Identity Fraud, Inc.

Credible Protection

for any type of Identity Theft. Now that can make you feel good.

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Members Exchange Credit Union

Identity Protection Programs

Get Protection Against Identity Theft Select the Identity Fraud Protection Plan that meets your needs today.	The Essentials Core Identity Protection	Low Price Protection Identity Fraud Gold	Comprehensive Solution Identity Fraud Platinum
Identity Fraud Product Services and Features:
Identity Fraud Risk Score & Monitoring Generates your SMART℠ ID risk score based on data mining and proprietary algorithms to establish a baseline assessment of your risk to identity theft and monitors same for changes to your score. The lower your score the better. Alerts are triggered when the score materially changes. (It’s like a personal credit score, but rather for your risk to identity theft)
SSN Monitoring - Report and Monitoring The technology scours and monitors databases and commercial network activity for high risk transactions using your SSN, which SSN is typically used in opening new accounts. Alerts are sent to you in real-time allowing you to trigger a Red Alert if you do not recognize the transaction.
Triple Bureau Credit Monitoring Monitors your Experian, Equifax and TransUnion credit profiles for changes. Alerts signal activity while a monthly ‘no news is good news’ will signal inactivity.
Credit Report and Credit Score Following successful identity verification, obtain instant access to your TransUnion credit report and score. Please note that pursuant to the FACT Act and separate from the reports we provide, you are entitled to receive your own free credit reports, every 12 months, from each of the three main credit reporting agencies by calling 1-877-322-8228 or by visiting www.annualcreditreport.com
Credit Card Monitoring Monitoring and alerts of activity found in Internet chat rooms and the underground for payment card information can help stop fraud before it occurs.
DataSweep Monitoring Personal identity monitoring searches for your personal information and alerts are sent to you to proactively engage a response in coordination with our VRS Elite assistance team.
Identity Insurance Identity insurance can be critical in the event of loss. Each active Member is provided a limit of identity insurance protection to cover certain expenses associated with identity fraud. Identity insurance is underwritten by insurance company subsidiaries or affiliates of AIG, an A rated insurer that provides unique and important coverage for certain expenses, including monies stolen by unauthorized electronic funds transfer from an account in your name, as part of our Gold and Platinum plans. Other key features include coverage for legal fees, lost wages (up to $1500 per week for up to five weeks), investigatory expenses and more. > Please note that the $1 million identity insurance coverage is not available to residents of New York. Furthermore, coverage is subject to specific terms, limitations and exclusions. For a summary of coverage, please click here. If you are a resident of New York and purchase our protection, you will be provided coverage having a limit of insurance of $25,000 and subject to different terms and conditions. For a summary of coverage provided to residents of New York, please click here.	$25,000 Limit	$1MM Limit	$1MM Limit
Keystroke Encryption Software Keystroke Encryption Software helps protect your identity by encrypting your keystrokes and hiding them from hackers, malware and keyloggers intent on stealing your sensitive credentials while using the internet.
Lost Wallet Services With our Lost Wallet Services, our 24/7 support team will help you act quickly to limit your losses, maintain your good credit, and replace your lost or stolen cards.
24/7 Unlimited Resolution & Prevention Assistance 24 hours a day, 7 days a week, our VRS Elite staff are ready to assist you with fraud resolution, no matter what type or how you experience identity theft. Our staff are FCRA certified and will help to resolve your case whether it is simple or complex. In addition, staff are ready to help you take proactive steps to further protect your identity, including helping you 'opt-in' to activate free credit bureau fraud alerts, remove your name from solicitation lists, obtain credit freeze enrollment letters and to obtain similar prevention assistance and support.
	The Essentials Core Identity Protection	Low Price Protection Identity Fraud Gold	Comprehensive Solution Identity Fraud Platinum