ID Theft Shield Offers a New Level of Security

Consumers lost more than $1.1 billion due to fraud in 2006, according to a report recently released by the Federal Trade Commission. Rivermark Community Credit Union now offers a solution that can help you avoid becoming a victim of fraud.

ID Theft Shield is an economical solution that protects your valuable personal information to help you stop ID Theft before it happens or make it easier to recover your good name.

For only $8.95 a month, you’ll be protected on many levels. Compare to Lifelock® or FreeCreditReport.com®, which only offer the credit application feature and costs more.

The five levels of increased security will:

• Help You Restore Your Good Name
  $10,000 Identity Theft Insurance with Fraud Assistance¹
  You’ll receive up to $10,000 in financial relief for qualified expenses along with Fraud Assistance, a comprehensive service designed to help with the hassle of clearing their good name.
  
  
• Give You Control Over Credit Applications
  
  The Fraud Assist Toolbox² is a convenient, online tool that helps streamline the identity theft prevention and recovery process. An array of helpful, easy-to-use services are placed right at your fingertips. Use the Fraud Assist Toolbox to:
  
  • Prevent Fraud: Place fraud alerts on your credit files, requiring financial institutions and creditors to take additional measures to prevent unauthorized accounts from being opened in your name.
  
  • Resolve Fraud: Receive easy, step-by-step assistance in recovering from a case of credit or identity fraud. Simply select the type of problem you are facing, and the guide will provide step-by-step instructions for resolving your issue. By coaching you through the recovery process, and sending you reminder emails when you need to follow up, the Fraud Assist Toolbox can dramatically reduce the time, and emotional stress of recovering from identity fraud.
  
  
  
• Monitor the Web Real-time to Provide an Early Warning
  Card Patrol^SM3
  This sophisticated, real-time early warning technology monitors various chat rooms across cyberspace for your exposed credit and debit card numbers. This proactive monitoring service is designed to prevent identity theft and fraud before it occurs.
  
  
• Protect Your Credit Score 24-hours-a-day
  Credit Alert®⁴
  With 24-hour, daily credit monitoring, you’ll be alerted automatically of certain negative changes to your credit helping to minimize potential damage. If there are no changes, you’ll even receive a quarterly notification letting you know that nothing has changed.
  
  
• Makes it Easy to Replace Lost or Stolen Cards
  Payment Card Protection
  You’re covered for verified, unauthorized charges to registered credit or debit cards. With this service, your cards are cancelled within 24 hours of notice. Call toll-free, 24 hours a day, 365 days a year.

Rivermark offers ID Theft Shield as a tool for you to significantly reduce your chances of becoming a fraud crime statistic.

¹ Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the Summary for complete details of coverage, limitations and exclusions.

² The Fraud Assist Toolbox is a robust fraud solution that helps you easily place your own fraud alerts with all three credit reporting agencies, and you can reset those alerts with convenient email reminders.

³ Card PatrolSM monitors personal information on the Internet by searching public databases and chat rooms. It is impossible to ensure all sources of information have been searched; therefore, your reports may not contain or apprise you of all of your personal information that may have been compromised.

⁴ Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert® service may be modified or improved at any time and without prior notice. Credit Alert® is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, significant changes in credit score, certain derogatory information, or accounts that have been added to their credit reports as reported by one of the three major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert® service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert® reports which you receive, including any liability for damages, direct or indirect, consequential or incidental.

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