ID Watchdog®
Year over year, we continue to innovate to deliver industry-leading solutions to better protect individuals. Click on the below ”What’s New” PDF, under Tools and Resources, to learn about the features added to the ID Watchdog Essentials plan.
ID Watchdog Essentials
ID Watchdog Essentials offers an easy and affordable way to help better protect and monitor the identities of you and your family. Our advanced identity monitoring scours billions of public records to search for signs of potential identity theft. You’ll be alerted to potentially suspicious activity and enjoy the peace of mind that comes with the support of dedicated resolution specialists. And, a U.S.-based customer care team that’s available any time, every day.
ID Watchdog Essentials Features
| · Credit Report Monitoring | 1 Bureau | · Credit Report Lock | 1 Bureau |
| · Child Credit Monitoring | 1 Bureau | · Blocked Inquiry Alerts |
| · Financial Accounts Monitoring | · Child Credit Lock | 1 Bureau |
| · Dark Web Monitoring | · Social Account Monitoring |
| · Monthly Credit Reports | · Registered Sex Offender Reporting |
| · Monthly VantageScore® Credit Scores | · Fully Managed Resolution Services |
| · Credit Score Tracker | 1 Bureau Monthly | · Resolution for Pre-Existing Conditions |
| · High-Risk Transactions Monitoring | · Online Resolution Tracker |
| · Subprime Loan Monitoring | · Up to $1M Identity Theft Insurance |
| · USPS Change of Address Monitoring | · Legal Care |
| · Public Records Monitoring | · Lost Wallet Vault & Assistance |
| · Credit Freeze Assistance | · Deceased Family Member Fraud Remediation |
| · Identity Profile Report | · Solicitation Reduction |
| · Mobile App | · National Provider Identifier (NPI) Alerts |
| · Integrated Fraud Alerts | · Breach Alert Emails |
How We Protect You
In today’s connected world, online transactions and purchases can put your financial and personal information at risk. But you can get greater peace of mind with award-winning identity theft protection services from ID Watchdog—a benefit to help you better protect the identities of you and your family.
By monitoring your credit and billions of data points, we help keep you informed of changes and activity related to your personal information.
Monitor & Detect Feature Descriptions:
Credit Report Monitoring
Monitors your Equifax® credit report and provides alerts of activity, which if unexpected, could be a sign of potential fraud.
Credit Report(s) & VantageScore® Credit Score(s)
Refresh your Equifax 1-Bureau credit report and credit scores monthly.
Dark Web Monitoring
Scans websites, chat rooms, and other forums1 known for trafficking stolen personal and financial information for compromised credentials including Social Security numbers and email addresses. Enter additional credentials such as credit cards, bank accounts, and driver’s license to be included in the scanning.
High-Risk Transactions Monitoring
Alerts you of activity that could signal account takeover, informs you of new accounts opened in your name, and notifies you, if we detect in the monitored network,2 a high-risk validation performed by a financial institution using your identity. These validations are required for new account openings, adding or changing an account holder, and other high-risk activity such as wire transfers and large withdrawals.
Subprime Loan Monitoring
Monitors your identity and sends an alert if we detect new specialty finance activity in the monitored network2 using your identity including payday, subprime, high-cost installment, rent-to-own, and other loans outside of the traditional banking system.
Public Records Monitoring
Scours billions of public records and other databases including licenses and certifications to search for new names or addresses associated with your identity which, if unexpected, could be a sign a potential identity theft.
USPS Change of Address Monitoring
Monitors the United States Postal Service (USPS) National Change of Address database for addresses associated with your name and detects the rerouting of your mail to a new address in case it was done without your knowledge.
Identity Profile Report
Provides up to a 30-year look back of verified and unverified records associated with your identity to establish your baseline identity profile for future monitoring.
WHAT YOU NEED TO KNOW:
The credit scores provided are based on the VantageScore® 3.0 model. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
1Dark Web Monitoring scans thousands of internet sites where consumers’ personal information is suspected of being bought and sold, and is constantly adding new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that ID Watchdog is able to locate and search every possible internet site where consumers’ personal information is at risk of being traded.
2The monitored network does not cover all businesses or transactions.
Customize what you want to be alerted on and how you want to be notified. Activate a lock feature for added control over your credit report.
Control & Manage Feature Descriptions:
Integrated Fraud Alerts
Through your dashboard, activate fraud alerts3 on your credit reports across the three nationwide credit bureaus and provide your contact information. Fraud alerts encourage lenders to take extra steps to verify your identity before extending credit.
Credit Report Lock
Lock or unlock access to your Equifax credit report through your ID Watchdog account with certain exceptions.4 Locking your Equifax credit report is an effective way to provide additional protection against unauthorized access and to help better protect against identity thieves from opening new accounts in your name.
Blocked Inquiry Alerts
Notifies you in near real-time when a business or lender tries to access your Equifax credit report while it’s locked or frozen.
Child Credit Lock
Through your ID Watchdog account, activate a Child Credit Lock for your minor child to help better protect against credit fraud in your child’s name by creating an Equifax credit report for your child then locking it to prevent access to it by potential lenders and creditors. ID Watchdog is the only benefits provider with online child lock capabilities.
Financial Accounts Monitoring
Set custom alert triggers for credit card, checking, savings, and investment accounts so you can monitor account balances and transactions and watch for signs of fraudulent activity.
Social Account Monitoring
Notifies you of potential cyberbullying or reputation-damaging information directed at you or your family on social media. Link up and monitor your Facebook, LinkedIn, Twitter, Instagram, and YouTube accounts as well as those of minor children included in your plan.
Registered Sex Offender Reporting
Searches for sex offenders in your area, and alerts you when offenders move into or out of the neighborhood. Reports include map, offender photo, and offense details. Run up to 10 reports on any address each month.
Customizable Alert Options
Set your preferences, and receive alerts via email, text message, phone call, or mobile app push notification.
National Provider Identifier (NPI) Alerts
If you are a healthcare provider, this feature monitors the National Provided Identifier (NPI) database for changes associated with your NPI number and alerts you if your account has been modified in a way that, if unrecognized, could indicate identity theft.
3 Integrated Fraud Alerts feature is made available to consumers by Identity Rehab Corporation and fulfilled on its behalf by Equifax Consumer Services LLC.
4 Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like ID Watchdog, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state, and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of pre-approved offers, visit www.optoutprescreen.com.
If your personal information is lost or stolen, you don’t have to face it alone. We’re here for you 24 hours a day, seven days week.
Support & Restore Feature Descriptions:
Fully Managed Resolution Services
Assigns one of our highly trained and certified resolution specialists to your identity theft case. We go beyond resolution assistance—your case is fully managed until it is resolved.
Resolution for Pre-existing Conditions
When enrolled through your employer’s benefit program, provides full service resolution for pre-existing identity theft regardless of when it occurred. Helps identify pre-existing conditions by establishing a baseline identity profile report incorporating records going back up to 30 years, which you can review to see whether or not they should be associated with your identity.
Online Resolution Tracker
If you have an open identity theft resolution case, you can view the status of your case and keep track of the communication with your assigned certified resolution specialist through your online dashboard.
Identity Theft Insurance
Up to $1M identity theft insurance5 that provides reimbursement for certain out-of-pocket costs related to the recovery of your identity. The insurance includes stolen funds reimbursement for unrecoverable, fraudulent electronic transfers from checking, savings, and money market accounts.
Lost Wallet Vault & Assistance
Assists you with cancelling and replacing the wallet contents added to Dark Web Monitoring (e.g., credit and debit cards and government-issued identification) in the event of a lost or stolen wallet.
Deceased Family Member Fraud Remediation
Resolves the identity theft, if necessary, of an enrolled family member who passes away. When a loved one passes on, the deceased’s identity may still be vulnerable to theft.
Credit Freeze Assistance
If you have been a victim of identity theft, our Resolution Team can work with you on the steps you need to take to freeze your credit reports at each of the three nationwide credit bureaus.
Legal Care
Set your preferences, and receive alerts via email, text message, phone call, or mobile app push notification.
Solicitation Reduction
Opt in or out of the National Do Not Call Registry and pre-approved credit offers—reducing junk mail and telemarking.
24/7/365 U.S.-based Customer Care Center
Reach a U.S.-based Customer Care Advocate whenever you need help at 866.513.1518. Our center has English and Spanish-speaking representatives on staff and supports over 100 additional languages. All of our advocates are certified in internet and social media safety and participate in ongoing industry training.
Breach Alert Emails
Helps you stay on top of data exposure risk through data breach notifications. Sign up for email notifications of prominent breaches.
Mobile App
Keep a pulse on your personal and financial information by accessing key plan features right from your iOS or Android phone. Your phone travels with you, so you won’t have to worry about missing an alert when you’re on the go. And, contact our 24/7/365 Customer Care Center via phone or email with one touch.
5 The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits (www.idwatchdog.com/terms/insurance).
On your benefit effective date, instant-on monitoring features will take effect for you and your family members. These include Credit Report Monitoring (instant-on for employee only), High-Risk Transactions Monitoring, Public Records Monitoring, USPS Change of Address Monitoring, Dark Web Monitoring and Subprime Loan Monitoring. Through the online dashboard, you’ll be able to see alerts for your instant-on features and take steps to set up additional features available through your plan. Plus, you can download the ID Watchdog Mobile App to keep a pulse on personal information when on the go.
Adult family members on your plan will need to verify their identity to begin credit report monitoring and register their own account to access their dashboard and features.
If you need additional support, you can call us with your questions 24 hours a day, 7 days a week at 1.866.513.1518.
MORE for Families
Our family plan helps you better protect your loved ones, with each adult getting their own personalized account with all plan features (except child-only features).
We offer more features that help protect minors than any other identity theft protection provider. Features that help better protect children include:
- Child Credit Monitoring | 1 Bureau
- Child Credit Lock | 1 Bureau
- Dark Web Monitoring
- Subprime Loan Monitoring
- High-Risk Transactions Monitoring
- Public Records Monitoring
- Social Account Monitoring
- Registered Sex Offender Reporting
- Dedicated Resolution Specialists
- Identity Theft Insurance
Alerts will be sent to the email address provided for the child, and the you (the primary member) will have access to personalize and activate features for any children on their account.
Tools and Resources
ID Watchdog, Inc.
Customer Service:
24 hours / Seven days a week
1-866-513-1518
Enrollment
Your Benefits
FAQ's
Rates
Office of Risk and Benefits Management
1501 N.E. 2nd Avenue, Suite 335
Miami, Florida 33132
Mon - Fri, 8 a.m. to 4:30 p.m. ET
www.dadeschools.net
305-995-7129
FBMC Service Center
Mon - Fri, 7 a.m. to 7 p.m. ET
1-855-MDC-PS4U (1-855-632-7748)