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Identity Theft Protection

 IDProtect Logo

Heritage Community Credit Union’s identity theft protection service, IDProtect®, to help better protect yourself, your family and your joint account owners with our identity theft monitoring and resolution service1 that includes the following benefits:

  • 3-in-1 Credit File Monitoring2 - IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur.
  • Total Identity Monitoring - Monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others
  • 3-in-1 Credit Report - request a new 3-in-1 report every 90 days or upon receipt of a credit alert (Registration/activation required.)
  • Credit Score – receive a new single bureau credit score with every new credit report (Registration/activation required) Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage3 for expenses associated with restoring your identity.
  • Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
  • Debit and Credit Card Registration (Registration/activation required.)
  • Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)
  • Worry-Free Checking FAQs

* Registration/activation required.

1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

2 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

3 Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance Products are not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate and are not insured by the NCUA or Any Federal Government Agency.

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