ID Theft Protection
If you are ever a victim of identity theft, it can be a very time consuming and overwhelming process. On average, a victim of identity theft spends 175 hours and $1,500 to repair the damage done.
Electro Savings Credit Union and Kroll Fraud Solutions, a leading provider of identity theft and fraud investigation services, have partnered to offer our credit union members ID TheftSmart™.
Your 3-Stage Line of Defense against Identity Theft
Protection
You get direct access to an ID TheftSmart professional who will:
- Help you guard your personal identifying information
- Give you safety tips for shopping online or using social media
- Explain your rights under federal and state laws
- Answer any questions you have about protecting your identity — from the best virus software for your new computer to protecting your mail, and more
Detection
If ID TheftSmart discovers that your information may have been compromised, ID TheftSmart professionals will:
- Provide an action plan
- Help you interpret and analyze your credit report
- Set up a credit report freeze and fraud alerts on your behalf
- Assist when suspicious issues arise beyond the initial findings
Restoration
If your identity is stolen, licensed ID TheftSmart investigators will:
- Confirm the crime and determine its nature and scope
- Help you obtain a police report
- Provide a tri-merged credit report and perform full non-credit searches
- Work on your behalf until ALL identity theft issues have been verifiably resolved
- Place seven-year fraud victim statements with credit reporting agencies, when applicable
Don't risk another day without protection. Stop in any of our offices or call us at (314) 434-6470 now to enroll!
What is identity theft?
It's when someone steals pieces of your identity, such as your Social Security number, credit and debit card numbers, or account information to take your money or obtain false credit in your name. The goal: to buy merchandise or get cash and charge it to you.
What happens if you become a victim?
Identity theft can turn your life upside down. Not only can you lose money and good credit, you can spend weeks, months, or even years trying to rectify the problem. ID TheftSmart is your answer. If your identity is ever stolen, ID TheftSmart professionals spring into action. You don't have to do a thing because they step in as your advocate, fully committed to restoring your identity to pre-theft status as quickly and efficiently as possible. And with thousands of hours of experience – more than any other company in the industry — ID TheftSmart investigators get results.
Good news — with ID TheftSmart, you can breathe easy.
In the event your identity is ever compromised, experienced Kroll investigators work on your behalf to protect, restore and preserve your identity. You receive full-service identity restoration from a licensed investigator should you become a victim. You also have a resource to help answer questions or provide guidance on security and fraud related concerns to help protect you and your family from exposure to identity theft.
There's never been a better time to safeguard your identity. Stop in any of our offices or call us at (314) 434-6470 now to enroll!
ID TheftSmart is available only to Electro Savings Credit Union members for only $5 per month, a fraction of the cost of similar programs that are not nearly as comprehensive.
Already enrolled in ID TheftSmart?
Congratulations! You’ve made the smart choice to safeguarding your identity. Click here to log into your IDTheftSmart account or to complete your setup enrollment.
Additional Resources
Learn more tips on how to protect your identity.
Credit Monitoring Service Provider Change
Enhanced and expanded credit monitoring services
Effective June 27, 2017, the credit monitoring portion of ID TheftSmart, will transition credit monitoring from TransUnion to Experian.
This change is a positive one for our members for the following reasons:
- Enhanced and expanded credit monitoring services.
- Currently TransUnion monitors for and provides credit related alerts, consisting of Delinquencies, Public Records, New Credit Inquiries, New Account Openings and Changes of Address. Experian will monitor the same alerts plus additional categories, such as Unconfirmed Address, Card Over Limit, and several alert categories.
- While the credit monitoring services will be enhanced, your monthly fee for this service will stay the same.
- All member login credentials to the ID TheftSmart website, log-ins and passwords will remain the same.
- Prior to June 27th, members who log into their ID TheftSmart account will view a message advising you of the transition.
- Members who log in to their ID TheftSmart account after June 27th for the first time, will be asked to accept Experian’s terms and conditions. In addition, to a message advising you of the transition is complete.
- This change will have no impact to any other ID TheftSmart services, such as the Fraud Consultation and Identity Theft Restoration.
Frequently Asked Questions
Question: What is happening?
Answer: On June 27, 2017, Kroll our ID TheftSmart partner is switching credit monitoring services from TransUnion to Experian.
Question: Why is Kroll doing this?
Answer: Kroll believes this will be an opportunity to enhance and expand the credit services being offered today. Kroll is consistently testing the three credit repositories to see who is collecting the most information and who is disseminating it the fastest, and at the current time on a national level, that is Experian. In addition, Experian will be monitoring and alerting members on a number of new categories on their credit record including, Unconfirmed Address, Card Over Limit, and several other alert categories.
Question: The website says I need to print and save my alerts because they are going away. Why?
Answer: Once the switch is made from TransUnion to Experian, the historical data from TransUnion will no longer be accessible through the Kroll portal. All TransUnion generated alerts are proprietary information of TransUnion which is why they will no longer be available. Therefore, Kroll encourages members to review all alerts upon receipt, and print/save them, as necessary, for their records.
Question: Is this switch going to change the rest of my services?
Answer: No, it’s just the credit monitoring portion will just be powered by Experian instead of TransUnion. Please note there is no impact to your Kroll non-credit services, such as the Fraud Consultation and Identity Restoration services. Also, the monitoring service website and login credentials will remain the same.
Question: I didn’t review an alert before the transition, and now I have questions about what it was.
Answer: Kroll’s monitoring alerts are generated via a change to your credit file. If you have any questions about a monitoring alert, please contact Kroll via the communication options listed on your ID TheftSmart website.
Question: Is this transition going to impact my credit score?
Answer: No.
Question: Since the credit monitoring service is going to alert on more categories will there
be any additional cost?
Answer: No. the price will remain the same.