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Home > Identity Theft...
 Identity Theft Protection
Through a partnership with Identity Fraud, Inc. (IFI), Kirtland Federal Credit Union offers a comprehensive suite of protection products that may include VRS Elite identity theft resolution, identity insurance, prevention tools, and education that will help you minimize your risk of becoming a victim. Since not all identity protection is created equal, you should consider the programs we have selected. (For a comparison, click here)
To best protect your identity, you should:
- Review your credit reports (free!)
- Place a fraud alert on your credit bureau files if you feel information has been exposed
- Adopt daily practices like shredding documents, staying aware of the latest scams, protecting your home computer, etc.
- Secure identity protection before you become a victim
- Click here for more ideas on protecting your identity
Because no one can guarantee that you won t become a victim, having identity protection is a smart choice. After all, your identity is an asset that deserves special protection. You should protect your identity just like you protect your home, autos, and other valuable assets against loss. Consider the following:
Identity Protection Plan (the best foundation of protection everyone should consider)
Limit your exposure and get quick victim resolution with this best-in-class plan, featuring VRS Elite Unlimited Victim Resolution Services, broad identity insurance at $25,000 per person ($0 deductible), the IFI Loss Prevention Guide, access to discounts on products like Credit Monitoring (see below), and more. At just $24.95 for individuals or $44.95 for your family, the Identity Protection Plan is worth every cent.
Credit Watch Gold Triple Bureau Monitoring (IFI Enhanced)
Monitor all three main credit bureaus (Equifax, Experian, and TransUnion) and receive alerts when there are changes. Includes a triple-bureau 3-in-1 credit report, unlimited Equifax credit reports, VRS Elite Unlimited Victim Resolution Services, $25,000 of IFI s broad identity insurance, and more.
Credit Watch Silver Single Bureau Monitoring (IFI Enhanced)
Monitor your Equifax credit report and receive alerts when there are changes. Includes 24/7 limited victim assistance and $5,000 of IFI s broad identity insurance.
3-in-1 Credit Report
Obtain your credit information from the three main credit agencies in one easy, consolidated report.
Score Power
Get easy access to your Equifax credit profile and your FICO credit score, online.
20% Discount on ID Theft Protection products & services for 1- and 2-Star Members of the Member Rewards. Program! Call us at (505) 254-4369 for your special Promotion Code!
For additional information and details about the services mentioned above, visit Identity Fraud, Inc. online, or call 1.866.4ID.FRAUD (1.866.443.3728).
There are a variety of identity protection products on the market; most include some level of victim resolution, identity insurance, and credit report access or monitoring. We selected Identity Fraud, Inc. products and services because they are considered best-in-class and they offer you the flexibility to build your own protection, starting with the Identity Protection Plan as the essential foundation.
The IFI Identity Protection Plan is considered best-in-class because the VRS Elite fraud resolution services are Unlimited, providing complete beginning-to-end fraud resolution services, no matter if the identity theft is simple or complex. A personal VRS Specialist is assigned to you and will work with you until your case is resolved. Also, not all identity insurance is created equal. The IFI identity insurance is better than other identity insurance, as noted in the chart below.
Identity Protection Products |
Other Products |
IFI Identity Protection Plan |
Annual Cost - Individual |
$129.00 |
$24.95 |
Annual Cost Family |
n/a |
$44.95 |
Victim Resolution |
Limited |
Unlimited |
Identity Insurance* |
Standard |
Broad |
Credit Monitoring
(some have single bureau, some have triple-bureau) |
Included |
Optional |
Discounted Products - |
n/a |
yes |
Triple-Bureau Credit Monitoring (Individual) |
n/a |
$99.95 |
Single-Bureau Credit Monitoring (Individual) |
n/a |
$44.95 |
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|
|
*Identity Insurance |
Other Products |
Identity Protection Plan |
Coverage Form |
Standard |
Broad |
Insurer Rating |
A (usually) |
A-rated |
Insured(s) Individual or Family
i.e. Member Enrollees |
Individual |
Optional |
Limits of Coverage (Per person) |
$5-25,000 |
$25,000 |
Deductible |
$0 |
$0 |
Expense Reimbursement includes: |
|
|
Attorney Fees
|
Yes |
Yes |
Lost Wages
|
$500 wk / $2,000 max |
$1,000 wk / $10,000 max |
Communications (mail, telephone, fax, etc.)
|
Yes |
Yes |
Personal Records
|
Credit reports |
Credit reports, DMV, MIB, Criminal Background |
Personal Records Monitoring
|
N/A |
Triple-Bureau Monitoring
MyFico Monitoring
(Annual) |
Travel
|
N/A |
Yes |
Personal Account Protection (PAP)
|
N/A |
$5,000 |
Notice of Loss Provision (Incident Reporting) |
Must be made within
6 months from the date of incident |
Unlimited no time limit
after the incident
(must maintain protection) |
Coverage for Criminal ID Theft |
No |
Yes |
Coverage for ID Theft by Family Member(s) |
No |
Yes |
The above comparison is a summary only. For actual terms and conditions, please review product information closely. You may view details on the Identity Protection Plan at http://www.identityfraud.com/kirtlandfcu.
Lost or Stolen ATM, Debit, or Credit Cards
IMPORTANT: Click here if your KFCU ATM, Debit, or Credit Card has been lost or stolen.
If unauthorized transactions have been charged to your Kirtland Federal Credit Union ATM, Debit, or Credit Card, please come by any of our branch locations to fill out a dispute form and Affidavit of Fraudulent Use of Credit / Debit Card. This will enable KFCU to quickly process your dispute and arrange for provisional credit.
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