Identity Theft Protection

Identity theft is one of the fastest growing crimes in our country. To help keep you and your identity safe and secure, we’ve partnered with Sontiq™, a leading identity management services provider, to provide you with comprehensive and affordable identity protection.

Identity protection goes beyond simple credit monitoring, providing you with 24/7 monitoring services to help you and your family:

• Prevent. Receive information and resources to help you identify your potential risks and proactively protect yourself from identity theft.
• Monitor. Receive updates monthly or whenever there is a change to your information.
• Resolve. Get expert help around-the-clock and reimbursement of up to $1,000,000 in related expenses.

Stay ahead of threats with 24/7 fraud monitoring services

Available at three different levels of protection to suit your needs.

Features	Silver $3.95/month or $35.00/year	Gold $6.95/month or $65.00/year	Platinum $9.95/month or $95.00/year
ID Theft Resolution Services Unlimited toll-free assistance from fraud specialists.
$25,000 ID Theft Reimbursement Coverage Reimburses for up to $25,000 in covered losses.
$1,000,000 ID Theft Reimbursement Coverage Reimburses for up to $1,000,000 in covered losses.
Single Bureau (TransUnion) Credit Monitoring Same day alerts when a change/update occurs to your credit file.
Triple Bureau Credit Monitoring Provides same day alerts when a change/update occurs to your TransUnion, Experian, or Equifax credit files.
Report and Score An annual credit report and score from one or more credit bureaus: TransUnion. Experian, Equifax	(TransUnion)	(3 Bureaus)	(3 Bureaus)
Court Records Monitoring Provides a onetime report and ongoing alerts of activity on all digital criminal records related to your identity.
Social Security Number (SSN) Trace Monitoring Provides a onetime report showing names, aliases, and address history tied to your social security number (SSN).
Change of Address Monitoring Provides a Change of Address Report if an address change occurs at USPS.
Cyber Monitoring CyberScout will monitor chat rooms and websites and alert you if your personally identifiable information is detected.
Sex Offender Monitoring Provide a report/alerts of names/addresses of sex offenders in your zip code.
Dark Web Monitoring Detect fraudsters trading your information on the Dark Web.
BreachIQ A unique, proprietary method for considering the identity risks consumers face following breaches and other data exposures and what action they should prioritize in the current threat environment.

What You Need to Know

The credit scores provided are based on the VantageScore^® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore^® 3.0 to assess your creditworthiness.

Sontiq™ is a registered trademark of Sontiq, Inc. (“Sontiq”). Monthly fees apply. Sontiq's Terms and Conditions of Use apply. The Terms and Conditions of Use can be found here. Sontiq may modify or improve any part of the service at any time and without prior notice. This service is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating.

The identity theft insurance benefit for members is underwritten and administered by Hamilton Insurance DAC and/or its affiliates. Coverage is provided under a master group policy issued in the name of Sontiq, Inc. for the benefit of members. The complete policy is available from Sontiq on request. Sontiq's insurance carrier administers all claims and Sontiq shall have no responsibility with respect to such identity theft benefit. Restoration services are provided by Sontiq.

Even without an identity protection service, you have the right to up to three free credit reports every 12 months from AnnualCreditReport.com or 877-322-8228. Information regarding your free credit reports and other Fair Credit Reporting Act rights you have is also available at the Federal Trade Commission and the Consumer Financial Protection Bureau websites.