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How MSA ID Protect Works

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True Identity Protection by Monitoring Public Databases - Monitor your SSN and DOB for suspicious activity, including credit records, DMV, criminal records and employment records, for when your SSN/DOB are in motion in these national databases.  We will issue an “Identity Alert” to you anytime we are informed that suspicious activity appears to be taking place, such as new employment in another state, a cash DMV transaction or an arrest warrant/conviction being issued.  A monthly “risk score” is sent to you by email, indicating your risk score as either low, medium or high.  “High” risk scores encourage you to call your Fraud Resolution Specialist™ right away.

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Identity Theft Fraud Resolution Specialists™- Unlimited counseling to advise on the immediate and necessary steps you need to take to prevent any further identity theft from taking place. Some of the steps include placing a “fraud alert” (or “security freeze”) with all three of the major credit bureaus, assistance in ordering a copy of your credit report, reviewing it with you for accuracy and notifying the necessary creditors and agencies about fraud related events.  Fraud Resolution Specialists™ are trained under the Fair Credit reporting Act (FCRA) and under the Fair Debt Credit Protection Act (FDCPA).

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Fraud Specific Document Preparation- State specific letters/documents, based on the type of ID fraud your have experienced, are prepared for you to sign and return to the Fraud Resolution Specialist™ for mailing/filing with creditors, collection firms and state and federal regulatory agencies.  This service reduces the trauma of knowing what letters/documents you need to send to what authorities, in order to protect your name, stop the fraud and prevent future losses.  This automated process also allows the Fraud Resolution Specialist to start legal timelines for resolution and for systematic follow-up.

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Personalized Attention - You will receive unlimited personal attention to your unique identity theft concerns, such as assistance in correspondence with creditors, credit reporting agencies and ongoing actions that should be taken to resolve your identity theft issues. You will receive coaching on important record keeping strategies, forms and letters, as well as follow up on your identity theft concerns until the crises is past, regardless of how long it takes.

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Personal Financial Coaching- You will receive advice and strategies by highly experienced Certified Credit Counselors regarding the rehabilitation and restoration of your damaged credit, which usually result from being an ID theft victim.  Financial Coaches are also trained under the FCRA, as well as the Fair and Accurate Credit Transactions Act (FACTA).

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Identity Theft Expense Reimbursement Coverage** - Identity theft expense coverage provides up to $1,000,000* in Unauthorized Electronic Funds Transfer coverage from your personal savings or checking accounts, including up to $25,000* in identity theft fraud expense reimbursement, such as lost wages, notary and certified mailing costs, long distance phone calls and attorney fees when approved in advance by the insurance company.

**Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc.  The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for terms, conditions, and exclusions of coverage.  Coverage may not be available in all jurisdictions.