Finance 101

Available ONLY Before Identity Theft Strikes
Protect Yourself and Your Family

Chances are 1 in 23 that you will become a victim of identity theft, according to statistics provided by the Federal Trade Commission.

If you become a victim of identity theft, IDSafeChoice will go to work to restore your credit and your credibility – a process that could save you up to 600 hours of your time. Surveys show that as many as a third of all victims give up without ever getting back their good name – even after a year of trying on their own.

Available ONLY before identity theft strikes, the IDSafeChoice PLUS program provides a total protection package:

Credit Monitoring PLUS up to $20,000 for Identity Theft Expenses in addition to IDSafeChoice Recovery and MORE!

Only $8.95 per month for one; $4 more protects the entire family


  • Your complete credit report available automatically each year for your review
  • Weekly status alerts to warn of new activity that may signal that a criminal is at work.
  • Warnings of derogatory credit, new credit issued, inquiries on your report, change of address attempts and more.
  • Up to $20,000 in reimbursed expenses for recovering your identity, including up to $5000 per week in lost wage reimbursement, with zero deductible.
  • Your own personal Recovery Advocate to recover your good name!

Protect Yourself, Your Spouse and Children
Only $12.95 per month for the entire family


Did you know.... the age group with the highest incidence of identity theft is between the ages of 18 and 29, accounting for almost a third of all victims? And there were over 400,000 cases of identity theft in 2004 for children under the age of 18.

Source: Identity Theft Data Clearinghouse Study published by the FTC, February 2005

With Both the Individual and Family Plan
You Also Receive These Benefits...

  • Protection awareness test
  • Personal protection plan
  • Reports of new “tricks of the trade”
  • Personal protection advisory newsletter
  • Your own personal Recovery Advocate to restore your good name, if you fall victim
  • Fraud alerts are posted at all three credit bureaus.
  • Your rights as a victim are explained.
  • A customized recovery plan is developed and documented for your review.
  • Your Recovery Advocate contacts and works with all agencies, financial institutions and companies affected.
  • Your Recovery Advocate completes and files all forms and follows up to make sure fraudulent activity is corrected.
  • Your Recovery Advocate will contact you at 30, 60 and 90 days after the case is closed to determine if there are any additional problems.
  • Your good name will be restored – no matter how long it takes

Note: Family Plan includes recovery and reimbursement benefits for the primary plan member, their spouse or domestic partner, and each dependent with the same permanent address as the primary member, up to the age of 25.

Terms and Conditions:

1. Expense reimbursement benefit underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Reimbursement Coverage not available to residents of New York.
2. Eligibility for recovery services is based on ID theft events that occur, are discovered and reported to Identity Safeguards – on or after the effective date of the program and during the eligibility period.
3. Services are available only in the United States, and for persons temporarily or permanently residing outside the United States to the extent that U.S. laws apply.
4. Identity Safeguards does not provide credit counseling or repair to credit which legitimately belongs to the Plan Member.
5. Identity Safeguards reserves the right to refuse or terminate services if it is deemed that the Plan Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Identity Safeguards will not refuse or terminate services solely on the complexity of the case.

This credit union is federally insured by the National Credit Union Administration.