Identity Protection
Recovering your good name
Identity Theft Protection
Don’t think you need identity theft protection? Think again.
Statistics show that 1 in 14 individuals will become a victim of identity theft. Rampant data breaches are putting consumers at great risk of identity theft. It can happen to anyone— regardless of your age and income, where you live, or how careful you are. That’s why Deseret First is proud to partner with NXG Strategies who offers robust recovery solutions. Their recovery advocates stand ready to assist you. In particular, they manage the detection, investigation and remediation of identity fraud incidents.
Explore Coverage
Recovery Program Features
Fully Managed Recovery Services are provided by DFCU free of charge to active* DFCU credit card account holders. This is one of many DFCU bonuses and requires no activation from you as a member. Courtesy coverage is provided on an individual basis. But you can opt-in to increase coverage or to include other family members! Please visit http://dfcu2.merchantsinfo.com/ for subscription coverage options.
If you are not yet a DFCU credit card holder, apply below!
Counseling
Certified Recovery Advocates will review the case with you. They will make suggestions to stop the damage and the steps to protect your identity. For example, helping you place fraud alerts.
Research
Recovery Advocates may research credit reports, public record databases, and internet sources. Specifically, this is to uncover potential fraud beyond what you reported.
Remediation
We will assign a professional, certified Recovery Advocate to your case. They will provide many services on your behalf, as appropriate for your case.
Recovery
Your Recovery Advocate will work to expunge records caused by fraudulent activity. All in effort to restore your identity to its former state.
Identity Restoration
Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up. This can leave them to contend with the aftermath of identity theft for years to come. This can include fraudulent bills, collections activity, damaged credit and even criminal records. But as your trusted community partner, we are not going to leave you behind! Whether protected by our complimentary coverage or through subscription coverage, DFCU will support you through the restoration process.
If you suspect you are a victim of fraud, contact our Fraud Department immediately. Salt Lake Area: 801-456-7541 Toll Free: 1-800-326-3328 ext: 7541 Email: dept.fraudsecurity@dfcu.com
Coverage for All Types of Identity Theft
Are you curious what this protection will actually do for you? This service covers all types of identity fraud, even if it is not related to your account with DFCU!
Types of identity fraud covered include:
- credit / debit card fraud
- tax fraud
- employment fraud
- government documents and benefits fraud
- medical fraud
- and any other identity fraud recognized by the Federal Trade Commission
Please refer to the Terms and Conditions for details on coverage.
Remediation Actions
If you become a victim or suspect identity theft for any reason, simply let us know! You do not have to confirm identity fraud before seeking help. We will put you in touch with a Recovery Advocate who, depending on your incident, will:
- perform research to determine the extent of the problem
- assist with the placement of fraud alerts with the three major credit bureaus
- write letters and make phone calls on your behalf to dispute fraudulent information
- coordinate with government agencies, financial institutions, creditors, etc. to resolve incidents
- create and maintain a case file to document the identity theft
- follow up with you after recovery
- securely deliver fraud recovery documents including return instructions
- use real time access to public records reports for further investigation where applicable
- provide peace of mind and resolution of key issues from start to finish as swiftly as possible
Enhanced Fraud Protection
We provide coverage for individual members who actively* use their DFCU credit card. However, through our partnership with NXG Strategies, you can further protect yourself and your family. We provide access to robust identity theft detection for a low monthly price. Individual or family packages are available. Extra coverage can include:
- lost document replacement
- single or three bureau credit monitoring
- single bureau credit report and score
- expense reimbursement insurance: $1 million limit with Unauthorized Electronic Funds Transfers
- internet monitoring
- rates as low as $3.50/month for an individual and $6/month for families
*Active credit cards are defined as those used within the last 90 days.
Services are provided in conjunction with NXG Strategies, LLC. Credit-related services require each Plan Member to answer questions online to authenticate their identity before activating the services. Members will make monthly payment directly to NXG’s Service provider. You can make this payment using a debit or credit card, or other payment option, as available. You may cancel at any time without penalty. Joining is easy and coverage starts immediately upon enrollment. See full terms and conditions for details.