Product Overview of IDNotify by Experian
IDNotify, a service provided by Experian, is a comprehensive identity theft protection and credit monitoring solution designed to safeguard individuals’ personal and financial information. Here’s a detailed look at what IDNotify does and its key features:
What IDNotify Does
IDNotify offers a robust set of tools and services aimed at protecting users from identity theft, monitoring their credit health, and providing assistance in restoring their identity in the event of a breach. This service is particularly beneficial for individuals concerned about the security of their personal information in today’s digital age.
Key Features and Functionality
Credit and Identity Monitoring
- IDNotify includes 3-bureau credit monitoring, which tracks inquiries, fraud, delinquencies, and other activities that could affect your credit score. Users receive annual 3-bureau credit reports and daily VantageScore updates.
Internet Surveillance
- The service conducts thorough searches across websites, blogs, peer-to-peer sharing networks, and chat rooms to detect any compromised personal information.
Alternative Loan Monitoring
- IDNotify alerts users if new loans or credit cards are opened using their personal information, helping to prevent unauthorized financial activities.
Social Security Number Trace
- This feature notifies users of new names, aliases, and addresses associated with their Social Security number, aiding in the detection of identity theft.
Social Network Monitoring
- IDNotify monitors social media activity to alert users of any privacy or reputation risks associated with the content they share, protecting against social media-based identity theft.
Court Records and Booking Monitoring
- The service monitors court records and bookings to ensure that no one is using the user’s information if they are arrested or charged with a crime.
Sex Offender Monitoring
- IDNotify provides reports on registered sex offenders in the user’s immediate area and alerts them if a new offender is added or if a sex offender fraudulently registers using the user’s identity.
Change of Address Monitoring
- This feature alerts users of any changes to their address in the national U.S. Postal Service database, preventing mail redirection without their knowledge.
Lost Wallet Services
- IDNotify offers assistance in canceling and reissuing the contents of a lost or stolen wallet, reducing the hassle and stress associated with such incidents.
Identity Restoration
- In the event of identity theft, IDNotify provides full-service identity restoration, including 24/7 white glove service to help restore the user’s identity quickly and efficiently.
Additional Features
- The service includes identity theft insurance up to $1 million in reimbursements (available in the Select and Premier plans), and it offers real-time alerts for suspicious and high-risk bank and credit card activity.
Plans and Pricing
IDNotify offers various plans with different levels of protection to meet individual needs. The plans are competitively priced, with the Essential plan being the most basic and the Premier plan offering the most advanced features. Fidelity users, for example, can enjoy a 40% discount on these plans compared to similar services.
In summary, IDNotify by Experian is a powerful tool for protecting personal and financial information, offering a wide range of monitoring services, real-time alerts, and comprehensive identity restoration assistance. Its features are designed to provide peace of mind and proactive protection against identity theft.