Identity Track
About Us Identity Track Benefits FAQs Consumer Resources Free Tools Contact Us
 
 
Features
  Notify Express Monitoring
  Fraud Resource Center
  Identity Theft Expense Reimbursement
  Credit Report
  Quarterly Credit Updates
  Credit Score
  Credit Analyzer
  Credit Card Registry
 

 

   
Identity Track(SM) Benefits
 

Identity TrackSM is a comprehensive suite of tools that helps you proactively monitor, manage and protect your valuable credit and identity information. This comprehensive service can help you detect and respond quickly to fraudulent activity. With our dynamic credit management resources and tools, you have the resources and information to make better financial and credit decisions.

 
Notify Express(SM) Monitoring back to top
 
Credit card fraud costs consumers over $1 billion annually. Credit Monitoring and Alerts with Notify ExpressSM is a fast, convenient way to keep track of your credit information and detect the early signs of fraudulent activity before they ruin more than your bank account. It helps you to stay informed and act quickly if potentially fraudulent activity appears.

How Credit Monitoring and Alerts help protect your credit file from fraudulent activity

  1. Notify Express checks your credit files for activity every business day.
  2. Notify Express alerts you via e-mail, U.S. mail, text-enabled cell phone or pager, so you can act immediately to stop fraudulent activity. You will receive an alert when new accounts are opened, inquiries are made, or address changes occur.

Fraud Resource Center  back to top

Understanding your credit and fighting fraud can be confusing. That is why Identity Track has trained Credit Education Specialists available Monday Friday 8 a.m. to 10 p.m. and Saturday 9 a.m. to 5 p.m. Eastern time. Please call us at 1-866-467-2366 .


Identity Theft Recovery Agents
Consumer Fraud Specialists are your powerful allies after a fraud or identity theft attack. They walk you through all the steps required to restore your credit and will:
  • Contact the three leading consumer credit reporting agencies (Equifax, Experian and TransUnion) on your behalf to place a Fraud Alert in your credit file
  • Assist you in contacting the affected creditors and law enforcement agencies
  • Assist you in filing disputes with the credit reporting agencies
  • Send you a Fraud First Aid Kit containing important contact phone numbers and addresses, and a Contact List that you can use when trying to clear your credit and name.

Credit Education Specialists
Credit Education Specialists are trained to answer your questions about your member benefits, credit report, credit score, Identity Theft Insurance, and other issues.

Identity Theft Expense Reimbursement back to top

One of the valuable features of your service is identity theft insurance. If you become a victim of identity theft you may be reimbursed for certain expenses up to $2,500 (after a $250 deductible)* per policy period. Covered expenses related to identity theft may include:

  • Lost wages (up to $2,000 per week for a maximum of 5 weeks)
  • Notarizing affidavits or other similar documents, long distance telephone calls and postage
  • Costs for re-filing loan applications, grants or other credit instruments
  • Elder, spousal or child care (up to $2,000)
  • Attorney fees incurred (with prior consent from AIG)

*Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. 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.

Quarterly Credit Updates back to top
 

Identity thieves don't just steal your money. They rob you of your time, your credit and your reputation. Identity Track provides you with your personal Quarterly Credit Update, which compiles a summary of certain changes that have been reported by Equifax®, Experian®, and TransUnion®. Plus, you'll receive updated credit scores so you can track your progress over time. Your three-month inventory of credit activity includes:

  • Lists new accounts opened in your name.
  • Records all inquiries made into your credit files.
  • Notifies you of address changes submitted to your credit file.
  • Tracks any identification information changes.
  • Lists any accounts in collection.
  • Details possible negative information on your file.
  • Updates account balance increases greater than 20%.
  • Notifies you of account status improvements.
  • Records all closed accounts, items removed from your credit file, and any credit limit increases.
  • Notes all public record items, including judgments, bankruptcies, and liens.
  • Lists all existing accounts without significant changes.
Identity Track is constantly on the watch, keeping tabs on all the information in your credit file not just the information that changes. In the time it takes you to read this, an estimated five Americans will have their identities stolen. Help protect yourself against identity theft with your Identity Track Quarterly Credit Update and Credit Scores.

Credit Score back to top

Your Credit Score provides a snapshot of your current creditworthiness based on an evaluation of common factors many creditors use to decide whether or not to extend credit. It outlines both the positive and negative factors that impact your score and compares your score to the national average so you know how you are doing and what you need to do to improve your score.


†The scores you receive with identitytrack are provided for educational purposes to help you understand your credit. Lenders use many different credit scoring systems, and the scores you receive with identitytrack are not the same scores used to evaluate your credit.



Credit Analyzer back to top
   

Understanding Credit Analyzer

Whether you're thinking about refinancing a loan, paying off some credit card debt or just looking to improve your credit score, the online Credit Analyzer tool helps you plan for the future. See how your credit scores could change by interacting with existing accounts, account balances, and credit limits. Credit Analyzer is here to help!


Why Improve Your Credit Score?

If you've been thinking of financing a large purchase, such as buying a house or a new car, keep in mind that lenders view your credit score when reviewing your loan application. With a higher credit score, not only are loans easier to obtain, but people with a higher credit score generally receive lower interest rates and that saves you a considerable amount of money over time. Understanding what causes your credit score to go up or down is the first step in earning better credit.

Creating "What If?" Scenarios on the Web

Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may affect your creditworthiness. By creating the "What If?" scenarios, you'll see how changes in each of the variables may raise or lower your credit score. Simply select a scenario and begin experimenting. It's that easy! By having the opportunity to create "What If?" scenarios, you can discover how to improve your credit score. Credit Analyzer can improve your understanding of your credit in many ways:

  • See how applying for credit, refinancing a loan, or missing payments may affect your credit score
  • Understand how your credit score can change over time
  • Learn multiple ways to improve your credit score
  • And much more!

Credit Card Registry back to top
   
Card Registry protects your vital credit and identity information in the event your cards are lost or stolen. It is the answer to what could be your worst nightmare, because help is only a keystroke or a phone call away. We immediately notify all your credit card companies. And, if you're out of town when your cards are stolen, we will provide emergency cash for you. Credit Card


Card Care
Card Care is the heart of the Card Registry protection program. We make it easy to register your cards online or via our mail-in/fax form. If your cards are lost or stolen, simply call us. We immediately contact your card companies, pull your credit information and notify you of any possible changes to your credit file. Within 48 hours of filing your report, we send you a complete status report of all your accounts. Forgot to register a card? Don't worry. We can capture it from your credit information and include it too.

Emergency Cash
If you are traveling when your cards are lost or stolen, Identity Track will help arrange up to $2,000 of emergency cash using one of your existing credit accounts if you are more than 100 miles from home.

 

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