How does ID TheftAvert protection compare to other identity theft type services?
Click here for a comparison table.

Do all banks have to call me before opening new accounts?
The Fair and Accurate Credit Transactions Act of 2003 states that all banks and creditors must call you before opening new credit accounts. However, there are exceptions and some creditors still ask personal questions or send letters requesting additional verification. In all cases, they must take extra precaution to make sure the credit application is not the result of identity theft. If a creditor opens a fraudulent account without calling you first, we can provide a record demonstrating that the creditor failed to honor your right to a phone call and use that record to speed the recovery process.

How do banks contact me?
We assign a secure phone number to your account and places that phone number in your credit file. When a bank reviews your credit file they will see your fraud alert and call your assigned phone number. Our secure voice server will answer and contact you immediately for approval.

Do you keep my cell phone number private?
Yes. We do not provide your personal phone numbers to banks or creditors.

Can you call me at more than one number?
Yes. We offer a Find Me feature that will call you at up to three phone numbers.

What happens if I miss a call?
If you are not available, we will leave a message on your voice mail box asking you to call a toll-free number to approve a request. When you return the call, we will play the request for your approval.

Is the warning call placed by a person or a computer?
It is placed by our secure voice servers, so there is no delay.

How can I be sure it is really you calling me?
While Caller ID can be faked, you can be sure it is us calling when you hear your Voice Key played at the beginning of every call. During registration you will record a personal Voice Key by speaking a short phrase like "I am safe with ID TheftAvert™."

How are you different from credit monitoring services?
Credit monitoring services identify fraudulent activity after it has occurred. We give you a warning call before the damage is done.

Will this service affect my ability to use my existing credit cards?
No. ID TheftAvert™ only applies to opening new accounts.

Can a bank reject me because I am using your service?
Absolutely not - it is against the law. Contact us immediately if this occurs.

Do I really need to worry about Identity Theft?
Identity fraud is becoming a national crisis. This year an estimated 1 in 6 Americans will have their identity stolen. Computer breaches are occurring in record numbers through government agencies, universities, major corporations, and other public and private organizations.

It can take years of frustration and thousands of dollars to correct the mistakes and remove negative information from your credit report. In the process, the damage to your credit can prevent victims from obtaining jobs, renting properties and much more.