IDProtect®

IDProtect®¹ helps to better protect you from any identity fraud event, financial or otherwise, even if the event has nothing to do with any of your accounts at Chaffey Federal Credit Union.

• Fully Managed Recovery - Comprehensive Identity Theft Resolution Services that includes a dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your identity is restored.


• Identity Theft Expense Reimbursement² - Up to $10,000 Identity Theft Expense Reimbursement to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. (Refer to Guide to Benefit for complete details of coverage.)

• Identity Monitoring – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required.)
  
  
• Credit File Monitoring – Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required.)
  
  
• Credit Report – request a new report every 6 months or upon receipt of a credit alert. (registration/activation required.)

• Credit Score³ – Receive a new single bureau credit score with every month. (registration/activation required)
  
  
• Credit Score Tracker - Receive valuable insight into your credit score.^3,4
  
  
• Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (registration/activation required.)
  
  
• Financial Wellness 360^o - Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available via mobile or web only)
  
  
• Online Identity Theft News Center and Valuable Phone and Web Resources - Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (registration/activation required. Available online only.)

¹Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.
³You will have access to your credit report and score provided your information has been verified by the Credit Reporting Agency. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to you score on a monthly basis.
⁴Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.