Frequently Asked Questions (FAQ)


About Identity Theft

Why do I need freeIDENTITYprotect to protect my identity?

freeIDENTITYprotect (free service) is the only product offering the ability to access free identity protection in one location. With freeIDENTITYprotect you get these items for free:

  • Set Credit bureau fraud alerts
  • Reduced preapproved offers of credit
  • Reduced junk email
  • Obtain credit reports from all three credit bureaus
  • Listing on the National Do Not Call Registry
  • Dashboard to access and instantly review your level of protection
What is the difference between freeIDENTITYprotect and premiumIDENTITYprotect?

With premiumIDENTITYprotect (paid service) you get everything in the free service PLUS:

  • Credit card monitoring — Receive an alert if your credit card number appears on the internet in a location known to be a place where stolen card numbers are sold or traded.
  • Social Security Number monitoring — Receive an alert if your credit card number appears on the internet in a location known to be a place where stolen social security numbers are sold or traded.
  • $25,000 Identity theft insurance through AIG Insurance Company with zero deductible.
  • $1 million Service Warranty.
  • Identity Theft restoration service through AIG in the event your identity is compromised.
Is it likely that I will become a victim of identity theft?

According to the Federal Trade Commission, Identity Theft is the largest growing crime in America. One in five has been a victim of this crime and the problem is only getting worse.

What could a thief do with my information?

If a thief were to steal your identity, they could open up charge cards in your name, buy merchandise, open up a cell phone account, rent an apartment, apply for a job and more. Once the identity theft occurs, it could take hundreds of hours to remedy. That is why we provide the restoration service on premiumIDENTITYprotect to assist you in recovering from this crime.

premiumIDENTITYprotect Insurance

What do I do if my identity is stolen?

If you believe your identity has been compromised and you are a member of premiumIDENTITYprotect, promptly call 1-866-IDHelp2 (1-866-434-3572).

What Identity Theft insurance coverage comes with the paid premiumIDENTITYprotect service?

Restoring one's name and good credit is a time-consuming and expensive process. In response, premiumIDENTITYprotect is providing up to $25,000, with $0 deductible for identity restoration costs, legal defense expenses and lost wages, for our premiumIDENTITYprotect members.

  • Comprehensive Customer Service — In the event of identity theft, you receive dedicated service from highly trained agents. Available 24/7, the agents guide you through the process of restoring you identity profiles and credit records. After agents provide the initial steps an identity theft victim needs to restore their identity, an ID Theft Recovery Kit, complete with form letters to send to creditors and bureaus, is provided to each identity theft victim.
  • Income Protection — Coverage is provided for lost wages up to $500 per week for 4 weeks as a result of time off work related to a covered stolen identity event.
  • Expense Reimbursement — Expenses related to the recovery of one's identity, including defense costs for certain civil suits, re-filing for loans and reimbursement of certain fees are covered.
  • Restoration Services — In the event you have an Identity Theft event, you will have the opportunity to have a dedicated case worker help them resolve your identity theft.

At this time, residents of New York are not eligible for the insurance coverage.

What is ID theft?

Identity theft occurs when someone uses your name or personal information without your knowledge to commit fraud or theft. This includes opening a credit card account, taking out a loan and/or making a major purchase fraudulently. Once your identity is compromised, thieves can use it repeatedly, using each new account as a reference for the next one.

Who is eligible for the insurance?

premiumIDENTITYprotect is providing up to $25,000 of coverage to the paid members of premiumIDENTITYprotect Service.

What types of expenses are covered in the event of an Identity Theft Crime?

Includes up to $25,000 to cover most out-of-pocket expenses incurred in reclaiming one's identity. Expenses like lost wages, loan applications or filing fees, legal and notary fees and more. There is no deductible.

Will the amount of the total financial loss be covered?

The amount of the actual financial loss is typically covered by the financial institution and is not covered under this policy. Expenses incurred to correct credit files and related legal costs as a direct result of the identity theft are covered.

Is there any cost to me for this insurance?

There is no additional cost. This is a benefit being provided to paid members of premiumIDENTITYprotect Service.

Who is the Insurance Carrier?

The insurance benefit is provided by a member company of American International Group, Inc. (AIG). AIG is a world leader in international insurance and financial services, with operations in approximately 130 countries and jurisdictions.

Is my information passed to AIG Insurance?

No, the customer's personal identifiable information is not shared with the insurance carrier.

About freeIDENTITYprotect

Who is freeIDENTITYprotect?

freeIDENTITYprotect is a division of Demoxi. Demoxi is the only company providing free identity theft protection. We are located in Bellevue, WA. Our company is led by experienced and successful entrepreneurs and industry experts. We are backed by two of the leading venture capital firms in the world Monster Venture Partners and Northwest Venture Associates.

Why should I trust freeIDENTITYprotect?

freeIDENTITYprotect's goal is to provide you with the best identity theft protection at the lowest cost. We are managed by a team of experts with significant experience in security and identity theft. This service was designed with your protection in mind.

Using freeIDENTITYprotect

What is the cost of your service?

freeIDENTITYprotect is free. It will always be free. There are no trial periods or credit card numbers required. If you decide on the extra level of protection of premiumIDENTITYprotect, the monthly plan is $9.95, and the annual plan is $99. The annual plan means you pay once per year rather than every month. The annual plan saves you $20.40/year.

For more information, please consult our terms and conditions

What is your cancellation policy?

There is no long-term commitment with freeIDENTITYprotect. You can cancel at any time by clicking HERE and notifying us of your intention to cancel. If you are an annual subscriber, we will refund any unused amount.

Is there an age restriction to become a member of your service?

You must be 16 years of age or older to use this service.

Can I refer others to freeIDENTITYprotect?

Absolutely. Please click "Refer a friend" on the top of any web page and complete the form.

How do I enroll additional members of my family?

Since the dashboard is tied to one individual, you should register each family member over 16 year of age separately. Click here to enroll another member.

How do I get freeIDENTITYprotect updates?

If new services are offered, you will be notified via email and on the dashboard.

Is freeIDENTITYprotect available in other countries?

At this time freeIDENTITYprotect is only available in the US.

Can I upgrade to the Premium version?

You can upgrade to the premium version at any time. We recommend the premium service as it provides the highest level of security available. Visit your dashboard to enroll or click here.

What if someone steals my credit cards?

If you know your cards were stolen, you should contact the credit card company immediately and let them know.

If you enroll in premiumIDENTITYprotect, we will monitor the internet for signs of your stolen credit card numbers for sale and notify you if your card number is found. This could prevent the unauthorized use of your card and identity fraud.

How do I contact freeIDENTITYprotect?

To contact our Customer Care team, please email us at support@freeIDENTITYprotect.com or by phone on 206.230.4342 (M-F, 9am-5pm PST).

Questions About freeIDENTITYprotect's Services

SET FRAUD ALERTS

What is a fraud alert?

A fraud alert is an alert that will let a credit issuer (like a credit card, mortgage, cell phone or insurance company) know that you are concerned that your identity may have been compromised or could be compromised. Any time someone requests credit in your name, the issuer is alerted to call you to verify that you have applied for credit. If it is legitimate, you authorize it. If not, the identity theft is prevented!

Who calls me to let me know that someone is attempting to access my credit?

The credit issuer will call you directly.

After 90 days my Fraud Alert will expire. How am I informed that it will expire?

Fraud alerts expire every 90 days and must be renewed. freeIDENTITYprotect will alert you to reset your Fraud Alerts before they expire. To do so, check your Dashboard for when it changes from "Enrolled" to "Action Required". You will also receive an email reminder from freeIDENTITYprotect.

REDUCE CREDIT CARD OFFERS

What is a preapproved offer of credit?

Many companies that solicit new credit card accounts use prescreening to identify potential customers for the products they offer. Prescreened offers, sometimes called "preapproved" offers of credit, are based on information in your credit report that indicates you meet criteria set by the creditor. These offers are often stolen from your mailbox by identity thieves and used against you.

Will the Reduce Credit Offers service end all credit card offers?

Unfortunately not. All preapproved offers should stop within about 6 weeks. This will reduce the chances of the offers being stolen from your mailbox and used by a thief. You still will receive credit card offers, but they will be applications to apply for credit, not preapproved offers.

Does enrolling in the Reduce Credit Cards Service affect my ability to apply for credit?

No, enrolling in this service does not affect your ability to apply for or obtain credit or insurance.

Does enrolling in Reduce Credit Card Offers improve my credit score?

No, since inquiries for firm offers for credit are not used in calculating credit scores, enrolling in this service does not improve your credit score. Similarly, inquiries for firm offers for credit or insurance do not reduce your credit score.

How long does the Reduce Credit Card Offers service last?

You are registered for 5 years. At that time, you must renew. Check your dashboard for status updates and email notifications.

REDUCE TELEMARKETING CALLS

What is the National Do Not Call Registry?

The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home or on your cell phone. Most telemarketers should not call your number once it has been on the registry for 31 days. You can register your home phone, cell phone and fax number on the list.

Will the Reduce Telemarketing service end all telemarketing calls?

Unfortunately not. You will continue to receive calls from those companies that do not use the Federal Trade Commission's Do Not Call list. They are in violation of the law if they call you. Tell them to put you on their Do Not Call list. You may also receive political related calls.

REDUCE JUNK EMAIL

What is the DMA email opt-out list?

The Direct Marketing Association (DMA) provides an email preference service. This service allows you to opt-out of receiving email marketing from companies who use the service.

What happens after I add my email address to the list?

When you register, your email is placed on a "do not email" file which is made available to companies that use email for marketing purposes. These companies that use the do not email list will no longer send you email.

Will the Reduce Junk Email service end all junk email?

Unfortunately no. You will continue to receive email from companies with which you do business and from charitable or commercial organizations which do not choose to use this list. In addition, you may continue to receive email from many local merchants, professional and alumni associations and political candidates. There are also many individuals who do not adhere to best business practices and do not remove people who do not wish to receive unsolicited email before sending emails.

ORDER CREDIT REPORTS

How often can I review my credit report?

Reviewing your credit reports on a regular basis is important in preventing identity theft. FreeIdentityProtect links you to the three national credit bureaus to provide you access to a free copy of your credit report from each bureau once a year. You are only allowed one free report per year from each credit bureau. FreeIdentityProtect notifies you once every 4 months that it is time to review one of your three credit bureau reports.

Should I order all my credit reports at one time or space them out over 12 months?

You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies. It is entirely your choice whether you order all three credit reports at the same time or order one now and others later. The advantage of ordering all three at the same time is that you can compare them. (However, you will not be eligible for another free credit report from the Central Source for 12 months.) On the other hand, the advantage of ordering one now and others later (for example, one credit report every four months) is that you can keep track of any changes or new information that may appear on your credit report. Remember, you are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting agencies — Equifax, Experian and TransUnion. freeIDENTITYprotect will remind you every 4 months via the dashboard and email which report to order.

What if I find inaccuracies in my credit report?

If you find inaccuracies in your credit report, you can submit a dispute online at the credit bureau by following the directions they provide you on your report. Make sure to use the credit report number they provide you.

Will my credit score be affected by using this service?

No. Your credit score will not be affected at all by using this service.

Can I obtain my credit score through this service?

You can receive one free credit report per year from each bureau each year as part of the service however, your credit score in not included. By law you may obtain one free credit score a year but you have to initiate the request through the credit bureaus yourself.

By using this service will it be harder for me to get credit if I need it?

Adding fraud alerts to your credit report will notify the issuer to call you on your phone to verify that you have indeed applied for credit. If yes, you approve the transaction and obtain the credit. If not, your identity has been protected! This extra step of verification will take a few extra minutes, but we feel the protection is well worth your time.

Am I safe from Identity Theft if I have credit monitoring?

Credit monitoring only informs you after accounts have been opened in your name. It's old technology and does nothing to prevent identity theft. freeIDENTITYprotect helps you Set Fraud Alerts which helps prevent the accounts from being opened in the first place!

My Account Information

Can I modify my registration information?

Yes, you can modify your information in My Account. To get to My Account, please Sign In to freeIDENTITYprotect and click on the My Account tab.

Can I change my password?

Yes, you can change your password in My Account. To get to My Account, please Sign In to freeIDENTITYprotect and click on the My Account tab.

Where do I go if I forgot my Password?

Click here if you have forgotten your password, complete the form and you will be provided by email with a new password. You may then modify this password in My Account. To get to My Account, please Sign In to freeIDENTITYprotect and click on the My Account tab.

Security and Privacy

How is my privacy protected?

The information held by freeIDENTITYprotect is secure and protected by sophisticated privacy technology. All data is stored in encrypted format with tightly controlled electronic access.

How is the privacy of my personal login and stored data protected?

Your login information is secure and protected by sophisticated privacy technology. All data is stored in encrypted format with tightly controlled electronic access.

Is it safe to provide my Social Security Number to these services?

You must enter your Social Security Number to receive free credit reports, add a fraud alert, reduce credit card offers or have your social security number monitored for its sale on the internet. The sites have security protocol and measures designed to protect the personally identifiable information you provide from unauthorized access or alteration. As an added security measure on your credit reports, you can choose to have your report display no more than the last four digits of your Social Security number. We advise selecting that option.

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