How ID TheftSmart Protects Your Identity
In a market overflowing with solutions that focus on credit monitoring, ID TheftSmart is provided through Kroll’s Licensed Private Investigators, the nation’s leading provider of identity theft services. Kroll’s has worked with consumers to uncover and resolve identity theft issues since 1999.
Through access to databases that are not available to the public, Kroll’s private investigators do the bulk of the work for a fraud victim. Not as a counselor. Not alongside them or in conjunction with them, but as an advocate on their behalf.
ID TheftSmart encompasses a variety of services that include credit monitoring, minor monitoring, ID Integrity Scan, and ID Theft Restoration.
Credit Monitoring
If you have open lines of credit, you should order a credit report from at least one of the three major credit reporting bureaus – Equifax, Experian, or TransUnion – once a year to ensure all of your personal information is accurate.
As a member of ID TheftSmart, investigators will do the work of credit monitoring for you by providing daily reports on your credit activity through a secure online portal. Members also have access to ID TheftSmart credit specialists who will act on a member’s behalf when action needs to be taken with any of the three major credit bureaus. This will give you peace of mind that a trustworthy source is actively working to protect you from identity fraud.
Minor Monitoring
Children’s identities are valuable to thieves because they provide a clean slate that they can exploit for years without being detected. ID TheftSmart’s Minor Monitoring program keeps track of activity associated with your child’s Social Security number to protect him or her from identity fraud.
If unauthorized names, aliases, and addresses associated with a minor’s name and date of birth are detected, the enrolled adult is notified through their secure ID TheftSmart online portal. If needed, a Licensed Private Investigator will conduct additional research to determine if the fraud is legitimate and proceed with the restoration process as part of the parent’s ID TheftSmart membership.
ID Integrity Scan
Within minutes of creating an ID TheftSmart account, investigators begin your identity theft protection by scanning the dark web for your personal and financial information through the ID Integrity Scan service.
If they encounter suspicious activity, they will notify you and resolve the issue to stop identity theft before it has a chance to ruin your good name. ID Integrity Scan also monitors your address history with the United States Postal Service and your Social Security number to ensure your personal information has not been stolen.
ID Theft Restoration
If you do become a victim of identity fraud, rest assured that as a member of ID TheftSmart, investigators will take action to resolve and restore your personal information by:
- Confirming identity fraud and identify its nature and scope.
- Assisting you in obtaining a police report.
- Providing a tri-merged credit report and performing full non-credit searches.
- Working your behalf as a member until all identity theft issues have been verifiably resolved.
- Placing seven-year fraud victim statements with credit reporting agencies when applicable.
| Town Center Bank now offers ID TheftSmart to our customers for only $15 per adult in a household. Get coverage for two adults in a household for only $25 per month…and don’t forget to ask about free coverage for your children at home! |
| Call or visit your Town Center Bank branch to sign up today! |