Knowledge Center

IDSAFECHOICE – THE TRUSTED NAME IN IDENTITY THEFT PROGRAMS!

Concerned about identity fraud? Don’t hesitate to reach out to us. No need to confirm it first—we’re here to help. Our expert Recovery Advocates can:

• Investigate the extent of the issue, including reviewing all three credit reports (if needed)
• Place fraud alerts with the major credit bureaus
• Handle disputes on your behalf with letters and calls
• Collaborate with authorities, financial institutions, and creditors for resolution
• Assist in criminal prosecution with law enforcement
• Provide ongoing support for a year after recovery

Our identity fraud service covers all types, not just those related to your Labor CU account(s). This includes credit/debit card fraud, tax fraud, employment fraud, government document and benefits fraud, medical fraud, and any other recognized by the FTC. Plus, it extends to cover up to 3 generations of your family.

^{Terms and Conditions of Group Identity Theft Detection and Recovery Services}

^{1 Consumers who are eligible for the group identity theft detection and recovery service (“Services”) include all members of Labor Credit Union (“Group Member”). This is known as the “Eligibility Requirement”. Labor Credit Union is hereinafter referred to as the “Program Sponsor”.}

 ^{2 The Services are offered through a group services agreement (“Group Program”) with the Program Sponsor and the Service Provider and are extended to Group Members.}

^{3 Access to the Services (“Benefits Period”) begins when the Group Member first meets the Eligibility Requirement, and ends when the Group Member no longer meets the Eligibility Requirement or when Program Sponsor terminates the Group Program, whichever occurs first. You may find additional information about the Services at www.labor.org.}

^{4 The Services provide professionals to manage the detection, investigation, and remediation of incidents of identity fraud caused by Identity Theft. “Identity Theft” is defined as fraud that involves the use of any combination of a Group Member’s name, address, date of birth, Social Security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Group Member, and such information is used to commit fraud or other crimes. Only Identity Theft incidents that are discovered and reported to the Program Sponsor or the Service Provider during the Benefits Period will be covered by the Services.}

^{5 The Services may assist the Group Member in seeking reimbursement for funds stolen in the Identity Theft incident, and/or providing assistance for filing a claim for insurance, but do not provide a guarantee of reimbursement for financial losses of any kind arising from the Identity Theft incident.}

^{6 The Services are non-transferable and non-cancelable by the Group Member and have no cash equivalent. There is no fee for using the Services; however, the account or service to which the Eligibility Requirement is attached may have a fee, based on the provisions of the account/service agreement that the Group Member has with the Program Sponsor.}

^{7 Neither the Program Sponsor nor its contracted Service Provider can be held responsible for failure to provide or for delay in providing the Services when such failure or delay is caused by conditions beyond the control of the Program Sponsor and its Service Provider.}

^{8 The successful completion of the Services described herein depends on the cooperation of the Group Member. The Services may be refused or terminated if it is deemed that the Group Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her responsibilities as part of the Services, or has obtained the Services knowingly without meeting the Eligibility Requirement. The Services will not be refused or terminated due to the complexity of an identity theft case.}

^{9 The services do not include credit counseling or repair to credit no affected by fraud or identity theft.}

^{10 The Services are only available to residents of the United States. The Services are performed with agencies and institutions in the United States, or territories where U.S. law applies.}

^{11 To access the Services, Eligible Consumers can contact the local branch office of their Program Sponsor.}

^{12 The Services are offered through an Agreement with NXG Strategies, LLC, www.nxgstrategies.com}