Credit monitoring includes monitoring of changes reported to all three national credit bureaus (Experian, Equifax and TransUnion). Changes monitored include personal information, public records, inquiries, new account openings, and existing accounts reported past due.
In some cases, the credit-reporting agency may commit errors on your credit file and the incorrect information may trigger a notification. Nevertheless, if you see a credit notification that is not accurate, please contact customer support.
Credit bureau notifications are generated through consistent monitoring, and are distributed multiple times a day. A credit bureau file is monitored daily and any notifications triggered because of new inquiries and/or adjustments made to a credit file are sent to you via email.
In some cases, the credit-reporting agency may commit errors on your report — the incorrect information may simply be a mistake. However, an error on your credit report could indicate that an identity theft event has occurred. If you see incorrect information on your credit report, please contact our customer support.
Each credit-reporting agency generates a score derived from what is reported about you. A creditor may report to one, two, or all three of the national credit bureaus. As a result, the information one credit bureau has may be different than another, resulting in a different credit score.
Your credit report includes data beginning from the date your credit file was first established. This could span more than 25 years.
Every reported item on your credit report is used to calculate your credit score. If your score has changed significantly since the last month, it may be due to the fact that an account was not reported for the month or an item has been added to or removed from your report. Drastic changes in account balances and opening new lines of credit could also significantly impact your score.
Enter your Member ID number as it appears on your health insurance card.
This data comes from Internet forums and websites, web pages, IRC channels, refined PII search engine queries, Twitter feeds, P2P sources, hidden, and anonymous web services, malware samples, botnets, and torrent sources.
Your Eagle Eye™ service tracks Internet activity for signs that the personal information you’ve asked us to monitor is being traded and/or sold online. This notification means that our surveillance technology has discovered information on the Internet that is a match to your monitored identity elements.
Even if only some of your personal information has been detected by Eagle Eye™, it is recommended that you contact the appropriate institution to have your account information changed, or change your account information yourself if possible – similar to the way you would with your password to email account password.
It is safe to assume that if some of your information is compromised, all of it is. You may also want to review a copy of your credit report to ensure that all of the information that appears there is familiar to you.
This activity is illegal in the United States, but other countries do not necessarily have the same laws as related to cybercrime. United States regulatory agencies have no jurisdiction to prosecute fraudsters acting on websites and chat rooms located in other countries.
Patriotic ID dramatically reduces your risk of identity theft by letting you know sooner if your personal information is compromised, and in turn enabling prevention or quick resolution of an identity theft incident. In addition, with Patriotic ID, you also have identity protection insurance and recovery services to help alleviate some of the financial burden of identity theft and guide you through the often confusing and difficult process. Unfortunately, no identity protection tool can prevent identity theft altogether.
Your personal information is monitored daily against activity from a comprehensive, cross-industry database. The service has access to thousands of financial institutions across all 50 states which includes national and regional banks and credit unions.
This service monitors your name and Social Security Number, and will notify you daily if unusual or high-risk activity is detected. If detected, you will receive the following notifications:
- Bank Account Application Notification – If your personal information has been used to apply for a new bank account
- Bank Account Opening Notification – If your personal information has been used to open a new bank account
- Bank Account Takeover Notification – If changes have been made to your existing bank account, including changes to account contact information or attempts to add new account holders
- Credit Card Application Notification – If your personal information has been used to apply for a new credit card account
- Credit Card Opening Notification – If your personal information has been used to open a new credit card account
Notifications are delivered within seconds of a transaction, allowing you to determine if a fraudulent event occurred so that you can take action immediately. You will receive an alert if your personal information is used for new applications or identity authorizations/validations.
No. In addition to receiving notifications for complete transactions, this service will also alert you to initiated transactions. For instance, if a fraudster initiates a transaction and later abandons the transaction, you will still receive a notification.
No, only one account per network can be monitored at this time.
You will receive a notification within 24 to 48 hours.
This service monitors your child’s personal information for activity on the dark web, including Internet sites, chat rooms, forums and more. If we find your child’s personal information being traded and/or sold online, we will notify you. We also monitor your child’s SSN to identify credit information associated with your child’s identity.
We monitor your child’s personal information to identify activity on the dark web and to spot credit information associated with your child’s identity. This notification means that a match to your child’s monitored information has been found. Review the notification to determine if your child’s identity may be at risk. For more information and guidance, contact an identity restoration specialist.
It is safe to assume that if some of your child’s information is compromised, all of it is. You should contact an identity restoration specialist to determine if an identity theft event has occurred.
If your child’s notification contains names and/or addresses that you do not recognize, this could be an error in credit header information or indication of identity theft. For more information and guidance, contact an identity restoration specialist.
If your report contains names and/or addresses that are not familiar to you, there is probably an error in credit header data — the identifying information that accompanies your credit reports, including information such as name, current and prior address, phone number, date of birth, and SSN. However, this could be an indication of identity theft. If you see unfamiliar information in your Social Security Number Trace report, please contact customer support.
It is not uncommon for address history dating back more than five years to contain errors. However, if the incorrect address is more recent, please contact customer support.
It’s not uncommon to see alternate names on your report due to marriage, joint credit accounts, and nicknames you may have used. However, if you are concerned, please contact customer support.
Your first Social Security Number Trace report looks at data beginning from the date your SSN first became associated with credit header data. This could be as early as when you were born and issued an SSN.
Change of Address Monitoring report only changes in address that have been processed through the United States Postal Service (USPS). Change of Address Monitoring does not track UPS or FedEx-only addresses or private mailboxes.
The USPS can take up to two weeks after the “effective date” to publish the address change. You will receive a notification once the change has been published.
If your report contains an address that is not familiar to you, there is probably an error in public records information. However, this could be an indication of identity theft. If you see unfamiliar information in Change of Address Monitoring, please contact customer support.
Your first report includes data from the past three months, including the current month.
As specialists, we’ll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may assist you with the following activities:
- Contact your issuer or banking institution
- Review your credit report for indications of identity theft
- Place a fraud alert or security freeze with the three credit bureaus
No, our Specialists will assist in contacting your bank or creditor to cancel your lost or stolen cards. These entities will be able to locate your account by verifying other forms of personal identifying information.
No. Never. Absolutely not.