Identity Theft Ilock

Elite Plan Feature Descriptions

Bank Account Takeover & Credit Card Application Monitoring

Change of Address Monitoring

Sex Offender Alerts

Social Media Monitoring

Payday Loan Monitoring

Solicitation Reduction

Scours Internet properties, including the dark web, websites, blogs, bulletin boards, peer-to-peer sharing networks and chat rooms to identify the illegal trading and selling of a subscriber’s personal information.

Notifies subscribers when their Social Security number and personal information have been used to apply for or open a new bank or credit card account; or if changes have been made to their existing bank account.

Reports if a subscriber’s mail has been redirected through the U.S. Postal Service.

Provides a report of all registered sex offenders living within the subscriber’s immediate area, and notifies them when a new sex offender has been added.

Notifies the subscriber of privacy or reputational risks with the content they are sharing on social media. Enrolled subscribers can also monitor their child’s social media presence.

Monitors transactional data from payday and quick cash loan providers to help subscribers deter- mine if fraudulent activity has occurred. Alerts subscribers if a noncredit loan has been opened using an element of their identity.

Provides the subscriber with the ability to limit access to the amount of personal information that is public to reduce their exposure to fraud and declutter their mailbox and phone line. This service allows the subscriber to opt-out of direct marketing campaigns including utilizing the National Do Not Call Registry.

Offers up to $1M reimbursement with $0 deductible, for expenses associated with the subscriber’s identity theft recovery. Covers costs including:

• Lost wages or income

$1M Identity Theft Insurance

• Attorney and legal fees

• Expenses incurred for refiling of loans, grants and other lines of credit

• Costs of childcare and/or elderly care incurred as a result of identity restoration

Full Restoration & Lost Wallet Protection

Court/Criminal Records

Daily Monitoring of Experian Credit Bureau

Daily Monitoring of all 3 Credit Bureaus

Gives the subscriber access to a U.S. based certified Identity Restoration Specialist to assist the subscriber in restoring their identity. Assists in quickly and effectively terminating and re-ordering wallet contents. Users are not required to pre-register wallet contents before using this service.

Tracks municipal court systems and notifies the subscriber if a criminal act has been committed under their name, including bookings data from law enforcement agencies to find any criminal offenses under the subscriber’s name and date of birth.

Provides the subscriber with notifications for changes in a credit report such as loan data, inquiries, new accounts, judgments, liens and more.

Provides higher-level protection with monitoring from all three credit bureaus: Experian, Equifax & TransUnion. Provides the subscriber with notifications for changes in a credit report such as loan data, inquiries, new accounts, judgments, liens and more.

ScoreTracker Subscribers receive a monthly report that provides relevant information to help them understand how their credit score has trended over time and what is impacting it with credit score insight.

3-Bureau Credit Score

3-Bureau Credit Report

Provides the subscriber with access to their credit score reported by each credit bureauExperian, Equifax & TransUnion. Credit score is reported once a year.

Provides the subscriber with access to their credit report as recorded with each credit bureau - Experian, Equifax & TransUnion. This service is available once per year.

Medical ID Monitoring Monitors the subscriber’s medical ID’s using CyberAlert®. If a Medical ID number is found com- promised, the subscriber has access to a Restoration Specialist who will make contact with the healthcare provider where the compromised account is located and report it as fraud.

Experian Positive Activity Notifications

Experian Score Variance Alerts

Social Security Number Trace (Child)

Provides alerts when positive activity affects an Experian credit file. The service triggers on positive credit improvements such as paid collection accounts, closed accounts by the customer, and public records (liens released/civil action satisfied).

Provides alerts when a subscriber’s member benefit Experian credit score increases or decreases by a certain amount, changes risk level/score rank, or reaches a target score value.

Provides the subscriber with a report of all names and aliases associated with their child’s Social Security number, and notifies them if a new one is added.