IDSafeChoice Identity Theft Recovery FAQ

1. Q. What features are included in IDSafeChoice Plus?

   A. IDSafeChoice Programs allow you to offer a high-value, timely product. All IDSafeChoice Programs provide consumers with Professional Fully-Managed Recovery Services - Advocates who perform recovery tasks necessary to restore their good name.

2. Q. What recovery benefit does IDSafeChoice offer?

   A. IDSafeChoice offers consumers the benefit of fully-managed recovery. In the event of an identity theft event, the victim is assigned a Professional Recovery Advocate who develops a personalized Identity Recovery Plan and does all the ‘legwork’ for the victim through a limited power of attorney authorization.

3. Q. What makes IDSafeChoice different from other identity recovery programs?

   A. Most other identity theft recovery programs include limited event, assisted, or semi-managed recovery - requiring the victim to have the time, skills and knowledge to perform all of the recovery tasks. With IDSafeChoice, professional, certified recovery advocates perform those tasks on behalf of the consumer - savings them time and frustration of recovery.

4. Q. What is the effective date of coverage for a participant?

   A. Coverage begins immediately when the consumer completes program enrollment from a secure link placed on your Web site. Identity theft events discovered after enrollment are considered covered events.

5. Q. How much does IDSafeChoice cost? Who pays for the program?

   A. An associated fee of $1.95 per month will be charged to your Members Preferred Credit Union account. This fee is a fraction of what this service would cost outside of the credit union

6. Q. Who is covered per account holder for this service?

   A. 3 generations of your family – including you, your spouse or partner, children under age 25 still living at home, and your parents if they are living in your home or in eldercare, with benefits for parents extended up to 12 months after death.

7. Q. How does the recovery process work?

   A. A Professional Recovery Advocate will be assigned to work one-on-one with the consumer to create a personal identity recovery plan, and will do all the legwork for the consumer by special authorization. This includes obtaining credit reports from all three credit reporting agencies and reviewing them with the consumer, as well as contacting by phone and by mail all creditors, financial institutions and government agencies. The Advocate will maintain a case file and do all follow-up to make sure all fraud is expunged.

8. Q. How long does the recovery process take?

   A. When identity theft is reported, your consumer is assigned a Professional Recovery Advocate, damage is assessed, and a Personal Recovery Plan is in place in as little as three business days or less. Depending on the nature of the problem, complete resolution may take anywhere from a few weeks to many months.

9. Q. If a victim’s friend or family member committed the crime, can IDSafeChoice still help?

   A. Yes - There is no exclusion for fraud committed by a family member, but the consumer may be asked to file a police report and name the party that has committed the fraud.

10. Q. Is there a time limit for the recovery process?

    A. No - A Professional Recovery Advocate will continue to work with the consumer until his/her identity is completely restored to pre-theft status and all problems are resolved. Once the identity is restored, the Advocate will provide post-recovery follow-up for twelve months to assure that no further problems have surfaced.

11. Q. Does the victim need to be sure that he/she experienced identity theft?

    A. No - There does not need to be a confirmed case of identity theft in order to report the problem. Even if there is no fraud evident, but there is some type of incident that increase the risk, such as a Red Flag alert or a lost purse or wallet, a Professional Recovery Advocate will research the situation to see if fraud is evident. If the consumer has experienced an identity theft event, the Advocate will take the steps necessary to begin recovery.

12. Q. What is a compromised identity?

    A. An individual's identity may be compromised if his/her personal information is part of an organizational or governmental information breach, or if he/she loses a purse, wallet or other personal identifying information. Because personal information is out of the individual's control, and could be used for criminal activity, the risk of experiencing identity theft increases. If this occurs, the Advocate will advise the consumer of their rights and provide other assistance such as placing fraud alerts, etc.

13. Q. Do I need to be sure it’s identity theft?

    A. The Advocate will do the research to determine if identity theft exists. In any event the Advocate can advise you of your rights and what to watch for in order to spot identity theft.