What is Credit Monitoring?
Credit monitoring includes monitoring of changes reported to all three national credit bureaus: Experian, Equifax, and TransUnion. Changes monitored include: personal information, public records, inquiries, new account openings, and existing accounts reported past due.
How often is my credit monitored?
Credit bureau notifications are generated through consistent monitoring, and are distributed multiple times a day. A credit bureau file is monitored daily and any notifications triggered as a result of new inquiries and/or adjustments made to a credit file are sent to you via email.
What should I do if I see a mistake or inaccuracy on my credit report?
In some cases, the credit reporting agency may commit errors on your report — the incorrect information may simply be a mistake. However, an error on your credit report could indicate that an identity theft event has occurred. If you see incorrect information on your credit report, we recommend you contact Kasasa Protect™.
Why is there a difference in credit scores across the three credit bureaus (Equifax, Experian, TransUnion)?
Each credit-reporting agency generates a score derived from what is reported about you. A creditor may report to one, two or all three of the national credit bureaus. As a result, the information one credit bureau has may be different than another, resulting in a different credit score
What does it mean if I see big changes in my credit score from month-to-month?
Every reported item on your credit report is used to calculate your credit score. Some reasons why a score might change significantly are an account was not reported for the month, an item has been added to or removed from your report, changes in account balances, and opening new lines of credit.
What is Internet Surveillance?
Kasasa Protect’s Internet Surveillance service scours internet properties, like websites, blogs, bulletin boards, peer-to-peer sharing networks, and chat rooms, and notifies you if a match to your monitored personal information is found. Knowing that your information is compromised can help you to avoid an identity theft event or begin the resolution process sooner.
Where does Internet Surveillance’s data come from?
Internet Surveillance’s data comes from Internet forums and websites, web pages, IRC channels, refined PII search engine queries, Twitter feeds, P2P sources, hidden and anonymous web services, malware samples, botnets, and torrent sources.
Is the buying and selling of others’ personal information online illegal?
This activity is illegal in the United States, but other countries do not necessarily have the same laws as related to cyber crime. United States regulatory agencies have no jurisdiction to prosecute fraudsters acting on websites and chat rooms located in other countries.
Can I still become a victim of identity theft even though I am enrolled in Internet Surveillance?
Internet Surveillance dramatically reduces your risk of identity theft by letting you know sooner if your personal information is compromised, and in turn enabling prevention or quick resolution of an identity theft incident. In addition to Internet Surveillance, you may also have identity protection insurance and recovery services to help alleviate some of the financial burden of identity theft and guide you through the often confusing and difficult process. Unfortunately, no identity protection tool can prevent identity theft altogether.
What is the Lost Wallet service?
If you lose your wallet, Kasasa Protect™ can help you quickly and effectively terminate and re-order wallet contents. Protect yourself and reduce stress by using Kasasa Protect™ lost wallet service. Our designated Certified Identity Theft Risk Management Specialists will work with you to cancel and/or reissue all documents that were lost, including credit cards, ID cards, and more.
What is Full-Service Identity Restoration?
Kasasa Protect™ provides full-service identity restoration in the event you or your child becomes a victim of identity theft. If you suspect there is a problem, a Certified Identity Restoration Specialist is available to work with you 24/7/365.
What is included in Full-Service Identity Restoration?
Kasasa Protect Identity Care Specialists will determine if an identity theft event has occurred and guide you through any necessary restoration activities like:
Contacting the entity that issued the account or credentials that have been compromised (like your bank, credit card issuer, the Social Security Office, etc.)
Notifying law enforcement
Reviewing your credit report
Filing the appropriate fraud alerts with various entities
Placing credit freezes at different bureaus
Why is monitoring your social security number (SSN) so important?
Imagine what could happen if an unscrupulous individual got his or her hands on your SSN, probably the most powerful piece of identifying information you have if you are a U.S. citizen. This person could easily use your SSN to set up usernames, validate personal accounts, open a credit card, secure a loan, and even purchase a home – all using your identity.
What is Financial Account Takeover monitoring, and how soon will I receive an alert if my personal information is found compromised?
Financial Account Takeover monitors your name and SSN, and will notify you daily if unusual or high-risk activity is detected. If detected, you will receive the following alerts:
New Bank Account Opening Alert – If your personal information has been used to open a new bank account
Bank Account Takeover Alert – If changes have been made to your existing bank account, including changes to account contact information or attempts to add new account holders
Credit Card Application Alert – If your personal information has been used to apply for a new credit card
Credit Card Opening Alert – If your personal information has been used to open a new credit card account
What records does Financial Account Takeover search for my personal information?
Financial Account Takeover monitors your personal information against transactions from hundreds of financial institutions across all 50 states, including:
Broad monitoring network, including the top 10 regional banks and credit unions
Bank of America, BB&T, Capitol One, JPMorgan Chase, and Wells Fargo
Visa and MasterCard
49.6 million new credit and demand deposit accounts new inquires annually
What is a non-credit loan?
A non-credit loan, also known as a payday or quick cash loan, is a type of short-term borrowing where an individual borrows a small amount at a very high interest rate. Non-credit loan monitoring notifies you if this type of loan has been opened using an element of your identity.
How many non-credit loan establishments does non-credit loan monitoring report cover?
Non-credit loan monitoring gets data from 23 of the top 25 payday lenders.
Why monitor your child's information?
When you add your child's personal information to be monitored by Child Monitoring, Kasasa Protect™ can alert you if we find your child's information is compromised. Knowing that your information is compromised can help you to avoid an identity theft event or begin the resolution process sooner.
Where does child monitoring data come from?
This data comes from Internet forums and websites, web pages, IRC channels, refined PII search engine queries, Twitter feeds, P2P sources, hidden and anonymous web services, malware samples, botnets, and torrent sources. The information we're reporting also comes from the data Experian has associated with your minor child.
What is Identity Theft Insurance?
Identity theft insurance provided under policies issued to our third party vendor offers reimbursement, up to $1M with $0 deductible, for expenses associated with your identity theft recovery. Financial reimbursement covers your costs incurred from your identity recovery including these and more:
Lost wages or income
Attorney and legal fees
Expenses incurred for refiling of loans, grants and other lines of credit
Costs of childcare and/or elderly care incurred as a result of identity restoration
The identity theft insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits. To report an incident, contact a specialist at 888-483-3301. In the event there is a related insurance claim, the claim will be handled by the insurance carrier.
Is there a deductible with Identity Theft Insurance?
No – this is a $0 deductible service.
What expenses are covered under Identity Theft Insurance?
Any expense related to restoring your identity, such as attorney fees and lost wages.
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