SmartIDentity

SmartIDentity Enhanced includes:

• A Personal recovery Advocate assigned to manage the identity recovery
• A customized Recovery Plan will be established to address specific issues
• The Advocate will perform the research, phone calls, letters, follow-up, and case documentation
• The Advocate will contact creditors, bill collectors, banks, mortgage companies, and agencies such as the DMV, SS Administration, and the US Postal Service
• The Advocate will continue to work until the identity has been restored to its pre-theft status

Plus:

Daily Credit Monitoring:

The best early warning system available today is credit monitoring to signal potential fraudulent use of your credit report.

Your Experian credit report will be monitored for the following:
• Warning of new credit in your name
• Warning of an attempt to change your address
• Warning of any new credit inquiries
• Other key changes…

SmartIDentity Enhanced+ Includes the options above plus:

Annual Credit Report:

Create a benchmark of credit on an annual basis by viewing your Experian credit report.

• See the kind of information lenders, creditors and other see in making their credit decision
• Check if for early sings of potential fraud and identity theft.

Annual Credit Score:

Know your score before you apply for credit.
A credit score is a number used by lenders to help them make a decision whether or not to make a loan. You will receive your annual credit score from Experian, along with valuable information about what is affecting your score.

SmartIDentity+ Includes the options above plus:

Expense Reimbursements:

Sometimes in the process of recovering one’s identity, even with fully-managed recovery, there could be expenses such as:
• Affidavit fees
• Notary fees
• Court costs
• Lost wages
• Attorney’s fees

With the upgrade membership expenses incurred by the victim during the recovery process are reimbursable up to $25,000. This $25,000 limit includes loss of wages up to $6,250 per week. These limits are higher than in many other programs and there are no deductibles, so a victim can recover all of the expenses they incur. Note: Identity Theft services are only available to residents of the United States. In the event of identity theft that occurs outside of the United States, identity recovery is only performed with agencies and institutions in the United States or territories where U.S. law applies