Frequently Asked Questions
- Unfamiliar criminal records, court records, address information or bankruptcies
- Unexplained charges or withdrawals
- Failing to receive bills or other mail — this may signal an address change initiated by an identity thief
- Being served court papers or arrest warrants for actions you did not commit
- Receiving credit cards for which you did not apply
- Being denied credit for no apparent reason
- Receiving calls or letters from debt collectors or businesses about merchandise or services you did not buy
- Broad monitoring network, including the top 10 regional banks and credit unions
- Bank of America, BB&T, Capitol One, JPMorgan Chase, and Wells Fargo
- Visa and MasterCard
- 49.6 million new credit and demand deposit accounts new inquires annually
- Bank Account Application Notification – If your personal information has been used to apply for a new bank account, you will receive this notification and instructions on what to do next.
- Bank Account Opening Notification — If your personal information has been used to open a new bank account, you will receive this notification and instructions on what to do next.
- Bank Account Takeover Notification — If changes to account contact information or attempts to add new account holders are detected, you will receive this notification and instructions on what to do next.
- Credit Card Application Notification – If your personal information has been used to apply for a new credit card, you will receive this notification and instructions on what to do next.
- Credit Card Opening Notification– If your personal information has been used to open a new credit card account, you will receive this notification and instructions on what to do next.
- Over 509 million records mapping to federal, state, city, and county level jurisdictions
- Over 60 million incarceration records spread across 2,100 police organizations covering over 70% of national bookings
- 99 million Department of Corrections (DOC) parole, probation, and incarceration records
- Over 4.9 million warrant records. 98 county, state and city level warrants reporting 664 of 3,248 counties in 50 states and Puerto Rico
- Over 9 million arrest records
- Over 330 thousand government records, such as Most Wanted and terrorist lists
- Contact your credit card issuer or banking institution
- Review your credit report for indications of identity theft
- Place a fraud alert or security freeze with the three credit bureaus
FACTS ABOUT IDENTITY THEFT
You’ve heard of identity theft, but what does it mean? Identity theft is officially defined as the deliberate assumption of another person’s identity. Going far beyond credit card fraud, identity theft is a rapidly growing crime that most people will face at some point in their lives. In practice, it is a crime where a criminal acquires and uses the victim’s personal information — such as a Social Security or driver’s license number — to take out loans, obtain new credit cards, rent an apartment, purchase a car, run up debt, file for bankruptcy, and other criminal activities. Identity theft can not only damage someone’s creditworthiness, it can also create unknown criminal records that can result in the identity theft victim being wrongly arrested or denied employment upon a routine background check.
Generally, personal information such as name, email, passwords, Social Security number, driver’s license number, medical record, as well as financial information like debit and credit card numbers are taken when a breach occurs.
Use IDnotify to monitor both your financial and public record information and look for:
Although any of these indications could be a result of a simple clerical error, you should not assume that there’s been a mistake and do nothing. Always follow up with the business or institution to find out.
In some cases, the credit reporting agency may commit errors on your report — the incorrect information may simply be a mistake. However, an error on your credit report could indicate that an identity theft event has occurred.
Each credit reporting agency generates a score derived from what is reported about you. A creditor may report to one, two, or all three of the national credit bureaus. As a result, the information one credit bureau has may be different than another, resulting in a different credit score.
What if the notification I receive references only some of the personal information IDnotify is tracking?
This service monitors your personal information against transactions from hundreds of financial institutions across all 50 states, including:
How soon will I receive a Financial Account Takeover if my personal information is found compromised?
This service monitors your name and SSN, and will notify you daily if unusual or high-risk activity is detected. If detected, you will receive the following notifications:
Court Records and Bookings Monitoring searches court records and bookings data sourced from the following places:
How soon will I receive a notification after a new court record is entered or a booking incident occurs?
What do I do if there is a name or address in the Social Security Number Trace status check that I don’t recognize?
As specialists, we’ll help you determine if an identity theft event has occurred and guide you through any necessary restoration activities. We may take the following actions on your behalf: