Frequently Asked QuestionsGeneral IdentitySecure FAQs
Credit Reports and CreditXpert® Scores* FAQs
Credit Monitoring FAQs
Online Card and Document Registry FAQs
Credit Card Monitoring FAQs
SSN monitoring FAQs
Norton Internet Security Online FAQs
Fraud Assist Toolbox FAQs
General IdentitySecure FAQs
What is IdentitySecure?
IdentitySecure is a comprehensive, take-charge identity theft service in the marketplace today that addresses the most targeted areas such as fraudulent opening of new accounts and running up the balances of current accounts. This program protects members from these expensive misfortunes through monitoring, detecting, and alerting members to potential mistaken identity or fraud. Most importantly, IdentitySecure puts the tools in your hands to help prevent identity confusion and fraud BEFORE it happens. In addition, IdentitySecure is there to help take steps in restoring the damage that is caused by these crimes should they occur.
I'm already a member; how do I use my benefits?
Simply Sign In to start using your benefits.
Where can I find my membership number?
Your membership number can be found in your membership materials or in the "welcome email" that was sent to you after you enrolled in IdentitySecure. If you have not received this email, please call customer service to obtain your member number.
What is your policy regarding member privacy?
What forms of payment can I use to enroll in the service?
Visa, MasterCard, American Express and Discover/Novus cards.
Is there any obligation to continue beyond my trial period?
Absolutely not! You are not obligated to stay protected through IdentitySecure. Once a member, you can call to cancel and will not be billed for any additional months.
How do I contact customer service?
Call us toll free at 1-866-990-7328 or via email at email@example.com.
How secure and confidential is your website?
The IdentitySecure website runs on a highly secure web server farm. The advanced SSL connection scrambles or encrypts data on pages where secure information is transmitted, further safeguarding your information while it passes through cyberspace. We take two important measures to protect your information: 1) customer information is stored on a secure server that is firewall-protected and encrypted to block unauthorized third party access and 2) we restrict downloading of any data from our secure servers to unsecured locations, such as a laptop. Our site is also certified and regularly scanned by CyberTrust (www.cybertrust.com) and Trustwave (www.trustwave.com) to protect against hacker attacks for over 11,500 known website security vulnerabilities. All sensitive information is encrypted prior to storing it in our databases.
Where can I learn more about personal identity protection and how to prevent it?
The IdentitySecure's Education page contains information, useful links, and a quiz that will help you assess your risk level for identity theft. It's well worth a 5-minute visit.
How do I cancel my membership?
Contact customer service toll-free at 1-866-990-7328.
Credit Reports and CreditXpert® Scores* FAQs
How long does it take to receive my credit report?
After your identity is verified, you will receive your online credit report within seconds of requesting it.
As an IdentitySecure member, do I need to pay for my credit report each time I request it?
No. As a IdentitySecure member, you can request a new credit report at no additional charge.
Can you make corrections to my credit report?
No. Only the appropriate institution can change your records. However, IdentitySecure provides members with printable dispute forms as well as toll-free assistance in helping you to understand your reports.
Is my credit score available to me at any time?
Yes, you have secure access to your most recent credit score 24/7.
Where do you get the information for the comprehensive credit report?
The information in your credit report comes from the three national credit reporting agencies: Experian, TransUnion and Equifax. The information is merged into one easy-to-read report, which gives a complete picture of your credit history. All information is kept strictly confidential.
What information is included in my credit report?
Your credit report consists of four main categories of information:
- Personal information: Includes your name, current and previous addresses, social security number, telephone number, date of birth, and current and previous employers.
- Credit History: The majority of your credit report is comprised of information on credit accounts that were opened in your name. Details about these accounts, including the date the account was opened, the credit limit or amount of the loan, the payment terms, balance and a history of your payment records on each account is also included. Closed or inactive accounts, depending on the manner in which they were paid, stay on your report for 7-11 years from the date of their last activity.
- Credit Inquiries: Each time a third party, such as a creditor, potential lender, or insurer pulls your credit report, it is recorded on your file as a credit inquiry. Inquiries remain on your credit report for up to 2 years.
- Public Records: Public records obtained from government sources including bankruptcies, tax liens, collections and records of overdue child support are also recorded on your credit report. Public information stays on your credit report for up to 7 years.
How often should I check my credit report?
You should check your credit report on a regular basis. Your credit worthiness can have a significant impact on your financial future. With good credit, it is easier to take out loans, mortgages and auto leases and you are more likely to receive low-interest credit cards. Even if you do pay all of your bills on time, checking your credit report consistently may alert you of inaccuracies on your credit file, or of signs of potential Identity Theft.
Who can look at my credit report?
Anyone with a legitimate business need or a "permissible purpose" can gain access to your credit history. This includes potential lenders, doctors, landlords, utility companies, creditors, insurers, car dealers, lawyers and potential employers. Permissible Purpose is defined in section 604 of the Fair Credit Reporting Act (FCRA) which specifies who can access your credit report and why.
What is the difference between a single-bureau credit report and a triple-bureau credit report?
A single-bureau credit report provides information from only one of the three national credit reporting agencies, where as a triple-bureau credit report provides information as reported by all three national credit agencies (Experian, Equifax and TransUnion).
Do all three national credit reporting agencies have the same information on file?
The three national credit reporting agencies do not have the same information on file. While many creditors and lenders report information to all three agencies, some only report to one or may chose not to report to any. Therefore, each agency contains different records depending on who reported to them, and what was reported.
What is a credit inquiry?
When a third party looks at your credit information, this is called an inquiry and is recorded on your credit report. Credit inquiries are classified as either "hard" or "soft" depending on who looks at your credit information. A "hard" inquiry is generated when a potential creditor or lender checks your credit history for the purpose of lending you money. This type of inquiry can directly affect your credit score because if you have too many hard inquiries, a potential creditor may think you have asked for too many loans, and therefore would not be a good credit risk. Unlike hard inquiries, "soft" inquiries do not adversely affect your credit score, and occur when your credit is checked for other reasons, such as when you pull your own credit report.
Will ordering my credit report appear as an inquiry on my credit report?
No. When you pull your own credit report, it is considered a soft inquiry. Because soft inquiries cannot be seen by creditors, they will not adversely affect your credit rating and will not appear on your credit report.
Isn't everyone entitled to a free credit report annually?
Yes. Under the Fair and Accurate Credit Transactions Act (FACT ACT) consumers are entitled to access the information in their credit file from each of the three national credit reporting agencies once per year. For more information, please visit the FCRA page. To obtain your free annual credit report, go to www.annualcreditreport.com
Why is it important to check my information from all three national credit reporting agencies?
Because the three national credit reporting agencies are independent of one another and do not exchange information, one credit agency may have records about you that another does not. By checking your information from all three national credit reporting agencies, you can see precisely what others see when they inquire about your credit. In addition, you can ensure the accuracy of your credit records and avoid Identity Theft.
What is my credit score?
Your credit score is a numerical value that reflects your creditworthiness, or your ability to pay back a loan. Your score is calculated from the information on your credit report using a standard formula that analyzes your payment history, credit usage, length of credit history, bankruptcies, and more. The higher the credit score, the better. A low credit score may indicate to potential lenders that you are a bad credit risk and have trouble paying off debt, where as a higher score indicates that you handle your finances responsibly and can be trusted to pay back loans. Knowing your credit score allows you to improve your rating and obtain less costly loans.
IdentitySecure often delivers online credit reports in seconds. But there are instances when we are prohibited from doing so. These include:
- We are unable to verify your identity. Before receiving your credit report, you must complete an authentication process. If some or all of these verification questions are answered incorrectly, you will have the option of going through further verification over the phone with a trained representative from our Credit Information Hotline.
- The credit bureau does not have adequate information on file to compile a credit report. Individuals with little or no credit history will generally not be able to view a report.
- We are experiencing a temporary technical issue.
- One of the three credit bureaus is temporarily down.
Credit Monitoring FAQs
What is credit monitoring?
IdentitySecure Credit Monitoring continuously examines your accounts for changes made to your credit file including inquiries, derogatory information, accounts opened in your name, or changes to your public records. If certain changes have been detected, you will be sent an alert via email on a daily basis. We'll also send you an "all-clear" notification on a monthly or quarterly basis, if there are no changes to your credit record.
Online Card and Document Registry FAQs
How do I register my cards and other personal documents?
Simply click on the Member Benefits tab, then select Personal Data Protection, and click on the Take Me There button. You can select the Dashboard Wizard to input/update your information.
How often should I check my dashboard?
We suggest checking every two weeks - that's how frequently your DataSweep monitoring is updated. Remember, we'll notify you via email when activity is detected involving your Social Security Number and/or monitored credit cards and addresses, so you can check for possible identity theft.
Will I receive automatic emails?
Yes - we'll also alert you if matches to any monitored addresses, email addresses, or phone numbers are found, or if a user updates info on your account page.
How do I know all my information has been deleted?
Once logged in, you can check the status of your requests on your personalized Fraud Protection "Monitoring dashboard". The Monitoring dashboard tracks the current status of your request, as well as the final result of all actions.
How many databases can IdentitySecure access?
While it's impossible to monitor ALL online public databases, IdentitySecure accesses information from an ever-growing list of primary directories, including DexOnline, Directory Assistanceplus, Google Phone Search, Yahoo! Email Search, Yahoo! People Search, 411.com, Whitepages.com, and Addresses.com.
I removed my name from Google. Doesn't that remove it from other places?
Google contracts with a third-party provider for its white pages information. Deleting your name from the Google phone book makes it unavailable on Google only.
Can you delete former addresses?
Yes - if these addresses can be found in even ONE of the online directories we search, they can be monitored or deleted.
What kind of personal information is on the Internet and why should I be concerned?
Key information like home address, home phone, and email addresses can be used by crooks as the first step in committing identity theft.
I can't find my address, what am I doing wrong?
We verify and standardize addresses per United States Postal Service (USPS) format and database specifications. If the address you enter is a not a standard USPS address, the system will not find it. It's best to double-check your address and re-type the full address, possibly replacing 'St' with 'Street' or 'Cr.' with 'Circle'.
How do I delete my records?
If you mean deleting your own data within IdentitySecure, please click on the "delete" link next to the record. If you mean deleting records from online directories, each website has a different protocol for deleting records from their database. We can submit deletion requests on your behalf on some online directories, while other online directories may require several interactive steps from you in order to delete your records.
Credit Card Monitoring FAQs
Exactly where do you monitor my credit cards?
We search online databases of hacked cards, chat rooms and blogs for instances of credit cards being sold. We notify you via email if we find one of your monitored cards on the Web.
Will I receive automatic emails?
Yes - if activity is found on your monitored credit cards online.
How will using your service impact my using my credit cards?
IdentitySecure will not freeze your credit card, but we will notify you by email if we find one of your monitored cards compromised on the Web. We scour online databases of hacked cards, chat rooms, and blog sites for instances of credit cards being sold - yours in particular.
Isn't it dangerous to give you my credit card? Can you use it without my knowledge?
We only ask for the 16 digits - NOT the expiration date OR the security number on the back of the card. Without this information no one can use your card. We are simply monitoring for those 16 digits.
Why should I be concerned with my credit card numbers? No one has stolen those numbers.
Millions of credit card numbers are lost or stolen each year. Many of them are eventually sold or traded for criminal use. There are even websites and chat rooms devoted ONLY to this illegal activity. IdentitySecure provides automated online monitoring of several of your credit card numbers for their presence on the Internet. This monitoring is supplemented by human intelligence, so we make sure you're more protected than ever.
Do I have to worry about credit card numbers related to accounts that have already been closed?
No - a closed account is a dead account.
SSN Monitoring FAQs
What is Social Security Number Monitoring?
IdentitySecure scans online databases, chat rooms and blog sites for your Social Security number. Should your Social Security number be found on any of the sites which IdentitySecure is monitoring, you will be alerted via email.
Does SSN Monitoring tell me if someone has tried to use my Social Security number illicitly?
SSN Monitoring only indicates whether your Social Security number has appeared on one or more monitored websites. It does not identify whether a particular SSN has been bought or sold, or used for illegal purposes. However, if you have the Credit Security feature activated and someone tries to open an account using your SSN, you will be alerted.
Help! I am having trouble downloading and/or installing Norton Internet Security Online.
Should you encounter any problems while attempting to download or install your Norton security software, please call customer service at 1-866-990-7328.
What are the system requirements for Norton Internet Security Online?
Click here for a full list of system requirements.
How is IdentitySecure different from anti-virus software I can buy in the store?
IdentitySecure is more than just software! Our comprehensive service combines online security software (Virus Protection, Personal Firewall, Parental Control, and Spam Blocker) with PC Repair, Identity Fraud Insurance, as well as Resolution Services for protection AND peace of mind.
Plus, you get one-call convenience when you have questions. No other software today is backed by both a repair guarantee and Fraud Insurance Resolution Services!
In addition, IdentitySecure uses special "online" versions of software to deliver over the Web powerful anti-virus, anti-hacker, and system update tools to protect your PC both online and offline. Your PC gets updates and upgrades automatically whenever you connect to the Internet. This configuration also allows IdentitySecure to use reduced memory and hard drive space for better system performance.
Plus, unlike off-the-shelf software, IdentitySecure will automatically renew your coverage at the end of the membership term. That way, you're always up-to-date and won't risk lapses in your protection.
What are the key benefits of Norton Internet Security Online?
- Detects and removes viruses, Trojan horses, internet worms, and spyware.
- Protects against hackers.
- Blocks phishing attacks and protects identity data.
- Helps protect wireless networks.
- Filters email and controls confidential information with
- integrated antispam.
Does Norton Internet Security Online need to be activated?
Yes, activate your Norton software today. Your system is NOT protected until your security software is activated.
How do I activate my Norton Internet Security Online?
Step 1: Click on the Start My Download button under the Norton Internet Security Online benefit
Step 2: Follow the instructions to install and activate Norton Internet Security Online
Step 3:Always keep an active subscription. Once expired, software does not provide protection, and your system will be at risk. Your Norton Internet Security Online subcription will remain active unless you call and cancel your IdentitySecure membership.
Do you use a wireless network?
The wireless and home network security monitoring inNorton Internet Security Online:
- Automatically optimizes firewall protection settings when connecting to different types of wireless networks.
- Blocks unknown computers from connecting to your computer while using a public wireless network.
- Displays the security status of all Norton products on a home network.
- Alerts you when connecting to an unsecured wireless network.
I am concerned about performance impact. Will Norton slow down my computer?
Norton Internet Security 2009 is the fastest, lightest, and most up-to-the-minute Symantec security suite to date. It's been reengineered with over 100 performance enhancements to start, scan, and run faster than older versions without sacrificing security. Users will not notice a performance impact from this software. For example**:
- 7% faster boots
- 72% faster scans
- 54% user interface launch
- 19% less memory usage
- 53% faster downloads
- 69% faster Microsoft® Internet Explorer® launch
- 79% faster installation time
- 84% smaller installation size
- 76% fewer registry keys
What are the System requirements?
Microsoft® Windows Vista® Home Basic/Home Premium/Business/Ultimate**
Microsoft® Windows® XP with Service Pack 2 and later Home/Professional/ Media Center Edition
- 300 MHz or faster processor
- 256 MB of RAM (*512 MB RAM required for the Recovery Tool)
- 200 MB of available hard disk space
Support for AntiSpam feature
- Microsoft Outlook® 97 or later
- Microsoft Outlook Express 6.0 or later
- Microsoft Internet Explorer® 6.0 (32-bit only) and later
- Mozilla Firefox® 2.0 and later
Do I need to uninstall other virus protection and personal firewall software?
It is recommended that you uninstall any other anti-virus and personal firewall software package to avoid configuration conflicts.
To uninstall your current virus software package, do the following:
Step 1: Click Start > Settings > Control Panel.
Step 2: Double-click "Add/Remove Programs."
Step 3: Locate your anti-virus software in the list of installed software packages and double-click.
Step 4: Click the "Add/Remove" button.
Step 5: Follow the instructions on the screen to remove software from your computer. If you are prompted to remove shared files, be sure to remove all.
Why do I need Personal Firewall protection?
Viruses aren't the only dangers lurking in cyberspace. Any time you're online, hackers and criminals anywhere in the world can attack your PC through the Internet. Using malicious code, they can: \
- Penetrate your system
- Steal your private information
- Control your computer remotely
- Attack other systems from your PC
Once in control of your computer, a stranger can use it as a launching-pad for malicious attacks on others, such as the Distributed Denial of Service attacks that made headlines recently. When investigators track such attacks, they'll identify your PC as the source.
PCs that are connected to the Internet through high-speed, always-on connections such as cable modems or DSL connections are especially vulnerable to Internet attacks. Leaving your always-on Internet connection undefended is like going on vacation and leaving your front door wide open.
IdentitySecure Personal Firewall Software is an advanced, online security application that protects your PC from malicious intrusion.
What is IdentitySecure Virus Protection?
IdentitySecure software has built-in Virus Protection (anti-virus) with multiple scanning engines, which provide the best protection for your PC against viruses. With its virus detection technology combined with a fast and automated updating mechanism, your PC will be protected within a few hours after a new virus has been found in the world.
What does IdentitySecure Personal Firewall mean and what is a firewall?
IdentitySecure software has a built-in firewall (Personal Firewall) that will protect you from other users trying to intrude on your workstation, and prevent hacking by denying port scans on your computer. The difference between IdentitySecure Personal Firewall and a traditional firewall is that the traditional firewall protects the whole network from outside attacks, whereas the IdentitySecure Personal Firewall protects individual computers inbound/outbound connections from/to unknown sources and has an advanced intrusion detection system.
I work in a large corporation. Will IdentitySecure protect me?
No, most likely your company already has software in place to protect you. IdentitySecure software is designed for stand-alone PCs. If your company uses a LAN (or Local Area Network) connection, then IdentitySecure may interfere with your company's anti-virus protection.
Does IdentitySecure cover my spouse and/or other household members? Does PC IdentitySecure cover more than one computer?
The software portion of IdentitySecure protects one computer per membership, regardless of how many people use that computer. The anti-virus and the personal firewall software are always working in the background regardless of who is signed on. However, the ID Fraud Insurance and protection benefits cover only the person in whose name the product is registered. (We do cover joint accounts if the identity of the joint account holder is stolen.)
Does IdentitySecure software work with 3rd party anti-virus or firewall software?
No. You must remove any other anti-virus or firewall software before installing IdentitySecure software. There is no real benefit to run any other anti-virus software, since IdentitySecure software includes multiple scanning engines that work in unison to provide you with the latest active heuristic scanning and disinfection engine.This includes Windows Firewall and security center settings in some cases, they should be disabled if you plan to use the IdentitySecure service as your firewall and antivirus service.
Additionally routers and wireless routers may have a firewall built into them which may require disabling to avoid configuration conflicts.
Is the software really updated automatically?
Yes. The IdentitySecure software is developed for this demand and we can guarantee that the update process is automatic and transparent. However, you need to have a valid connection so the IdentitySecure software can connect to the update server via the Internet.
Can I give a copy of the software to a friend? No. The IdentitySecure software server will detect that two different users are using the same Registration Key and will disable your installation if your friend installs it. Distributing IdentitySecure Service without permission is against copyright laws.
Is IdentitySecure available for Apple Macintosh o/s?
No. IdentitySecure is available Only for Microsoft Windows (workstation) operating systems.
I live in Canada, can I use IdentitySecure?
Unfortunately, IdentitySecure is only available in the U.S
I have received an e-mail about a new virus. The message says that the virus is really dangerous. What can I do?
Most likely you have received a chain letter that spreads information about a non-existent virus, or a hoax.
What is spyware?
Spyware is software that can record and send through Internet your keystrokes, history, passwords, and other confidential and private information. Spyware is often sold as a spouse monitor, child monitor, a surveillance tool or simply as a tool to spy on users to gain unauthorized access.
How to protect against spyware?
IdentitySecure Anti-Virus Services have real-time spyware scanning enabled by default. You may also run a manual scan for viruses and spyware.
I am experiencing technical difficulties with IdentitySecure Service, how can I proceed?
The best point of contact is our technical FAQ pages you are currently reading.
100 Connecticut Avenue
Norwalk, CT 06850
Fraud Assist Toolbox FAQs
How can the Fraud Assist Toolbox help you?
The Fraud Assist Toolbox is a convenient, online tool that helps streamline the identity theft recovery process. Simply select the type of problem you are facing and the guide will provide step-by-step instructions for resolving your issue. By coaching you through the recovery process, and sending you reminder emails when you need to follow up, the Fraud Assist Toolbox can dramatically reduce the time, and emotional stress of recovering from identity fraud.
How does the Fraud Assist Toolbox work?
It is simple:
- All we need is your email address to get started.
- Then you are guided through the process of protecting your identity in a few simple steps.
- We remind you when to come back by sending you email reminders so you'll have help remembering what or when the next step is.
- Your History is saved - the program remembers all the tasks you have performed and the dates, which you can view at any time.
- Most importantly, it helps you through the resolution process if your identity is stolen.
If you have a question at any point in the process, you can email or call for help.