Help Better Protect Your Identity
Navy Federal Credit Union provides eligible members with Identity Theft Restoration Assistance¹ at no cost and discounts on several Equifax credit monitoring and identity theft protection products. If you suspect you're a victim of identity theft, please call us at 1-888-842-6328. We'll work with you to help restore your identity and prevent further damage.
What You Need to Know:
The Equifax Credit Score and 3-Bureau credit scores are based on the Equifax Credit Score model. Third parties use many different types of credit scores and won't use the Equifax Credit Score or 3-Bureau credit scores to assess your creditworthiness.
Equifax Credit Monitoring and Identity Theft Protection Products
|Products||Bronze Shield||Gold Shield||Platinum Shield|
|Credit File Monitoring3||Equifax||Equifax 3-Bureau||Equifax 3-Bureau|
|Automatic Fraud Alerts4|
|Lost Wallet Assistance||Equifax Credit File Lock6|
|Equifax Credit Score Monitoring|
|Equifax 3-Bureau Credit Report With Credit Scores|
|Identity Theft Insurance7||Up to $25,000||Up to $1,000,000||Up to $1,000,000|
|Learn more about Bronze Shield||Learn more about Gold Shield||Learn more about Platinum Shield|
Active Duty Military–Deploying Soon?
Place an Active Duty Alert on your credit report to help minimize your risk of identity theft.
- Your name will be removed from any pre-screened credit and insurance offers for up to two years, unless you request that your name be added.
- The alert will last for one year and will require creditors to verify your identity before granting credit in your name.
Want to know more?
For questions regarding your credit report, please contact the credit bureaus directly.
- Request Credit Report
- Federal Trade Commission's Identity Theft
- Equifax Online Disputes
- Equifax Fraud Alerts
You may cancel at any time; however, we do not provide partial month refunds.2
With a fraud alert, potential lenders are encouraged to take extra steps to verify your ID before extending credit.
1Identity Theft Restoration Assistance is provided by a third party and as a courtesy to eligible Navy Federal members. Navy Federal is not responsible for the assistance provided by the third party.
2Equifax will require you to provide your payment information when you sign up. Equifax will immediately charge your card the stated price above and will charge the card that amount for each month you continue your subscription. You may cancel at any time; however, Equifax does not provide partial-month refunds.
3Credit monitoring from Experian and TransUnion will take several days to begin.
4The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on behalf by Equifax Consumer Services LLC.
5Internet scanning will scan for your Social Security Number (if you choose to), up to 5 bank account numbers, up to 6 credit/debit card numbers that you provide, up to 3 email addresses, up to 10 medical ID numbers, and up to 5 passport numbers. Internet Scanning 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 we are able to locate and search every possible internet site where consumers' personal information is at risk of being traded.
6Equifax credit file lock, branded Equifax Credit Report Control™, is only available while you have a current subscription to Equifax Gold Shield or Equifax Platinum Shield. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions that provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.
7Up to $25,000 and $1 million identity theft insurance underwritten by subsidiaries or affiliates of American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only, and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.
Equifax® is a registered trademark and Equifax Complete™ is a trademark of Equifax Inc. Experian® and TransUnion® are trademarks of their respective owners. © 2017, Equifax Inc., Atlanta, Georgia. All rights reserved.