can elect to receive their credit alerts by U.S. Mail. Customers can also elect to receive their alerts once per week or once per month. Important Note: A new collection account or takeover of an existing account without an address change does not generate a credit alert.
All I.D.TheftWise members 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.
- If not already done, call 1–888–567–8688 to be excluded from lists for pre-approved, unsolicited credit and insurance offers.
Instructions:
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