Think you don't need Identity Theft Protection?
Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone- regardless of your age, income, where you live, or how careful you are.
Restoring your identity on your own can be stressful and time-consuming. After a while, some people give up, leaving them to contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.
First Community Credit Union has partnered with one of the nation's most trusted names in Identity Theft Protection to provide you with a comprehensive Identity Theft Research, Remediation and Recovery Service. As a checking accountholder, you are eligible, for the following services at just $3 a month:
Fully Managed Identity Theft Research, Remediation, and Recovery
If you suspect identity theft, or if your personal information becomes compromised, we will assign you to a personal Recovery Advocate who will complete the recovery work on your behalf, report on progress along the way, and be there for you until your good name is restored — no matter how long it takes!
Based on the fraud incident, a Recovery Advocate will:
- Assist in placing fraud alerts at the three major credit bureaus
- Review your credit reports and other records to identify the extent of fraudulent activity
- Re-mediate fraudulent transactions, false accounts, and/or contracts signed
- Support law enforcement as they work to stop the criminal(s) using your identity
- Follow up with you for 12 months
Fully Managed Identity Theft Recovery services automatically extend to cover three generations of your family (3G), including:
- Spouse or domestic partner
- Dependents under age 25 with the same permanent address
- IRS-qualified dependents
- Parents living with you or in elder care (nursing home, assisted living, or hospice)
All 3G family members are covered for a full 12 months after death as well — an important benefit as identity thieves target deceased individuals.
Lost Document Replacement
If important documents are lost or stolen, your Recovery Advocate will work for you to obtain replacements for the missing documentation.
Identity Theft Expense Reimbursement Insurance
If you have any expenses incurred during the recovery of your identity such as lost wages or attorney's fees, you will be reimbursed up to $10,000.1
- For complete terms and conditions of the group services, click here.
Increase Your Protection
Add additional protection for yourself and your family or recommend to a friend. All packages include fully-managed recovery and lost document replacement, plus:
- 1 Bureau Credit Monitoring
- $1 Million Expense Reimbursement Insurance2
- Internet Black Market Monitoring
Monthly Retail Price: Individual $5.95, Family $9.95
Learn more about upgrade options to further protect yourself and your family. This service is also available for our business checking account holders.
1Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions & limitations of coverage. Coverage is currently not available to residents of NY & may not be available in other U.S. territories or jurisdictions in the future.
2Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only & does not include all terms, conditions & exclusions of the policies described. Please refer to the actual policies for terms, conditions, & exclusions of coverage. Coverage may not be available in all jurisdictions.