Identity Restoration

Identity theft protectionIDSafeChoice – Restoring your identity

Identity theft affects millions of Americans every year and is consistently the number one complaint to the Federal Trade Commission (FTC). The ever-increasing desire for mobile technology puts personally identifiable information (PII) at risk every day. And with more than 30 different types of identity fraud reported to the FTC every year, being prepared is becoming a necessity.

What would your next step be if any of the following happened to you?

  • A skimmer at a gas station steals your credit card information and duplicates are sent all over the state.
  • A thief impersonates you to apply for a new loan or credit card.
  • A felon commits a crime and uses your name and information when apprehended.
  • Your child’s Social Security number becomes compromised and the thief creates an entirely new identity; severely affecting your child’s financial future.

To learn more about the growing problem of identity fraud, and to learn how to protect yourself and your family against its devastating effects, visit https://fortfinancialcu.merchantsinfo.com.

Protecting our members

All members of Fort Financial Credit Union are eligible for Fully-Managed Identity Fraud Research, Remediation and Recovery, performed by certified, licensed Recovery Advocates, if identity fraud is known or even suspected. Should you experience a compromise of your personal information, contact Fort Financial Credit Union for assistance immediately! We will put you in touch with a Recovery Advocate who will do the work for you to restore your identity. In addition, if an eligible family member experiences an identity fraud event, he or she is covered too! These benefits extend to cover up to three generations of your family.

Eligible family members include:

  • Spouse or domestic partner
  • Dependents under age 25 with the same permanent address — even if they are in college or the military
  • Any other IRS qualified dependents
  • Parents with the same permanent address — living at home or in elder care (nursing home, assisted living, hospice, etc.)

Plus, all covered family members are covered up to 12 months after death — an important feature as identity fraud affecting deceased individuals is very common. As an added service, we have arranged for the professional identity fraud research, remediation and recovery benefits to extend beyond just accounts with us to cover all types of identity fraud — this includes both financial and non-financial fraud, such as:

  • Medical fraud
  • Bank and credit card fraud
  • Government documents and benefits fraud
  • Employment fraud
  • Phone and utilities fraud
  • And many more

Fully-Managed Identity Recovery Services

If you suspect identity fraud, or if your personal information becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop, data breach or other event, contact Fort Financial Credit Union at (260) 432-1561 and we will securely submit your case. A personal Recovery Advocate will contact you directly by phone within one business day. Or you may contact the Recovery Care Center directly at (866) 762-7868. Your dedicated professional Recovery Advocate will complete the legwork on your behalf to research and remediate all identity fraud incidents and restore your identity to pre-event status — no matter how long it takes!

Depending on your identity fraud incident, these efforts may include:

  1. Working with you to identify fraudulent activity, including credit report review (if appropriate) and conduct additional research to determine the extent of the fraud.
  2. Place fraud alerts with the three major credit bureaus.
  3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  4. Activate complimentary credit monitoring, if applicable, 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, and more, 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 wrongful activity is expunged 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. Enlist other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
  10. Provide 12 months of personal follow-up and complimentary credit monitoring, if applicable, after your recovery is complete — to be sure you stay recovered!

Are you already working with a Recovery Advocate?

Log in to your personal Identity Care Account and view details and status of your recovery. Don’t forget that your personal Recovery Advocate is available to answer any questions or concerns you might have during your Recovery.

Stolen Wallet? Lost Purse? Misplaced Birth Certificate?

Don’t worry! Lost Document Replacement services are included in your identity fraud protection services. Should you lose, misplace or have stolen an important document or credential, a Recovery Advocate will help you replace them. This service covers credit cards, licenses and other government-issued documents, just to name a few. Remember: a lost or stolen document is a compromised credential which could lead to your identity being stolen. Call Fort Financial Credit Union at (260) 432-1561 or visit https://fortfinancialcu.merchantsinfo.com to learn more.

Additional Protection

We want to ensure that all of our members have access to the very best in identity fraud protection benefits and so Fort Financial Credit Union also offers an additional way to obtain coverage. Our identity fraud protection website provides important facts and tips regarding identity theft and a direct purchase opportunity of a package boasting of comprehensive, essential services! These packages are available for all consumers, including those who may not already have identity fraud protection available through their checking account with Fort Financial Credit Union.

Available additional services include:

  • Credit Monitoring
  • Annual Credit Report and Score
  • $25,000 Expense Reimbursement Insurance

Visit https://fortfinancialcu.merchantsinfo.com for more information and to purchase one of the available packages today!

Account Fee Notification

Beginning the last day of the month you join Fort Financial, a monthly account fee of $0.95 will be added to your primary share account to offset costs that our credit union is absorbing for providing new and better services and security for you and your family members. You will see this account fee reflected on your statement as a “Security Fee”. If you have any questions about the
Security Fee on your account or wish to cancel this account, please call 260-432-1561. See Terms and Conditions for complete family benefit description.

Terms and Conditions for Identity Recovery Services

  1. Your eligibility for the IDSafeChoice Services (“Services”) is based on owning a share account with Fort Financial Credit Union. You have NOT been registered with a third party and no consumer information was used for the implementation or management of these Services.
  2. Services are offered through a group services contract with Fort Financial Credit Union and are extended to accountholders at the discretion of Fort Financial Credit Union. Services may be cancelled upon 30 days’ notice to the accountholder. You are entitled to the Services only while you own a covered account at Fort Financial Credit Union or you otherwise meet the eligibility requirements established by Fort Financial Credit Union.
  3. There is no fee for using the Services; however, the account to which the Services is attached may have a monthly fee, based on the provisions of the agreement that the accountholder has with the financial institution sponsor.
  4. Services extend to all named accountholders of covered accounts, their spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household, and parents living at the same address as the accountholder, or living in hospice, assisted living, or nursing home. All eligible family members are covered for up to 12 months after death.
  5. Services have no cash equivalent, are non-transferable, and are non-cancelable (except in the event of termination of the Group Plan).
  6. The Services do not cover reimbursement of financial losses of any kind arising from the identity theft.
  7. Eligibility for the Services is based on identity theft events that are discovered and reported to Fort Financial Credit Union on or after the effective date of the Services.
  8. Identity Theft is defined as fraud that involves the use of a consumer’s name, address, Social Security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.
  9. Fort Financial Credit Union and/or its service provider of the identity theft recovery services 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.
  10. Services may be refused or terminated if it is deemed that the accountholder or eligible family member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.
  11. THE SERVICES DO NOT INCLUDE CREDIT COUNSELING OR REPAIR TO CREDIT THAT HAS NOT BEEN AFFECTED BY FRAUD OR IDENTITY THEFT.
  12. The 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.