Features

3-in-1 Credit Report
Internet Surveillance
Your Credit Scores
Notify Express^SM Credit Monitoring and Alerts
Quarterly Credit Updates
Credit Analyzer
Identity Theft Insurance
Identity Theft Recovery Unit

SPECIAL OFFER: the first 30 days at no Cost and then $12.99/month.

Privacy Assist Premier is one of the most comprehensive credit monitoring and privacy protection solutions available today, featuring monitoring from all three credit reporting agencies. Monitoring your credit files at all three agencies is the best way, according to experts, to prevent becoming a victim of identity theft. You can effectively monitor and manage your credit and help protect yourself from identity theft, one of the fastest-growing crimes in America.

3-in-1 Credit Report

With our 3-in-1 Credit Report, you get unlimited online access to a consolidated report of your credit history with side-by-side data compiled from Equifax^®, Experian^®, and TransUnion^®. This gives you a comprehensive view of your credit history and also makes it easier for you to verify the accuracy of the information at each agency.

Internet Surveillance

A special online-only feature – helps reduce your risk of identity theft by continuously searching the Internet with sophisticated web-crawling technology for evidence that your registered information may be compromised. Identity thieves frequently use chat rooms, news groups, FTP sites and other online forums to sell and buy information across the Internet. We provide the around-the-clock monitoring you need in order to detect potential fraud quickly – allowing you to take immediate action.

Your Credit Scores

Your Credit Scores, compiled with data from Equifax, Experian and TransUnion, provide a snapshot of your current creditworthiness based on an evaluation of factors many creditors use to decide whether or not to extend credit. Online members receive the positive and negative factors that impact all three scores; score comparison to the national average; and guidelines suggesting what you can do to improve your scores. Members who choose offline delivery receive this information for their Equifax credit score only.

Notify Express^SM Credit Monitoring and Alerts

Almost 10 million U.S. consumers said they were victims of identity theft during the last year, according to a Federal Trade Commission study released in September, 2003. Notify Express credit monitoring and alerts are a fast, convenient way to keep track of your information and detect the early signs of fraudulent activity and identity theft.

Notify Express can alert you to identity theft before it ruins your good credit. If a thief starts tampering with your information, Notify Express will alert you that there's a change to your file. Notify Express monitors your credit files at Equifax, Experian and TransUnion and promptly notifies you of certain changes so you can act quickly if you suspect fraudulent activity.

The following items are monitored in your credit files every business day by Notify Express:

Inquiries to your credit files
New accounts opened
New public records
Address changes
Changes to public records
Changes to account information

As a Privacy Assist Premier member, you can choose to receive your Notify Express alerts via e-mail, mail or text messaging. If you choose to receive your alerts by mail, you'll receive them for selected changes only (inquiries, new accounts opened, new public records, and address changes reported). However, if you choose to receive alerts via e-mail, you'll be notified of all changes (listed above) as reported to the credit reporting agencies.

Quarterly Credit Updates

Privacy Assist Premier carefully reviews your credit files every quarter and sends you an update that includes a summary of changes in your personal credit files as reported to Equifax, Experian and TransUnion, as well as a summary of accounts that have not seen any significant change. You also receive updated credit scores with data compiled from all three agencies. Your Quarterly Credit Update is an excellent credit management tool that can help monitor your credit changes over time.

Since reporting of credit information to the credit agencies is voluntary, the information may not be reported to all agencies or updated in a timely manner. Your Quarterly Credit Update includes any information that is reported as new or changed within any of the categories listed below:

New accounts opened
Inquiries made
Address changes
Identification information changes
Public record items (judgments or bankruptcies)
Collection accounts
Negative changes to existing accounts
Closed accounts
Items removed
Credit limit increases

Credit Analyzer

Ever wonder how opening a new account, paying off a loan or paying off revolving debt would affect your credit scores? Using Credit Analyzer, a "What If?" tool, you can see how your credit scores could change by interacting with existing accounts, account balances, and credit limits.

Credit Analyzer can improve your understanding of your credit scores 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
And much more!

Identity Theft Insurance

"Insurance for Your Good Name"

The Privacy Assist Premier Identity Theft Insurance Program reimburses victims of identity theft for certain expenses up to $25,000 (with no deductible). Expenses covered include:

Lost wages (up to $500 per week for a maximum of four weeks) as a result of time taken off from work to deal with the fraud including wrongful incarceration. Lost wages must occur during the policy period.
Notary and certified mailing costs for completing and delivering fraud affidavits or similar documents.
Loan application fees for re-applying for loans when the original applications are rejected solely because the lenders received incorrect information due to an identity theft.
Long distance phone charges associated with reporting or discussing an actual identity fraud.
Attorney fees incurred (with prior consent) for defending agencies, for removing criminal or civil judgments wrongly/entered against an Insured Person, and for challenging information in a consumer credit report.

Insurance underwritten by Travelers Casualty and Surety Company of 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. Coverage not available for residents of New York.

Identity Theft Recovery Unit

Understanding your credit and fighting fraud can be confusing. That is why Privacy Assist Premier has highly trained agents available Monday through Friday from 8 a.m. to 11 p.m. and Saturday, 9 to 6 (Eastern time), to provide one-on-one personal assistance.

Identity Theft Recovery Agents
Identity Theft Recovery agents are your powerful allies after a fraud or identity theft attack. They not only walk you through all the steps required to restore your identity but they also:

Assist you in contacting the three leading consumer credit reporting agencies (Equifax, Experian and TransUnion) to place a Fraud Statement 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 to keep track of all phone contacts made 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.

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