Identity theft refers to any situation where an unscrupulous individual uses your name, credit information or other personal information in order to fraudulently achieve a goal. This can include using your name and driver's license information to commit legal infractions that will go on your criminal record, using your bank account number to take money out of your account, using your Social Security number to secure a loan, using your credit card number to make purchases with no intent of paying the money back, or using your credit profile to open up a line of credit. Identity theft is about fraud. It's about using your good name to steal. And because of this, identity theft can cost you a great deal in time, fees, emotional pain and even damage to your reputation.
PrivacyGuard places an array of helpful identity protection tools right at your fingertips, and backs it up with the support you need to get the most out of your protection. Each day, PrivacyGuard scans your credit files at the three national credit reporting agencies - Equifax, Experian and TransUnion - and alerts you of certain changes. Should an inquiry be made on your credit or a new account is opened, PrivacyGuard will send you an alert apprising you of the change and give you the resources and support needed to help rectify any issues. In addition, you can receive your triple bureau credit report and CreditXpert Credit Scores™ every 30 days, enabling you to review your entire credit profile and help ensure that it is accurate. See details.
For your security, simply complete the authentication process on the website after you enroll in PrivacyGuard. You cannot access your Credit Report and Scores or start your Credit Monitoring and Alerts until you verify your identity.
PrivacyGuard also provides lost wallet assistance for your credit and debit cards. Simply register your important card numbers with PrivacyGuard, and should you lose any of your registered cards, just call and PrivacyGuard can help you cancel your affected cards and have replacements sent to you. See details.
PrivacyGuard provides comprehensive identity protection. However, in the unlikely event that your identity becomes compromised while you're a PrivacyGuard customer, you'll receive the support and guidance you need to help you restore your good name. Our team of professional fraud recovery professionals will work with you each step of the way in helping you to recover your identity. This includes helping you contact the necessary creditors, filing the required paperwork and streamlining the credit dispute process. In addition, PrivacyGuard identity protection covers you with up to $1,000,000 in identity theft insurance.*
As a PrivacyGuard member, you also have unlimited access to the Credit Information Hotline, a toll-free service that can help you understand every aspect of your credit report. Spotting inaccuracies in your credit report can be a tricky process, but the Credit Information Hotline can help you navigate through all the information and provide support with rectifying any issues you may find.
Getting started with PrivacyGuard is quick and easy. Best of all, you can try all of PrivacyGuard's identity protection services right now. Sign up now, and experience all the benefits and peace of mind that PrivacyGuard's comprehensive identity protection offers.
*Your PrivacyGuard membership includes Experian Scorex PLUS℠ and CreditXpert® Scores™. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common scoring practices and are designed to help you understand your credit. Your scores are calculated using specific algorithms and are based on information from the files at the three major credit reporting agencies. Your scores may not be similar to scores you receive directly from those agencies or from other sources
*Your liability for unauthorized use of your credit, debit, and ATM cards is limited under federal law. In addition, your card issuer's liability policy may provide for lesser liability amounts that under federal law. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable.
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The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected.
The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of PrivacyGuard, through Alliance Marketing Association (the "Association"). Upon enrollment in the PrivacyGuard service, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of Chartis Inc. (collectively, the "Company") under group policy # 7077733 for non-New York State insureds and # 1423212 for New York State insureds. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.
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1 Your CreditXpert® Scores™ are provided by CreditXpert Inc. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores you receive directly from those agencies or from other sources.
2 Daily monitoring will notify you of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then you will receive a monthly notification stating that no information has changed within your credit file.
PrivacyGuard is a service of Trilegiant Corporation in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the PrivacyGuard service. Any part of the service may be modified or improved at any time and without prior notice. PrivacyGuard is not available to residents of Rhode Island. PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, LLC.
