IdentityForce FAQ

About IdentityForce

Why should I trust IdentityForce?

In addition to offering you and your family best-value products in proactive identity protection, we have been trusted by millions of customers for over 35 years, have a Better Business Bureau A+ rating, and are a preferred partner for the U. S. Government and healthcare agencies.

How does your service work?

IdentityForce protects your identity, privacy, and credit by continuously monitoring your personal information, providing you with early warning notifications when we find discrepancies, and protecting your credit and credit scores. Should you become a victim of identity theft, you can rest easy knowing you have access to fully managed recovery services and up to $1 million identity theft coverage.

How do I get in touch with member services?

Our knowledgeable Member Services Representatives are available to answer your questions Monday through Friday from 8 a.m. to 5:30 p.m. EST. You can contact us via email at memberservices@identityforce.com, by phone at 877-694-3367, or through live chat. IdentityForce members who are confirmed victims of identity theft have after-hours access to our specially trained Fraud Resolution Specialists, also, by calling 877-694-3367.

Can I upgrade my service?

IdentityForce members may upgrade their membership by simply calling Member Services at 877-694-3367, during regular business hours Monday through Friday from 8 a.m. to 5:30 p.m. EST.

Can I enroll my family?

Most of our packages offer the flexibility to enroll additional family members and children under the age of 18 who reside at the same address.

Identity Theft

What is identity theft?

Identity theft is the use of your personal information without your knowledge and with criminal intent. Examples of personal information include your name, address, Social Security Number (SSN), bank or credit card account number, medical records, or driver’s license. Identity theft is not new, but the popularity of the Internet, online shopping, credit and bank cards, and use of social media have made it one of the fastest growing crimes in the U.S., with more than 11 million victims last year alone. That’s 1 out of every 4 adults, averaging losses of $3,500 per person, with each spending over 330 hours restoring their identity.

Doesn’t my credit card company already cover me?

Your credit card company may cover fraudulent purchases made with your card, but only approximately 30% of identity theft is credit card related. Nearly 70% of identity theft results from non-credit card related fraud, such as hackers taking over bank accounts, synthetic identities created using personal information from multiple victims, and data breaches.

What is a synthetic identity?

A synthetic identity is created when personal information is stolen from several victims and is used to create a new “fake” identity. For example, one person’s social security number can be combined with the date of birth of another, which will then be used to create an alias.

What does it mean to be a “confirmed” victim of identity theft?

Losing or having a wallet, purse, or documents stolen does not automatically mean that you are a “confirmed” victim of identity theft. If, however, lost or stolen personal information results in fraudulent new accounts or services, money stolen from your bank account, or other fraudulent activity resulting in financial losses, then you are considered a “confirmed” victim of identity theft.

How does identity theft insurance work?

Actively enrolled members of IdentityForce who are “confirmed” victims of identity theft are eligible for up to $1 million in identity theft insurance. Please contact our Member Services Representatives at 877-694-3367 to initiate coverage.

Credit Protection

What kind of information is in my credit report?

A credit report is a snapshot in time of who you are, what debts you owe, and other information to help banks and other lenders assess if you are a good credit risk. It includes your name, address, date of birth, previous addresses, and Social Security Number. It also lists the accounts you currently have open, your credit history, your employment history, and public records.

How often should I check my credit report?

Ideally, You should check your credit report 4 times a year, but no less than twice a year, unless:

  • You are planning to make a major purchase
  • You are applying for more credit
  • Your credit report contained inaccuracies in the past
  • You want to improve your credit score
  • You have been a victim of identity theft
  • You are concerned with being a victim of identity theft
How do I correct inaccurate information on my credit report?

You need to dispute inaccurate information directly with the credit bureaus. You can do this either by mail, phone, or online. The credit bureaus have 30 days to investigate your dispute. Once the investigation is complete, the credit bureaus will send you a letter with their findings. If they have made any revisions to your credit report, they will send you a copy of your revised report. If you’re a member of IdentityForce, you may call Member Services at 877-694-3367 to begin the dispute process.

I received a credit report monitoring alert. Does this mean that my identity has been compromised?

Not necessarily. An alert simply means that a change has been made to your credit report and that you should check it out immediately to make sure it's legitimate. IdentityForce monitors the 12 most significant warning signs – or "triggers" — that fraud may be taking place. These triggers include a change of address or phone numbers, opening a new account, or an account being placed in collections. If an unauthorized change has been made to your credit report while you are a member of IdentityForce, call Member Services at 877-694-3367 — they'll advise you what to do.

What should I look for on a credit report to indicate identity theft?

Accuracy is important. Make sure all the information in your reports is correct and up to date. If any of the personal information in your reports is wrong (i.e., addresses, SSN, name — including variations like Jr. and Sr. — and employers) it could be a sign of identity theft. Other warning signs include any accounts you didn't open or any debts you don't recognize on legitimate accounts. Also, check the reports for inquiries from creditors you don't know about. Banks and credit card companies will look at your credit reports before opening an account, so an inquiry could be a sign that someone is trying to open accounts in your name. However, banks and credit card companies often inquire about consumers' creditworthiness to target their marketing efforts, so it's possible that an inquiry is not related to identity theft. If you find inaccuracies or suspicious activity on your credit reports, notify the credit bureau as soon as possible by telephone and in writing. If you are a member of IdentityForce, call Member Services at 877-694-3367 right away.

Why does my credit score matter?

Anytime you apply for a loan or a credit card, lenders look at your credit score to determine if you are a good risk. It's not the only factor they look at, but it's possible that if your score doesn't meet their minimum requirements, you will be denied credit, or pay a higher than average interest rate. Higher scores mean lenders will give you better interest rates, which can save you big money on car or home loans.

How can I change my credit score?

The biggest factor contributing to a low credit score is late payments. If you see late payments incorrectly listed in your credit report, get them changed and it should improve your score. The type, size and age of your accounts also factor into your credit score, so making positive changes — like paying down credit card debt can also help your score.

Will my credit score change if I request a copy of my own credit report?

No. When you request a copy of your own credit report, it is called a "soft inquiry". While it is noted in your file, it does not affect your credit score.

Can I get a free copy of my credit report?

By law under the FACT ACT you are entitled to one FREE credit report a year from each of the three credit bureaus, Experian, TransUnion and Equifax. You can request your free report by mail or online at AnnualCreditReport.com

Protecting Children

How can I protect my child’s personal information from identity thieves?

Once you’ve become a member of IdentityForce, you will be able to protect your child’s personal information by enrolling them in our ChildWatch program. ChildWatch will protect your child’s future credit by continuously monitoring their identity and providing you with fully managed restoration and $1 million in identity theft insurance should they become a victim of identity theft. Learn more about the harmful effects of child identity theft and what simple steps you can take at home to protect their personal information.

Helping Victims

What should I do if my personal information or identification documents have been stolen?

It is more important than ever to safeguard your personal information. Not only can criminals use your information to steal your identity, they can sell or trade your information on the global black market where it is used over and over again. If any of your important documents or information has been stolen, act quickly to minimize the potential damage. Follow this link for the steps you should take.

Technical Issues

Can I update my contact information?

To update your contact information, log in to your personalized IdentityForce dashboard, click on the “Manage Account” tab, then under Account Actions on right-hand side of the page, click on “Edit Personal Information”. Make all necessary changes and click "Save".

Can I change my password?

To change your password, log in to your personalized IdentityForce dashboard, click on the “Manage Account” tab, then under Account Actions on right-hand side of the page, click on “Change Password”. Make all necessary changes and click “Save”.

Can I change my security question?

To change your security question, log in to your personalized IdentityForce dashboard, click on the “Change Security Question” tab, then under Account Actions on right-hand side of the page, click on “Change My Security Question”. Make all necessary changes and click “Save”.

Can I change my billing information?

Please call Member Services Monday through Friday from 8 a.m. to 5:30 p.m. EST at 877-694-3367 to change your billing information."

Who do I contact with technical issues?

Our knowledgeable Member Services Representatives are available to answer your questions Monday through Friday from 8 a.m. to 5:30 p.m. EST. You can contact us via email at memberservices@identityforce.com, by phone at 877-694-3367, or through live chat.