Credit and IDENTITY THEFT PROTECTION blueprint for you
Credit Reporting & Score Delivery
Designed to meet your needs, we complete a credit report from each of the three credit bureaus (Experian, TransUnion, and Equifax. We are one of the first to indicate that your information has compromised. Take a look at your credit report and verify all of your information. We believe checking your report regularly is so vital that you have access to reports, which is something our competition does not offer.
Credit Monitoring
Changes made? Have insight when to your credit report profile with daily credit monitoring. When your report is delivered, check it thoroughly for inaccuracies, and a team of U.S.-based customer service professionals will assist you with your questions if anything looks suspicious. Regular credit checks, combined with credit monitoring power, empower you to see changes and act quickly if something unexpected happens.
See changes to your credit profile with daily credit monitoring alerts that include:
- Change on personal information
- Change on address
- Reporting of a delinquent account
- New public records
- New credit accounts and loans
- New credit inquiries
- New judgments
Enhanced Credit Monitoring
Enhanced credit monitoring effectively monitors your credit on a whole new level. You are alerted to changes when authorized users get added to your credit cards or when your TransUnion score changes by 10+ points. This feature puts you in the driver seat and enables you to see changes and take action if something doesn’t seem right. We want to give you the best, so we’ve gone above and beyond what others in the market offer and included this feature in select products.
Our Enhanced Credit Protection includes:
- Authorized card users
- Bankcard goes over the limit
- Closed trade lines
- Collections excluding medical
- A decrease in collection balances
- An increase in collection balances
- Lost / stolen card
- New charge-off
- New foreclosure
- Paid collections
- Paid trade lines
- The retail card goes over the limit
- The 10-point decrease in TransUnion credit score
- A 10-point increase in TransUnion credit score
Dark Web Monitoring
You may have heard a lot of talk about the dark web lately. So, what is it? The dark web is similar to the Internet we all know and love with a few key differences that make it ideal for criminal activity. Allowing criminals to enter an online version of the black market anonymously. The dark web is accessible with a particular browser. Within the dark web, anything can be bought and sold without regulation, oversight, or restriction. Thieves often go to the dark web and sell your information, along with thousands of other records of your information are compromised during a data breach. Dark web monitoring, also known as Internet or cyber monitoring, aids in identity theft prevention by keeping an eye out by scanning the dark web for information related to your identity. We scour the dark web for your SSN, name, mailing address, and other information you designate in over 25 languages through our global search. If we find anything suspicious, we notify you immediately.
Identity Protection
Your identity goes beyond your credit report, and so should your monitoring. When thieves get access to your identity, they use it in ways some of us would never think to do. One of the most impactful ways a thief abuses your identity is committing criminal acts in your name. We actively monitor international most-wanted lists and national criminal record databases for your information with Prosperous Credit Solutions. We search for records for both arrests and convictions connected to your name and date of birth, whereas other companies offering similar services search for beliefs. We don’t stop there. IdentityIQ monitors for any use of your Social Security Number within our network and alerts you of what we see. Other monitoring services will only alert you if your SSN is used with a wrong address or name. You are notified any time your SSN is used, so we make sure you’re informed. Also, we perform an enhanced change of address notification. We not only monitor for a change of address request with the credit reporting agencies, but we also monitor the National Change of Address registry to make sure you’re completely informed of changes made to your information.
Our Identity Monitoring includes:
- National and International Criminal Record Monitoring
- SSN Trace
- Enhanced Change of Address Monitoring
Application Monitoring
Thieves like to use stolen information to open new accounts. Often, you never know it happens until you pull your credit report and see charges that you never knew existed. We are actively searching for utility applications, payday loans, cell phone applications, and credit applications. We will still alert you when an application is submitted in your name so you can take action.
Identity Theft Insurance
Prosperous Credit Solutions will offer up to $25k in identity theft insurance for the primary member and provide you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. If you have out of pocket costs due to ID theft, receive up to $25k in identity theft insurance.
- Lost wages
- Legal experts
- Stolen funds reimbursement
25k ID Theft Coverage – provides up to $25k in coverage for: funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses, and up to $1,500 per week (five weeks maximum) for wages lost while resolving a stolen identity event—all of this with a $0 deductible.
Identity Restoration
When you see signs of identity theft, we are the experts who will be there when you need us most. If your identity is stolen, we are here to help you restore your identity personally. You will receive a dedicated case manager that is based in the United States. Your case manager will help you put together a plan of action and be with you every step of the way.
Family Protection
Identity theft impacts more than just adults. Children are especially vulnerable to synthetic identity theft, and children's stolen identities often go unnoticed until they reach adulthood. Prosperous Credit Solutions is here to protect everyone in your family. When you enroll in our Premium Plan, we not only provide you with up to $25k in ID Theft Insurance, we also include up to $25k for your children. Family members refer to enrollee's children. They must be under the age of twenty-four (24) and permanently live in the same residence as the enrollee at the time of the stolen identity event.
