Credit Bureau Monitoring & Alerts

Monitors members' Equifax® credit file every business day and alerts member of any changes. Members choose how to receive their alerts via email, text message, phone or U.S. mail. Alerts are sent when changes occur:

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• New accounts
• New inquiries
• Address changes
• New public records
• Account changes
• Public record changes

Subscribers to Sentinel Plus and Premium will receive monitoring and alerts from all three bureaus - Experian®, Equifax® and TransUnion®.

Internet Surveillance

Internet Surveillance helps reduce the risk of identity fraud by continuously searching the Internet with web crawling technology for evidence that registered credit card and bank accounts, and Social Security number are being sold or traded online by identity thieves. Members can register up to 10 major credit cards and bank accounts for monitoring.

Credit reports & scores

An easy-to-read, user-friendly format provided both online and offline. The online report offers consumers an interactive, html format supported by various financial tools. The offline version provides customers with a user-friendly profile and fulfillment kit. The online and offline channels are integrated, thus the customer is treated the same regardless of how they sign up for the product and can receive their benefits online or offline. Members receive their personal credit score using data from Equifax® with their initial Credit Report, including positive and negative factors that impact this score.

Public Record Report & Monitoring

Members receive a comprehensive report that utilizes certain public record data sources including, but not limited to, insurance companies, utility companies and government databases.

Public records are monitored on a bi-weekly basis. Members choose how to receive their alerts via email, text message, phone or U.S. mail. Notifications are sent when the following are detected:

• Address changes
• Phone number changes
• New bankruptcy filings
• New vehicle registrations
• New property record

ID Risk Assessment® & Monitoring

Assessment illustrates the risk that the member's identity has already been compromised based on an assessment of activity surrounding the member's identification elements such as DOB, SSN, address, and phone number. Activity is based on combinations of the customers' information, and does not require full match on exact name, DOB, SSN. When risk is determined to be "medium" or higher, the top 3 contributing factors are identified. Members will receive a six month history of applications for new credit and mobile phone accounts, changes of address for existing credit and mobile phone accounts, and other data sources as available.

The monitoring service alerts the member when someone uses his name or SSN to file applications with top credit card companies, wireless providers, and retailers. Applications are detected using the members SSN even if their name or address isn't used. Members choose how to receive their alerts via email, text message, phone, or U.S. mail. Members receive alerts for:

For additional information on how ITAC Sentinel can protect your members, click here

• New credit card applications
• New wireless service applications
• Address changes

Quarterly Credit Updates

Quarterly, Equifax® reports changes that were detected in its files. The member's credit files are monitored for updates from the credit reporting agency including: new accounts opened, new inquiries, and address changes, public records, collection accounts, negative information, balance increases greater than 20%, account status improvements, closed accounts, items removed, and credit limit increases. Members are notified of these changes via mail, or if they elected email delivery, they are sent an email and directed to our secure member site to view account status. A credit score derived from data from Equifax® is also included with the quarterly update so members can track their progress over time.

Subscribers to Sentinel Plus and Premium will receive quarterly credit and score updates from all three bureaus - Experian®, Equifax® and TransUnion®.

Identity Theft Insurance - Up to $20,000

With the rise of identity theft and credit fraud, Intersections recognized the opportunity to enhance our product set with Identity Theft Insurance. Underwritten by Travelers Casualty and Insurance Company, Identity Theft Insurance covers certain fraud related expenses such as:

• Lost wages as a result of time taken off from work to deal with the fraud (up to $500/wk) for a maximum of 4 weeks.
• Notary and certified mailing costs for completing and delivering fraud affidavits.
• Loan application fees for re-applying for loans, which were declined due to erroneous credit information as a result of identity theft.
• Long distance phone charges associated with re-establishing identity.
• Attorney fees incurred (with prior consent) for defending suits brought incorrectly by collection agencies due to identity theft.
• Covers expenses incurred in the United States and outside the United States.
• Member can choose their own attorney.
• Member is covered in the event that a family member is the one that commits the identity theft of that individual.

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.

ITAC Victim Assistance

Trained ITAC agents are available to help guide victims through the necessary steps of restoring their credit profile. ITAC speeds the recovery process and helps reduce the victim's losses.

• An ITAC agent walks the consumer through his or her credit report to find suspicious activity and notifies the affected creditors
• ITAC also places fraud alerts with the credit bureaus
• ITAC partners with law enforcement on strategic initiatives , and shares information with the Federal Trade Commission, the U.S. Postal Inspection Service and other agencies to catch and convict the criminals responsible for identity theft