ITAC Sentinel® Plus
3-in-1 Credit Bureau Report, Scores†, & Quarterly Credit Updates
Being aware of changes to your credit file not only helps you better understand your credit, but also alerts you to potential mistakes or identity theft. It’s very easy for inaccuracies or fraud to damage your credit report and, in turn, your credit scores. Usually, it is a simple clerical error that will need to be corrected. Other times, it could be an indicator of identity theft — something you need to address quickly. That’s why we provide you with a consolidated, easy-to-read credit report and scores based on data from Experian®, Equifax®, and TransUnion®. You’ll also receive a Quarterly Credit Update every three months to help you track your financial information over time.
3-Bureau Credit Monitoring and Alerts
Every business day we’ll monitor your credit files at all three agencies, looking for activity that could indicate identity theft. When we detect certain activity that could indicate identity theft, we’ll promptly send you a NOTIFY EXPRESS® alert by phone‚ text‚ email and/or mail to help you determine if you need to take action. You can confirm the activity as valid, or take immediate action if you suspect fraud.
Internet Surveillance helps reduce your risk of identity theft online by continuously searching the Internet for signs that your registered bank accounts, credit accounts and Social Security Number are potentially at risk. Identity thieves frequently use chat rooms, news groups, File Transfer Protocol sites and other online forums to buy and sell stolen credit information.
Card Theft Protection
Our service is designed to take the hassle and worry out of losing your credit cards. One phone call puts our team to work canceling and/or reissuing your credit cards, and if you should lose your wallet while traveling, you can request up to $2,000 in emergency cash. Our agents provide the one-on-one assistance needed to quickly take action to make sure your credit card information isn’t being used illegally.
ITAC Victim Assistance®
Our service includes world class identity theft support from experts who can help you every step of the way. Once we've determined that you may have become a victim, our ITAC Victim Assistance professional will:
- Obtain a current credit report and review it with you to look for evidence of fraud.
- If fraud is found, we will notify each of the creditors to begin an investigation.
- Assist in placing a fraud alert at the three major credit reporting agencies to help prevent additional fraud from occurring.
- Provide case file and affidavit information to law enforcement.
- Provide a complete summary of the interview process and assistance to make follow-up easy.
ITAC Victim Assistance can help you with respect to certain activity that shows up in your credit report. However, identity thieves frequently use personal information in ways that do not appear there. If you suspect your information is being used or has been stolen for employment, government benefits or other purposes it is important to contact these organizations as necessary or appropriate. We do not contact these organizations for you. Certain features of our services, such as Public Record Reports, may also help detect that your identity is being misused.
Unlimited Toll-Free Personal Customer Service
Contact a Credit Education Specialist to answer questions about your member benefits, credit report and credit scores.
This online interactive tool allows you to use your personal credit information to create multiple "What if?" scenarios to see how certain financial decisions could affect your credit.
Identity Theft Insurance
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 $20,000 (after a $250 deductible)* per policy period. Covered expenses related to identity theft may include:
- Lost wages (up to $2000 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.