Free ID Theft Recovery and Document Replacement Service - a value added service for My CU Club members!

Summit Credit Union provides this important service for members of our My CU Club. As a member of Summit Credit Union you are probably already a member of the My CU Club and therefore qualify for this free service! Click [here] for information on our exciting My CU Club program and to see if you are a club member. Members from birth to age 22 and members age 55 and above automatically qualify for the Free ID Theft Recovery and Document Replacement service!

What is Identity Theft Recovery?
Identity Theft Recovery refers to the process someone has to go through to clear their personal records and credit reports of any fraudulent information that may be of a direct result of Identity Theft. This process, if done manually, can take as much as 500 hours and more than $3,000 to resolve. If done quickly and thoroughly, by National ID Recovery, the time spent by you, the victim is cut down to just a few hours.

What is Document Replacement?
What would you do if your wallet or purse is stolen?  What if your house or car is broken into and your important documents are stolen?  What if your house is destroyed by a tornado or fire?  Now you can call our free National ID Recovery (NIDR) service and get professional assistance to notify the appropriate companies and government agencies and complete any required forms/letters to get your documents replaced without the normal hassle!  If done quickly and thoroughly, by NIDR, the time spent by you, the victim is cut down to just a few minutes.  If you have completed a Crisis Preparation Kit and have it stored safely in your Summit Credit Union Safety Deposit Box, NIDR can immediately cancel your credit cards and get replacements to you, complete the forms needed to replace your key identification documents (birth certificates, Social Security Card, Passport, driver's license) as well as other vital documents (marriage license, deed, insurance policies and more).

Why has Summit CU partnered with National ID Recovery to provide members with this important ID Theft Recovery Service?
National ID Recovery (NIDR) has developed a solution that really benefits our members. During the recovery process, NIDR doesn't just tell you to go to the FTC website and get the ID Theft Affidavit as many of the other companies would do. They will provide it to you inside your personalized ID Recovery Kit completely filled out and waiting for your notarized signature. And that’s not all, NIDR will provide every form needed to clear your name of all fraud and they all arrive together, organized with complete instructions and “yes” completely filled out.

You will find that during this most difficult time of finding out you’ve been victimized by Identity Theft, that you can rely on National ID Recovery to help you in every way possible. These are just a few of the things you can expect:  

• NIDR provides one Recovery Specialist who manages your case from beginning to end.
• NIDR provides you their ID Recovery Kit, which contains all the paperwork needed to clear your name of all fraud. The papers come organized with complete instructions and completely filled out.
• NIDR utilizes a special limited power of attorney so they can act quickly on your behalf. This allows them to do a complete managed recover. Without it, the recovery process would fall in your lap.
• NIDR will document the entire recovery process in an easy to follow time stamped journal format.
• NIDR will stay engaged until you have received all the proper clearing documents and your good name is cleared of all fraud.

How much does the National ID Recovery program cost?
The National ID Recovery service is FREE (a $99 per year value) for members of our My CU Club! Click [here] for information on our exciting My CU Club program and to see if you are a club member. Members from birth to age 22 and members age 55 and above automatically qualify for the Free ID Theft Recovery service!

Does the plan cover family members?
National ID Recovery’s ID Recovery plan covers My CU Club members and their immediate family members, all at no cost!

What happens if the identity theft occurred before my National ID Recovery’s ID Recovery plan became active?
Identity theft can take up to a year to discover, so if you’re a member of our My CU Club and discover an identity theft that happened long before, National ID Recovery services will help you recover your identity. If by chance you discover you’re a victim of identity theft and you haven’t become a My CU Club member yet, then you can purchase our one time ID Recovery service and we will act quickly to recover your identity.

Does National ID Recovery repair my credit?
National ID Recovery helps participants recover from an identity theft event by restoring affected accounts and working with the victim and credit reporting agencies to remove fraudulent accounts that can negatively impact your credit rating. These and other actions will help restore your credit rating over time.

What types of identity theft does National ID Recovery handle?

• Existing Credit
• New Credit
• Checking
• Savings
• ATM
• Debit Card
• Social Security Number
• Postal Service
• Local Phone Service
• Long Distance Phone Service
• Wireless Service
• Utilities
• Drivers License
• Passport
• Bankrupt
• Business
• Workplace
• Criminal
• Scholarship
• Investment
• Tax
• Internet
• Stolen License Plate
• Medicaid

Can I upgrade my National ID Recovery program?
Yes, for just $24 a year you can add valuable additional ID Theft Protection. Click [here] for full details on this affordable additional coverage opportunity!

What can I do to protect myself from identity theft?
There are several easy steps that can help you prevent identity theft. These include:

• Monitor your credit: You are entitled to a free copy of your annual credit report from each of the ‘big three’ monitoring firms (Equifax, Experian and TransUnion). Check your report on a regular basis for any errors or discrepancies.
• Say No: If merchants request your credit card number or Social Security Number on personal checks, politely decline
• Do not have your drivers license number printed on your personal checks
• Guard your mail and trash from theft
• Use passwords

How do thieves commit identity theft?
There are many avenues for criminals to obtain your personal identification and identity thieves are always coming up with new ones. Below are just a few of the more popular techniques thieves use:

• Shoulder Surfing: watching you from a nearby location as you punch in your calling card number or credit card number. The use of cell phones has enabled thieves to take snap shots of your credit cards and record you pin numbers.
• Dumpster Diving: sorting through garbage cans or dumpsters near your home or office to obtain copies of checks, credit card or bank statements or other documents that contain your personal data
• Pre-Approved Credit Cards: criminals will retrieve discarded pre-approved credit card materials and try to activate the cards for their use without your knowledge
• Via the Internet: criminals use spam mail trying to retrieve personal data

There is NO GOOD TIME for identity theft to happen to you... as a member of the My CU Club we stand ready to assist you should you need us. Just call our Member Service Call Center at 336-662-6200 or 800-632-0210 if you think you are a victim of identity theft.