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FAQS

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What is Credit Monitoring?

Credit Monitoring includes monitoring of changes reported to one or all three
national credit bureaus (Experian, Equifax and TransUnion) depending on whether
you have single or tri-bureau monitoring enabled. Changes monitored include
personal information, public records, inquiries, new account openings, and
existing accounts reported past due.

What is a Credit Report?

A Credit Report is a snapshot of your experience with credit-related accounts.
Aside from some basic personal information, such as your name and address to
help identify your report, there are three main types of information on your
Credit Report:

 * Public Records: Court-related information, including bankruptcies, state and
   county court records, tax liens, monetary judgments, and in some states,
   overdue child-support payments.
 * Credit Inquiries: Names of businesses or individuals that have obtained a
   copy of your credit report, including lenders, landlords and employers.
 * Accounts: Payment history on all your Real Estate, Installment, and Revolving
   Credit Accounts.

What should I do if I receive an alert for something that didn’t happen?

In some cases, errors may appear on your credit file and the incorrect
information may trigger an alert. Nevertheless, if you see a credit alert that
is not accurate please contact Experian IdentityWorks at 877-890-9332.

How often is my credit monitored?

Credit bureau alerts are generated through consistent monitoring, and are
distributed daily. A credit bureau file is monitored daily and any alerts
triggered as a result of new inquiries and/or adjustments made to a credit file
are sent to you via email.


FAQS

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Where does Internet Surveillance’s data come from?

Internet Surveillance’s data comes from Internet forums and websites, web pages,
IRC channels, refined PII search engine queries, Twitter feeds, P2P sources,
hidden and anonymous web services, malware samples, botnets, and torrent
sources.

What time range does my initial Internet Surveillance report cover?

Your first Internet Surveillance report includes data from the previous 8 years.
This means that Internet Surveillance searches the prior 8 years of records it
has collected for a match to the personal information you are monitoring.

What does it mean when I receive an alert?

Your Internet Surveillance service tracks Internet activity for signs that the
personal information you’ve asked us to monitor is being traded and/or sold
online. This alert means that our surveillance technology has discovered
information on the Internet that is a match to your monitored identity elements.

What if the alert references only some of the personal information Internet
Surveillance is tracking?

Even if only some of your personal information has been detected by Internet
Surveillance, it is recommended that you contact the appropriate institution to
have your account information changed, or change your account information
yourself if possible - like changing the password to your email account. It is
safe to assume that if some of your information is compromised, all of it is.
You may also want to review a copy of your credit report to ensure that all of
the information that appears there is familiar to you.

Is the buying and selling of others’ personal information online illegal?

This activity is illegal in the United States, but other countries do not
necessarily have the same laws as related to cyber crime. United States
regulatory agencies have no jurisdiction to prosecute fraudsters acting on
websites and chat rooms located in other countries.

Can I still become a victim of identity theft even though I am enrolled in
Internet Surveillance?

Internet Surveillance reduces your risk of identity theft by letting you know
sooner if your personal information is compromised, and in turn enabling
prevention or quick resolution of an identity theft incident. In addition to
Internet Surveillance, you also have identity theft insurance and recovery
services to help alleviate some of the financial burden of identity theft and
guide you through the often confusing and difficult process. Unfortunately, no
identity protection tool can prevent identity theft altogether.




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