ID Theft Protection

Congratulations! As an accountholder at Solutions Federal Credit Union, you are eligible to receive the complimentary benefit of IDSafeChoice.If you become a victim of identity theft, IDSafeChoice will go to work to restore your credit and your credibility – a process that could save you up to 600 hours of your time.Surveys show that as many as a third of all victims give up without ever getting back their good name – even after a year of trying on their own. IDSafeChoice provides you with the reassurance that if identity theft strikes – no matter what the reason – a professional is standing by, ready to restore your good name – no matter how long it takes.If your identity becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop or notification of your involvement in a data breach, IDSafeChoice can help with a Personal Recovery Advocate, who will:

  1. Place fraud alerts at the three major credit bureaus for you
  2. Help you access services to watch for identity theft signs
  3. Pull credit reports and do a threat assessment to determine if any identity theft has occurred

If you become a victim of identity theft, your Personal Advocate will:

  1. Place fraud alerts at the three major credit bureaus for you
  2. Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity.
  3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  4. Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  5. Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc. as applicable, to address any misuse of official documentation of your identity.
  6. Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  7. Follow up to make sure all wrongful activity is reversed and removed from your records.
  8. Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.
  9. Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
  10. Provide 12 months of follow-up after your recovery is complete – to be sure you stay recovered!

Please see the ID Safe Choice Terms and Conditions:

  • Services are provided to the named individual in Sponsor’s Covered Group; businesses do not qualify for this offer. Benefits are non-transferable.
  • Benefits have no cash equivalent, are non-transferable, and non-cancelable (except in the event of termination of the Group Plan.) Provider Services do not cover financial losses of any kind arising from the identity theft.
  • Eligibility for recovery services is based on identity theft events that are discovered and reported to the services provider on or after the effective date of the individual’s coverage and during the eligibility period.
  • Provider reserves the right to refuse or terminate services if it is deemed that the participating plan member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. —Provider will not refuse or terminate services to a plan member solely due to the complexity of a case. Provider cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
  • Service Provider does not provide credit counseling or repair to credit which legitimately belongs to the plan member.
  • Services are only available to residents of the United States. Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.
  • Identity theft services are provided by Merchants Information Solutions, Inc. (MIS).

No registration is required. If you suspect you are a victim of identity theft, visit us at: 907 Broadway, Elmira, NY 14904 or call (607) 734-7144.

You may upgrade your complementary IDSafeChoice coverage to IDSafeChoice Plus for enhanced benefits, including credit monitoring, family coverage and more.

Don’t wonder! Let the professionals alert you if there is trouble. Learn more about IDSafeChoice Plus or to enroll today.