DEDICATED TO YOUR SAFETY
Our Kroll advisors are focused on protecting you. We’re available to provide you with a complete picture of identity theft, walk you through all the steps you can take to protect yourself and answer any questions. We’re here to help, no matter what.
MONITOR MORE OF WHAT MATTERS
We monitor your identity from every angle, not just your Social Security number, credit cards and bank accounts. We watch over everything connected to you, including your passport, email, phone numbers, driver’s license number, medical IDs and more. If any change in your status occurs, you will receive an email update immediately.
COMPLETE IDENTITY RESTORATION
Kroll is committed to providing complete identity restoration for its members. If a compromise occurs, you will work with an Kroll licensed private investigator who will immediately begin restoring your identity to exactly the way it was.
JUST THE FACTS
I placed a fraud alert for myself. Does that cover my spouse as well?
No. A separate fraud alert must be placed for your spouse. You each have a unique Social Security number and your own file at the credit reporting agencies. Even though you may have the same credit accounts, you each need to review and protect your reports. One of you could become a victim of identity theft without the other becoming a victim.
Someone used my Social Security number to open a credit card account. Can I get a new social security number?
It’s unlikely the Social Security Administration will issue a new number for limited identity theft. In fact, it would probably create a new set of problems for you. Remember that your Social Security number is connected to your employment, tax, education and medical records. Seeking a new Social Security number is only considered in extreme situations.
There is an account on my credit report that I did not open. Doesn’t that confirm that I’m a victim of identity theft?
No. Many reports contain errors. If you find an account on your credit report you don’t recognize, call that creditor and ask them to tell you whether there is an account that was opened with the use of your personal identifying information, particularly, your Social Security number.
Do I need to protect my identity if my credit is bad?
Yes. Someone can still try to get credit. Even if they don’t succeed, the inquiry generated by their attempt will appear on your credit report. That activity can negatively affect your credit score. Keep in mind that identity theft is not limited to credit. Someone can misuse your driver’s license number, make counterfeit checks using your personal identifying information or give your name and other identifiers to the police if they’re arrested. These activities and others have nothing to do with your credit history.
I placed a fraud alert. Does that mean no one can see my credit report?
No. The fraud alert is not seen until a potential creditor pulls your credit report, which generates an inquiry. A credit or security freeze prevents unauthorized access to your credit report.
Should I check my bank and credit card accounts even if I haven’t used them in the last month?
Yes. Be certain you receive a monthly statement and review it even when you haven’t initiated any transactions. If a thief has accessed an account that belongs to you, the monthly statement will alert you. It’s your responsibility to inform your bank or credit card company that fraudulent activity is taking place. If a statement doesn’t arrive, call the issuer and determine if someone has changed the address on your account.
Can I place a fraud alert or credit freeze for my child when they turn 18?
No. These tasks can’t be completed unless the individual requesting the alert or freeze has a credit file. Consumers don’t automatically have credit files at age 18. Credit files are created when credit is established with a creditor that reports to a credit bureau.
Does identity theft mean credit card fraud?
Identity theft is much more than credit card fraud. It’s the fraudulent use of personally identifiable information (PII) by a thief for the purpose of obtaining goods, services, and/or employment, committing a crime, gaining a benefit or hiding a real identity. It can include a consumer’s name, Social Security number, date of birth, address, driver’s license number, telephone number, passport information, birth certificate information, student transcript data and medical record information.
What is a fraud security alert?
It’s a statement on your credit report indicating that you’re vulnerable to becoming a victim or have been a victim of identity theft. It asks a credit reviewer to take reasonable extra steps to verify the identity of the applicant, reducing the chance a thief will succeed in opening new accounts.
Getting Your Free Credit Report
Every American is entitled to their free copy of credit report after every 12 months. You can order your free copy from annualcreditreport.com, the only legitimate website that can provide credit report. You can also call 1-877-322-8228.
Depending on your plan, you will receive services of a licensed private investigator. The professional can serve in business and emergency hours.
Here are some of the services they can offer:
- Educating about what identity scams and schemes are
- Reading and understanding credit report
- Cancelling credit card junk mail
- Informing how to prevent medical and criminal identity theft
- Educating on the subject of minor and deceased identity fraud and theft
- Providing details about credit freezing
- Educating on the subject of sex offender searches
- Providing necessary details to immediately alert credit reporting agency
- Providing information about SSN Skip Trace fraud detection
I tried to get my free annual credit report on the Internet but they tried to charge me. Why?
Make sure you are using the correct website for accessing the free annual disclosures you’re entitled to by federal law: www.annualcreditreport.com. If you’re using that site, you could be charged if you asked for your credit score or a report that you already obtained in the last 12 months. Your credit score is not included with the free report. The credit bureaus are allowed to charge for your score. Also, the federal law states you are entitled to one free report from Equifax, Experian and TransUnion one time every 12 months. Any subsequent reports will carry a fee.
What other benefits does my Kroll membership include?
Your Kroll membership plan also provides you with discounts from more than 20 partner businesses, such as 1-800-Flowers, Dell, HP, Office Depot, Enterprise/National, Men’s Wearhouse, K&G Fashion Superstore, AT&T, Sprint, T-Mobile, Six Flags and other great retail partners. Log in to your member portal for complete details and specific offers.
How is a credit score different from a credit report?
Your credit score is a numerical representation of the history of credit use found in your credit report. Your credit report lists the details of your credit history, which can include creditor names, addresses, loan amounts, credit limits, payments made on time or past due, and amount of monthly payments.
How do I sign up for Kroll if I do not have an established credit history?
You must submit a written document to confirm your identity. This is common among young adults and the elderly who do not have established credit. You will receive a prompt after you’ve signed up on how to begin the validation process. It’s an extra step that helps ensure your safety.
How does monitoring protect me from identity theft?
Credit report monitoring does not prevent identity theft. However, it’s a tool that can alert you to activity that may indicate identity theft is being attempted or has taken place. If you learn someone used your data to apply for credit, you’ll take steps to prevent future misuse of your data.
How do I prove I’m an identity theft victim?
Sometimes a consumer may think identity theft has occurred when it actually may not have. If there is an account on your credit report that you did not authorize, it could be there because an identity thief used your information to create an account. Or it could simply be the result of a credit reporting error. If you can confirm that some key piece of your identification, such as a Social Security number was used to do something like opening a credit card account, obtaining a loan or obtaining health care, that proves you’re a victim of identity theft. Kroll members have unlimited consultation with Kroll Licensed Private Investigators if they have any questions or concerns regarding the status of their identity.
What’s the difference between a soft inquiry and a hard inquiry?
Soft inquiries do not affect your credit score and can include pre-approved offers of credit and insurance, employer background checks, in addition to checking your own credit. Hard Inquiries are made by an entity checking your credit, for instance, when you’ve applied for a credit card, loan or mortgage. Numerous frequent hard inquiries can lower your score.
What is an identity theft report?
It’s the report filed with a law enforcement agency that details what the identity theft victim reported to that agency. What type of identity theft took place? And what entities were involved? Combined with proof of the victim’s identity and residence address, an identity theft report proves that the person providing the report is an actual victim of identity theft and not an identity thief. It can also be provided to credit reporting agencies for putting extended fraud alerts in place.
How can I improve my credit score?
Focus on paying your bills in a timely way by paying down any outstanding balances and staying away from new debt. Be patient, improving a credit score takes time. There are so many factors, it’s hard to say how long it will take to improve a credit score.
Why do I get different scores from different credit score sources?
Although most credit reports contain the same information, there is a chance that one credit report might have data that a different credit-reporting agency doesn’t have. If you get credit scores that are each based on a different credit report, you could see different credit scores.
Get advice from an Kroll Licensed Private Investigator during normal business hours or get assistance in an emergency 24/7/365.
- How to identify scams & schemes
- How to read your credit report
- How to stop credit card junk mail
- Medical & criminal ID fraud/theft
- Minor & deceased ID fraud/theft
- Making financial transactions
- Shopping online
- Communicating online
- Using your SSN
- Lost or stolen wallet
- Credit freezes
- Sex offender searches
- Alerting credit reporting agencies
- SSN Skip Trace fraud detection
GET ALERT INFO
- Current ID theft & fraud issues
- Monthly ID theft news updates
- Data breaches
- Dashboard alerts
Monitoring Your Security and Providing Timely Alerts
When it comes to identity theft, prevention is surely better than cure. We can help you take appropriate measures before it’s too late.
Our Services Include Monitoring Your;
- Social security number
- Date of Birth
- Mailing Address
- Driver’s License
- Passport Number
- 10 Credit Card Numbers
- 10 Bank Account Numbers
- 10 Email Addresses
- 10 Phone Numbers
- 10 Medical Identification Numbers
MONITOR YOUR CREDIT
With Kroll, view your credit any time without affecting your score, report, or inquiry records.
TRACK YOUR CREDIT SCORE
With Kroll, view quarterly credit score updates, track changes, and see what factors can affect your score.
PAYDAY LOAN MONITOR
We monitor your personal information to determine if it’s been used to apply for/obtain a payday or quick-cash loan.
COURT RECORDS ACTIVITY
We search through 509 million criminal & court records for illegal activity using your information.
Our Alerting Services Include;
- Email alerts
- Mobile alerts through IDShield app platform
- Other alert details of MyIDShield
- Live support
- Records of credit account delinquency
- Records of attempts at credit card fraud
- Records of previous bankruptcy
- Records of inquiries on credit accounts
- Signup of new credit accounts
- Records of new address requests
- Records of public information
- Records of court proceedings and incidents
- Details of new loan attempts
Wherever thieves operate, we’re watching. So you can keep yourself to yourself.