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Identity Theft Protection
Identity theft is the fastest growing crime in the United
States, affecting 1 out of every 23 Americans annually.
It can happen to anyone; regardless of how careful you
are, regardless of your age and income and regardless of
where you live.
Linn-Co FCU has partnered with Merchants Information Solutions (MIS), the
nation’s most trusted name in identity theft protection
to provide recovery services to our Checking Account Primary
Members for FREE with ID SafeChoice!
If you’re ever the victim of identity theft, Linn-Co
FCU Primary Checking Account Members receive full identity
restoration services.
- No registration is necessary – this benefit is
automatic for the primary member on every Linn-Co Checking Account
- Assignment of a Personal Recovery Advocate who facilitates
your recovery process
- Credit report from all three credit bureaus
- Fraud alerts issued to credit agencies and law enforcement
- Forms completion, filing and follow-up to credit agencies,
financial institutions and businesses
- Post-recovery follow-up for one full year following
restoration
If you believe your identity has been compromised,
immediately contact Linn-Co FCU at 541.259.1235.
Add the security of an early warning system and additional
protection benefits with ID SafeChoice PLUS
for just $5.95 per month. In addition to the ID SafeChoice benefits
listed above, you receive:
- Automatic full credit report annually
- Continuous monitoring of your credit
- Weekly alerts of suspicious activity
- Warning whenever new credit is opened in your name
- Up to $25,000 in reimbursement for expenses incurred
in recovering your identity with no deductible
- Up to $6,250 per week to cover lost wages, to the program
limit of $25,000
- Monthly e-newsletters with the latest scam alerts,
news articles and protection tips
The ID SafeChoice PLUS
Family Plan extends protection and recovery services to
family members for only $9.95 per month. The Family Plan
provides the Primary Account Member and his/her spouse
(or domestic partner) with a yearly credit report and weekly
credit monitoring. Eligible family members include: dependents
(age 0-24), spouses and domestic partners.
*Terms and Conditions
- Services are provided to Primary Checking Account
Members based on Linn-Co FCU’s definition. Businesses
are not eligible for this offer. Joint Members are
not covered but are eligible for identity recovery
services for an additional cost. Benefits are non-transferable.
- Eligibility for recovery services is based on ID
theft events that occur, are discovered and reported
to Merchants Information Solutions (MIS) on or after the effective date
of the program and during the eligibility period.
- In order to receive services the individual must
be a current member of Linn-Co FCU and must maintain
their relationship in good standing during such time
that Merchants Information Solutions (MIS) is providing services.
- Group members must contact Linn-Co FCU before being
referred to Merchants Information Solutions (MIS) for services.
- Merchants Information Solutions (MIS) reserves the right to refuse
or terminate services if it is deemed that the participating
plan member is committing fraud or other illegal acts,
making untrue statements, or failing to perform his/her
portion of the recovery plan. Merchants Information Solutions (MIS) will
not refuse or terminate services to a plan member solely
due to the complexity of a case.
- Merchants Information Solutions (MIS) does not provide credit counseling
or repair to credit which legitimately belongs to the
plan member.
- Recovery Services are available in the United States
of America (U.S.) and to persons outside the U.S. to
the extent that U.S. laws prevail.
- Cancellation of the Plus Plan effective on the last
day of the month in which the cancellation request is
received. If a quarterly, semi-annual or annual payment
was made for the Plus Plan, any unused portion of the
payment will be refunded. Credit monitoring services
will cease as of the effective date of the cancellation
of the Plan.
**Disclosure
Insurance 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. For questions
about coverage, please contact idtheft@aig.com or 866-826-4974.
Coverage not available to residents of New York and may
not be available in other jurisdictions.
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