Identity Consultation Services
As a member, you have unlimited access to
identity consultation services provided by our
licensed private investigators. The investigator
will advise you on best practices for identity
management tailored to your specific situation.
Consultative services include:
Privacy and Security Best Practice
Consult on best practices for the use and protection of your Social Security number and Personally-Identifying Information (PII).
Provide consultation on current trends, scams, and schemes related to identity theft and fraud issues.
Discuss best practices for financial transactions, online activities, and consumer privacy.
Provide the knowledge to help protect your identity and to inform you of your rights under federal and state laws.
Help interpret and analyze your credit report and take steps to reduce pre-approved credit offers.
Consult on public record inquiries, background searches, or credit freeze issues.
Event-Driven Consultation Support
Lost/stolen wallet assistance.
Data Exposure/Data Breach.
Alerts and Notifications
Monthly identity theft updates to help educate and protect.
Data breach notifications.
Consultation services are limited to the solutions, best practices, legislation, and established industry and organizational procedures in place in the United States and Canada as determined beneficial or productive by our licensed private investigators.
Black Market Website Surveillance
Monitors global black-market websites, Internet Relay Chat (IRC), chat rooms, peer-to-peer sharing networks, and social feeds or your PII, looking for matches of name, date of birth, Social Security number, email addresses (up to 10), phone numbers (up to 10), driver’s license number, passport number and medical ID numbers (up to 10).
Address Change Verification
Keeps track of a personal mailing address and
sends an alert when a change of address has
been requested through the United States Postal Service.
Social Media Monitoring
Monitors multiple social media accounts and content feeds for privacy and reputational risks. You will be alerted to privacy risks like the exposure of PII, including street address, date of birth, or Social Security number, as well as reputational risks like foul language, drug and alcohol references, or discriminatory terms.
Black Market Website Surveillance (Internet Monitoring)
Monitors global black market websites, Internet Relay Chat (IRC), chat rooms, peer-to-peer sharing networks, and social feeds for PII, looking for matches of Social Security number, credit card numbers (up to 10) and bank account numbers (up to 10).
Court Records Monitoring
Detects criminal activity that may be associated with your personal information, sending an alert when signs of potential criminal identity theft are recognized.
New! High-Risk Account Monitoring. As a member, you have access to continuous credit monitoring through TransUnion. Monitoring can be accessed immediately via the member’s service portal dashboard on myidshield.com or through the free IDShield mobile app. Credit activity will be reported promptly to the member via an email alert and mobile push notification.
Credit Inquiry Alerts
New! Instant Hard Inquiry Alerts. Members will be notified via email when a creditor requests their TransUnion credit file for the purposes of opening a new credit account. Alerts may also be triggered when a creditor requests a credit file for changes that would result in a new financial obligation, such as a new cell phone account, a lease for a new apartment, or even an application for a new mortgage. Inquiry alerts can be helpful in determining when an identity thief is opening a new account without your authorization.
Monthly Credit Score Tracker
You’ll receive a monthly credit score report from TransUnion that plots your score month-by-month on a graph, giving you the ability to see how your credit scores have changed over time, along with score factors that provide insight into what events may have caused your credit score to change.
Payday Loan Monitoring
Alerts you when your personal information is
associated with short-term, payday or similar
cash advance loans.
$1 Million Insurance
If you incur expenses as a result of a stolen identity event, this policy covers lost wages, elder and child care, travel, legal defense fees and stolen funds via electronic transfers.
Employee Family Plan Coverage
Minor Identity Protection (Formerly Safeguard for Minors - Family Plan only)
Allows parents/guardians of up to 10 dependents under the age of 18 to monitor for potentially fraudulent activity associated with their child’s SSN. Unauthorized names, aliases, and addresses that become associated with a minor’s name and date of birth may be detected. The service monitors public records in all 50 States including:
real estate data, new mover information, property and recorder of deed registration, county assessor/record data, internet job site providers, state occupational license data providers, voter information, public records/ court proceedings, bankruptcies, liens, and judgments. Parents/Guardians are provided a baseline scan, with subsequent alerts and notifications thereafter.
Dependent Identity Theft Protection (Ages 18 to 26 - Family Plans only)
If you have dependents between the ages of 18-26, that either lives at your home or are a full-time student and have never been married, they are still eligible for protection. Dependents who fall under this category will receive unlimited consultation and complete restoration by our licensed private investigators. Note that monitoring is not available for dependents in this category.
Our Licensed Private Investigators perform the bulk of the restoration work required to restore a member’s identity to pre-theft status.
IDShield Service Guarantee
We don’t give up until your identity is restored.
Note: The purchase of IDShield requires members to have a valid email address.
The following are excluded from the services: LEGAL REMEDY - Any stolen identity event where the victim is unable or unwilling to prosecute the person who caused the victim to suffer the fraud or its consequences. DISHONEST ACTS - Any dishonest, criminal, malicious, or fraudulent acts, if the member(s) who suffered the fraud personally participated in, directed, or had knowledge of such acts. FINANCIAL LOSS - Membership services do not cover any financial losses attributed to the stolen identity event, including but not limited to, money stolen from a wallet or other monetary losses, unauthorized purchases of retail goods or services online, by phone, by mail or direct. BUSINESS - A covered stolen identity event does not include business losses, including but not limited to the theft or unauthorized or illegal use of the victim’s business name, DBA, or any other method of identifying the victim’s business activity. DORMANCY OR INACTIVITY - If the victim cannot or does not provide the items required to open a case, or having initiated restoration if the victim fails to respond to or cooperate in an activity facilitated for the purpose of ID restoration. INCURABLE – Because of the nature of the activity associated with identity theft, some issues cannot be resolved. For example, if a fraudulent act results in the victim’s name being improperly placed on a government agency’s restricted list (e.g., a “no-fly” list) IDShield cannot promise removal of the victim’s name. Legal services are not provided under ID theft restoration services. IDShield plan members should consult their individual plans to determine the availability of legal services.