When someone steals your identity, it's like they are taking part of your life away. In addition, the theft of your identity can keep on impacting you long after the actual loss of your identity occurs, through fraudulent charges or crimes being made in your name and the potential loss of your ability to use and obtain credit. In fact, even a spotless credit profile can be tarnished, at least temporarily, as a result of identity theft.
PrivacyGuard identity theft protection gives you a multitude of powerful tools at your fingertips, and further supplements it with professional guidance and support. Every day, PrivacyGuard scans your Experian, Equifax and TransUnion credit files - the three major national credit reporting agencies - and alerts you if certain changes occur. If an inquiry is made on your credit or a new account is opened, PrivacyGuard alerts you of this change and provides the support you need to help correct any issues. In addition, your triple-bureau credit report and CreditXpert Credit Scores™ are available for you to review every month, enabling you to see your entire credit picture and help ensure that it remains 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.
If your identity becomes compromised while you're a PrivacyGuard customer, you'll receive support and guidance to help you restore your good name. PrivacyGuard's extensive team of fraud recovery professionals will help you every step of the way in recovering your identity. This includes helping you contact creditors, filing paperwork and streamlining the credit dispute process. In addition, PrivacyGuard's identity theft 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 support center that helps you understand every aspect of your credit report. Spotting inaccuracies in credit reports can be tricky, but the Credit Information Hotline helps you wade through all your credit information and can assist you in disputing any inaccurate information contained in your credit files.
PrivacyGuard makes it is easy to get started with your identity theft protection program. Best of all, you can try all of PrivacyGuard's identity theft protection right now. Sign up now, and experience all the benefits that our comprehensive identity theft 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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