Features

FeatureDescription Bronze Silver Gold
Fully Managed Recovery ServiceCapstone identity recovery specialists will do the painstaking recovery work on your behalf and will keep you informed along the way.
24/7/365 Identity Theft Resolution Specialists24/7 certified identity theft Resolution Specialists and online resources educate you on how identity theft occurs and provide tips to help you keep your identity safe. Our Resolution Specialists are both FCRA and CITRMS® certified, and our team has received multiple customer service industry awards.
Spanish & French SupportReceive 24/7 access to native English, Spanish, and French speakers via our US-based in-house Resolution specialists.
ID Theft Affidavit Assistance and SubmissionIf your identity has been compromised, we'll provide you with a pre-populated identity theft affidavit to dispute any fraudulent claims or activity. After assisting with its completion, we will then submit the affidavit to the appropriate authorities, credit bureaus, and creditors on your behalf.
Credit Notification, Dispute and Follow-upWe'll contact your creditors' fraud departments with separate itemized account statements to dispute each fraudulent occurrence on your behalf. We'll also continue to follow up with creditors until each matter has been properly handled, all while keeping you notified throughout the entire process with status reports.
Inform Police / Legal AuthoritiesWe'll assist you in reporting any fraudulent activity to 
the local authorities and will also forward reports to creditors. Note: A
 member has to be the one who actually reports identity theft incidents 
to the police; we help them locate a police station nearby and guide 
them through the process.
Credit Freeze AssistanceShould you need to block any suspicious activity occurring on your credit file, we'll help you work with the major credit bureaus to place a freeze on your credit records.
Lost Wallet AssistanceWe'll assist you with notifying the appropriate bank or issuing authority to cancel and replace stolen or missing items, such as your debit/credit card, driver's license, Social Security card, or passport.
Medical Identity Theft AssistanceIf your identity is fraudulently used to obtain medical services and treatment, we'll work with your healthcare providers and insurers to resolve the issues, ensuring that your claims and medical records are corrected.
Emergency Cash Advance and Travel ArrangementsIf you experience identity theft while traveling more than 100 miles away from home, we'll assist with making emergency travel arrangements, including airfare, hotel, and car rental reservations.
$1 Million Identity Theft Insurance - Recovery Expenses*Can reimburse Members for covered out-of-pocket expenses related to the recovery process and professional service fees associated with identity restoration and creditor resolution up to $1 Million dollars per 12-month period
$1 Million Identity Theft Insurance - Cash Recovery*The Unauthorized Electronic Fund Transfer Reimbursement can reimburse Members for unauthorized electronic funds removed and unrecoverable from their checking/savings accounts, investment accounts, and Healthcare Spending/Savings Accounts (HSA) up to $1 Million dollars per 12-month period.
ScamAssist®Distinctive scam analysis tool and 24/7 service that helps your customers avoid falling for scams of all kinds.
Email Health CheckInteractive tool that allows you to enter your email address and immediately view detailed information that shows if your email has been breached, where, what information was found, and provides related information to help you know what to do next.
$2 Million Identity Theft Insurance - Recovery Expenses and Cash Recovery*Plans include up to $1 Million and up to $2 Million in Identity Fraud Expense Reimbursement for covered expenses, the Travel Fraud, and Cyber Extortion, and up to $1 Million in Cash Recovery for unauthorized electronic fund transfers from Checking & Savings Accounts or Investment/Health Savings Accounts. The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the Summary of Benefits for terms, conditions, and exclusions of coverage.
$2 Million Identity Theft Insurance - Recovery Expenses and Cash Recovery*Plans include up to $1 Million and up to $2 Million in Identity Fraud Expense Reimbursement for covered expenses, the Travel Fraud, and Cyber Extortion, and up to $1 Million in Cash Recovery for unauthorized electronic fund transfers from Checking & Savings Accounts or Investment/Health Savings Accounts. The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the Summary of Benefits for terms, conditions, and exclusions of coverage.

Identity and Credit Monitoring Services

FeatureDescription Bronze Silver Gold
Home Title Monitoring and AlertsReceive 24/7 online access to your credit report and credit score from all three major credit bureaus - TransUnion, Experian, and Equifax - to view the factors that affect your credit score and ensure your credit history is accurate.
Identity Monitoring: Internet Black Market SurveillanceDigital security experts scour the deepest corners of the Internet, searching for compromised credentials and potentially damaging use of personal information to help detect fraud at its inception, allowing users to be warned so they take immediate action.
Identity Monitoring: High Risk TransactionsReal-time alerts of transactions that involve verification of customer identities across thousands of the United States' largest companies, stopping account takeover attempts.
Real-time Email and SMS AlertsReceive an alert via email, SMS, or in the online dashboard if pieces of your identity are detected under suspicious circumstances. Some features require member enrollment within their portal.
Monthly Risk / All Clear EmailMonthly communications to keep you abreast of common identity-related threats as well as the services & protections you can take advantage of in your identity theft protection program.
Credit Monitoring AlertsReceive an alert if any changes to your credit profile are detected, such as new credit inquiries, an address change, or a new credit account opened in your name.
Telco/Utility AlertsMonitors a consumer's credit report and provides near real-time alerts when a telecommunication or utility company makes an inquiry on their Equifax credit file.
1 Bureau Credit MonitoringEnroll in credit monitoring to receive alerts of changes to your credit profile at one major credit bureau that could indicate potential fraud so you can take immediate action to minimize damage.
1 Bureau Credit Report and ScoreReceive 24/7 online access to your credit report and credit score from a major credit bureau - to view the factors that affect your credit score and ensure your credit history is accurate.
1 Bureau Monthly Credit Refresh and TrackingEquifax credit score and report updated monthly via the online portal. Includes credit activity tracking so customers can see changes in their credit score over time.
3 Bureau Credit MonitoringEnroll in credit monitoring to receive alerts of changes to your credit profile at Equifax, Experian, and TransUnion that could indicate potential fraud so you can take immediate action to minimize damage.
3 Bureau Credit Report and ScoreReceive 24/7 online access to your credit report and credit score from all three major credit bureaus - TransUnion, Experian, and Equifax - to view the factors that affect your credit score and ensure your credit history is accurate.
Capstone ID Theft Protection

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