ID Watchdog Identity Theft Protection

Lock or unlock access to your Equifax credit report through your ID Watchdog account with certain exceptions.3 Locking your Equifax credit report is an effective way to provide additional protection against unauthorized access and to help better protect against identity thieves from opening new accounts in your name.

Fully Managed Resolution Services

Assigns one of our highly trained and certified resolution specialists to your identity theft case. We go beyond resolution assistance—your case is fully managed until it is resolved.

Resolution for Pre-existing Conditions

When enrolled through your employer’s benefit program, provides full service resolution for pre-existing identity theft regardless of when it occurred. Helps identify pre-existing conditions by establishing a baseline identity profile report incorporating records going back up to 30 years, which you can review to see whether or not they should be associated with your identity.

Identity Theft Insurance

Up to $1M identity theft insurance⁴ that provides reimbursement for certain out-of-pocket costs related to the recovery of your identity. The insurance includes stolen funds reimbursement for unrecoverable, fraudulent electronic transfers from checking, savings, and money market accounts.

Lost Wallet Vault & Assistance

Assists you with cancelling and replacing the wallet contents added to Dark Web Monitoring (e.g., credit and debit cards and government-issued identification) in the event of a lost or stolen wallet.

Deceased Family Member Fraud Remediation

Resolves the identity theft, if necessary, of an enrolled family member who passes away. When a loved one passes on, the deceased’s identity may still be vulnerable to theft.

Fraud Alert & Credit Freeze Assistance

Get help setting up fraud alerts on your credit reports across the three nationwide credit bureaus. This encourages lenders to take extra steps to confirm your identity before opening new credit. Contact our 24/7 Customer Care Center for assistance in setting up a one-year initial fraud alert that can be renewed with the credit bureaus.

Customizable Alert

Set your preferences, and receive alerts via email, text message, phone call, or mobile app push notification.

Solicitation Reduction

Opt in or out of the National Do Not Call Registry and pre-approved credit offers—reducing junk mail and telemarking.

24/7/365 U.S.-based Customer Care Center

Reach a U.S.-based Customer Care Advocate whenever you need help at 866.513.1518. Our center has English and Spanish-speaking representatives on staff and supports over 100 additional languages. All of our advocates are certified in internet and social media safety and participate in ongoing industry training.

⁴ The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits (www.idwatchdog.com/terms/insurance).

Lock or unlock access to your Equifax credit report through your ID Watchdog account with certain exceptions.³ Locking your Equifax credit report is an effective way to provide additional protection against unauthorized access and to help better protect against identity thieves from opening new accounts in your name.

Child Credit Lock

Through your ID Watchdog account, activate a Child Credit Lock for your minor child to help better protect against credit fraud in your child’s name by creating an Equifax credit report for your child then locking it to prevent access to it by potential lenders and creditors. ID Watchdog is the only benefits provider with online child lock capabilities.

Financial Accounts Monitoring

Set custom alert triggers for credit card, checking, savings, and investment accounts so you can monitor account balances and transactions and watch for signs of fraudulent activity.

Social Network Alerts

Notifies you of potential cyberbullying or reputation-damaging information directed at you or your family on social media. Link up and monitor your Facebook, LinkedIn, Twitter, and Instagram accounts as well as those of minor children included in your plan.

Registered Sex Offender Reporting

Searches for sex offenders in your area, and alerts you when offenders move into or out of the neighborhood. Reports include map, offender photo, and offense details. Run up to 10 reports on any address each month.

Customizable Alert Options

Set your preferences, and receive alerts via email, text message, phone call, or mobile app push notification.

Breach Alert Emails

Monitors the United States Postal Service (USPS) National Change of Address database for addresses associated with your name and detects the rerouting of your mail to a new address in case it was done without your knowledge.

Mobile App

Access plan features right from your iOS or Android phone. Receive alerts and view alert details, lock or unlock your Equifax credit report with certain exceptions, activate an Equifax Child Credit Lock, and contact our Customer Care Advocates with one-touch calling.

National Provider Identifier (NPI) Alerts

If you are a healthcare provider, this feature monitors the National Provided Identifier  (NPI) database for changes associated with your NPI number and alerts you if your account has been modified in a way that, if unrecognized, could indicate identity theft.

³ Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like ID Watchdog, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state, and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of pre-approved offers, visit www.optoutprescreen.com.

If your personal information is lost or stolen, you don’t have to face it alone.   We’re here for you 24 hours a day, seven days week.

Support & Restore Feature Descriptions:

Credit Report Lock

Lock or unlock access to your Equifax credit report through your ID Watchdog account with certain exceptions.3 Locking your Equifax credit report is an effective way to provide additional protection against unauthorized access and to help better protect against identity thieves from opening new accounts in your name.

Fully Managed Resolution Services

Assigns one of our highly trained and certified resolution specialists to your identity theft case. We go beyond resolution assistance—your case is fully managed until it is resolved.

Resolution for Pre-existing Conditions

When enrolled through your employer’s benefit program, provides full service resolution for pre-existing identity theft regardless of when it occurred. Helps identify pre-existing conditions by establishing a baseline identity profile report incorporating records going back up to 30 years, which you can review to see whether or not they should be associated with your identity.

Identity Theft Insurance

Up to $1M identity theft insurance⁴ that provides reimbursement for certain out-of-pocket costs related to the recovery of your identity. The insurance includes stolen funds reimbursement for unrecoverable, fraudulent electronic transfers from checking, savings, and money market accounts.

Lost Wallet Vault & Assistance

Assists you with cancelling and replacing the wallet contents added to Dark Web Monitoring (e.g., credit and debit cards and government-issued identification) in the event of a lost or stolen wallet.

Deceased Family Member Fraud Remediation

Resolves the identity theft, if necessary, of an enrolled family member who passes away. When a loved one passes on, the deceased’s identity may still be vulnerable to theft.

Fraud Alert & Credit Freeze Assistance

Get help setting up fraud alerts on your credit reports across the three nationwide credit bureaus. This encourages lenders to take extra steps to confirm your identity before opening new credit. Contact our 24/7 Customer Care Center for assistance in setting up a one-year initial fraud alert that can be renewed with the credit bureaus.

Customizable Alert

Set your preferences, and receive alerts via email, text message, phone call, or mobile app push notification.

Solicitation Reduction

Opt in or out of the National Do Not Call Registry and pre-approved credit offers—reducing junk mail and telemarking.

24/7/365 U.S.-based Customer Care Center

Reach a U.S.-based Customer Care Advocate whenever you need help at 866.513.1518. Our center has English and Spanish-speaking representatives on staff and supports over 100 additional languages. All of our advocates are certified in internet and social media safety and participate in ongoing industry training.

⁴ The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits (www.idwatchdog.com/terms/insurance).

On your benefit effective date, instant-on monitoring features will take effect for you and your family members. These include Credit Report Monitoring (instant-on for employee only), High-Risk Transactions Monitoring, Public Records Monitoring, USPS Change of Address Monitoring, Dark Web Monitoring and Subprime Loan Monitoring.  Through the online dashboard, you’ll be able to see alerts for your instant-on features and take steps to set up additional features available through your plan. Plus, you can download the ID Watchdog Mobile App to keep a pulse on personal information when on the go.

Adult family members on your plan will need to verify their identity to begin credit report monitoring and register their own account to access their dashboard and features.

If you need additional support, you can call us with your questions 24 hours a day, 7 days a week at 1.866.513.1518.

MORE for Families

Our family plan helps you better protect your loved ones, with each adult getting their own account with all plan features. And, we offer more features that help protect minors than any other identity theft protection provider.

• Features that help better protect children:
• Identity & Financial Monitoring
• Equifax Child Credit Lock
• Social Network Alerts
• Registered Sex Offender Reporting
• Dedicated Resolution Specialists
• Identity Theft Insurance