All primary share accountholders at Community1 Federal Credit Union  are eligible to receive identity theft recovery services. We provide you with the reassurance that if identity theft strikes - no matter what the reason - a professional is standing by, ready to restore your good name - no matter how long it takes.

If you become a victim of identity theft, a professional, trained Personal Recovery Advocate will go to work to restore your credit and your credibility, a process that could save you up to 600 hours of your time.  Surveys show that as many as a third of all victims give up without ever getting back their good name, even after a year of trying on their own.

If you or your family member suspects identity theft, or personal information becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop or notification of a data breach, we can help. Simply contact Community 1 Federal Credit Union, and a representative will verify your information, and securely submit your case to a Personal Recovery Advocate, who will contact you directly.

If you become a victim of identity theft, your Personal Advocate will:

1.   Place fraud alerts at the three major credit bureaus for you

2.   Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity.

3.   Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.

4.   Activate credit monitoring during your recovery to help you watch for additional signs of abuse.

5.   Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc. as applicable, to address any misuse of official documentation of your identity.

6.   Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.

7.   Follow up to make sure all wrongful activity is reversed and removed from your records.

8.   Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.

9.   Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisors.

10.  Provide 12 months of follow-up after your recovery is complete, to be sure you stay recovered!

Also see Terms and Conditions on this Web site for additional information about the identity recovery benefits.

No registration is required. If you suspect you are a victim of identity theft, call us at 800-845-1035 or visit us at one of our branches.

You may purchase IDSafeChoice Plus for enhanced benefits, including credit monitoring, expense reimbursement and more.  Don.t wonder!  Let the professionals alert you if there is trouble. 

To learn more about IDSafeChoice Plus or enroll today, click here.

Also, if you are interested in purchasing credit monitoring only, click here.

Account Disclaimer

http://www.community1fcu.com/ip.disclaimer.php

All eligible primary share accounts now come with identity theft recovery services.  Please see below for complete Terms of Services.

Terms of Services

1.     Services will be extended to accountholders at the discretion of Community 1 Federal Credit Union and may be cancelled upon 30 days notice to the accountholder. 

2.     Services extend to all named accountholders, their spouse or domestic partner, dependants up to age 25 with the same permanent residence address as the accountholder, including students and military, and parents of the accountholder living at the same address as the accountholder, or living in hospice, assisted living, nursing home or deceased for 12 months or less.

3.     Eligibility for recovery services is based on ID theft events that are discovered and reported to Community 1 Federal Credit Union on or after the effective date of the group program.

4.     Identity Theft is defined as fraud that involves the use of a consumer.s name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes. 

5.     Recovery Services may be refused or terminated if it is deemed that the accountholder or eligible family member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.  

6.     Community 1 Federal Credit Union and/or its service provider of the identity theft services cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.

7.     This service does not provide credit counseling or repair to credit which legitimately belongs to the accountholder or eligible family member.

8.     Services are only available to residents of the United States. Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.

9.     Services are provided by Merchants Information Solutions, Inc., www.merchantsinfo.com or an alternate Services Provider selected at the sole discretion of Community 1 Federal Credit Union.