ITAC Sentinel® Premium
3-Bureau Credit 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.
Public Record Report and Monitoring
Your Public Record Report is a comprehensive summary of public information about you compiled using thousands of data sources including utilities, insurance companies and government databases. It includes information connected to your identity such as your name, address, personal property, vehicle registrations, criminal and civil court records, bankruptcy filings and more. Close analysis and ongoing monitoring of your public record can help provide an early warning of identity theft. We will carefully and routinely monitor your publicly available personal information and alert you to certain changes.
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
For added peace of mind, you’re protected with up to $20,000 identity theft insurance (after a $250 deductible) for certain expenses related to recovering from an identity theft event. Covered expenses related to identity theft include: lost wages‚ documentation costs‚ loan application fees‚ and legal fees.* Click here to view details.
*Insurance underwritten by Travelers Casualty and Surety Company for America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations.