Features and Benefits
Triple-Bureau Credit Scores
Receive your CreditXpert® Scores™ compiled from your files at the three major credit reporting agencies—Experian®, Equifax® and TransUnion®. Credit scores provide a picture of your overall credit standing and help you to identify critical errors in your personal financial data. Your CreditXpert® ScoresTM, although different from the scores lenders use, are intended to reflect common credit scoring practices. They are designed for educational purposes to help you understand your credit.*
Triple-Bureau Daily Credit Monitoring
Early detection of suspicious activity is essential to minimizing both the damage incurred by identity thieves and the time needed to rectify any issues. Enjoy the security of daily credit monitoring and be alerted of certain activities to your credit reporting agency files, which could be a sign of potential fraud.**
Credit/Debit Card and Social Security Number Internet Fraud Monitoring
IdentitySecure will monitor underground Web sites and chat rooms where identity thieves are known to buy and sell personal information. Simply register your Social Security number and up to ten of your credit or debit cards, at www.identitysecure.com, and you'll receive an "early warning" Fraud Alert if your information is found available for sale.†
Identity Fraud Support
Obtain personalized assistance in resolving a case of identity fraud. Should you become the victim of identity fraud, IdentitySecure will help you recover quickly. You'll be assigned a dedicated caseworker who will work with you in restoring your ID, supporting you every step of the way. Plus, you'll receive a customized kit filled with helpful information to help you recover even faster.
To enroll in these valuable services at the low cost of $7.95 per month, per account, please call our customer service center at 734-241-3431 or enroll online.
For questions about MBT IdentitySecure AFTER you have enrolled, please call IdentitySecure Member Service Center: 1-866-990-SECURE (7328) Mon - Fri 9:00 a.m. - 8:00 p.m. & Sat 9:00 a.m. - 5:00 p.m., firstname.lastname@example.org.
*Your CreditXpert® Scores™ are provided by CreditXpert Inc. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores you receive directly from those agencies or from other sources.
**Daily monitoring will notify you of any inquiries, certain derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then you will receive a monthly notification stating that no information has changed within your credit file.
† IdentitySecure monitors up to ten registered credit/debit cards, up to ten registered bank accounts, and your Social Security number on the Internet, based on extensive research of Internet chat rooms; however, it is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.
The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected. Your liability for unauthorized charges is limited to $50 per credit card. You are not required to enroll in IdentitySecure to maintain your credit card.
All IdentitySecure services and benefits are provided by Trilegiant Corporation in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the IdentitySecure service. Any part of the IdentitySecure service may be modified or improved at any time and without prior notice.
IdentitySecure is a registered service mark of Trilegiant Corporation. Service not available to residents of FL or RI. 169313 - 8294
© 2013, Trilegiant Corporation
Trilegiant Corporation, Trilegiant Insurance Services, Inc., and Alliance Marketing Association are separate entities and not affiliates of Monroe Bank & Trust.