Protect your identity by knowing what's going on with your personal data.
Being confident about the security of your private information can be challenging in today's digital world. Protect your identity with IDnotify®, a premium monitoring service offered to Visions Federal Credit Union members through Digital Banking at no cost.
Help to stop fraud before it starts.
IDnotify® Identity Theft Protection empowers you to take control of your personal data through:
Credit Monitoring including a monthly Experian® Credit Report to alert you to critical changes.
- Monthly VantageScore®3 from Experian and VantageScore Tracker
- Experian® VantageScore Simulator
- Experian® Credit Limit Utilization and Balance Alerts
Internet Surveillance and Dark Web Monitoring of your most valuable data, like your passport, driver's license, Social Security number, credit/debit cards, bank accounts, phone numbers and more.1
- Court Record Monitoring
- Sex Offender Monitoring
- Change of Address Monitoring
- Dark Web Monitoring
- Social Security Trace Monitoring
- Non-Credit “Pay-Day” Loan Monitoring
- Adult Social Network Monitoring
Assisted Identity Restoration from an expert Experian® Identity Restoration team who is there to support you 24/7/365 if compromised data is found to be a case of identity theft.
Up to $1M Identity Theft Insurance for certain expenses associated with a stolen identity event, subject to the terms of the policy.2
Family Protection for your children's credit. IDnotify® checks for fraudulent names, aliases and addresses associated with your minor child's SSN, and searches the internet for matches to your minor child's monitored information to help protect them against identity theft.1
It's your identity. Protect it with IDnotify® by Experian®.Enroll today through Digital Banking
Looking to learn more about identity theft?Additional Identity Theft Resources
Frequently Asked Questions
- What is identity theft?
Identity theft is officially defined as the deliberate assumption of another person's identity. It occurs when 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 is a growing concern because it can not only damage someone's creditworthiness, it can also be flagged on routine background checks.
- What is the IDnotify® enrollment process like?
Enrolling in IDnotify® takes only a moment. Log in to Digital Banking and select the IDnotify® by Experian® menu option. You will be asked to supply your date of birth so we can confirm your identity and ensure that we monitor the right data. That's it!
- How is IDnotify® different from the FICO® Score service already offered through digital banking?
The FICO® Score service shows you your current and past credit scores using the same scoring model that Visions uses to assess your credit on consumer loans with Visions. It displays your top score factors and general educational information about what impacts your score.
IDnotify® is a premium identity theft monitoring and restoration service that combines credit education and credit score and report details for a comprehensive offering. Combined with our FICO® Score service, Visions members have a holistic understanding of their credit, tools to monitor and improve their credit, and the peace of mind with identity theft protection.
- What do I do if I am having trouble enrolling in IDnotify® or the IDnotify® page is not launching?
The main reason enrollment or access may seem to be malfunctioning is that your browser is not allowing pop-ups. IDnotify® opens in a new browser window and pop-ups must be allowed in your browser.
- How does IDnotify® by Experian® keep my information safe?
Experian® maintains a highly secure environment with best-in-class security measures and policies in place to ensure the utmost secure handling of all data.
- How can I tell if I am a victim of identity theft?
In addition to enrolling into IDnotify®, monitor both your financial and public record information and look for any of these occurrences:
- 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
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.
- What should I do if I believe I am a victim of identity theft?
IDnotify® members may contact Experian's specialists anytime via the phone number or email address listed in the IDnotify® experience within Digital Banking for additional assistance.
- How is identity theft different from financial fraud?
The term “financial fraud” covers common credit card, check and debit card fraud. When a criminal uses your credit cards or debit cards to make a purchase, he or she usually hasn't assumed your identity. Recovering from financial fraud is relatively easy, since most creditors don't hold you liable for fraudulent charges.
- What else can I do to help minimize my risk of identity theft?
Keep important documents safe. Don't carry extra credit cards, Social Security cards, birth certificates or passports, if not needed. Consider opening a Visions Federal Credit Union Safe Deposit Box. Stop by your local branch to inquire about availability.
Think before you share. Be wary of suspicious messages, links, and requests for personal information.
Consider investing in a shredder. Shred your receipts, credit card offers, bank statements, returned checks and any other sensitive information before throwing it away.
Cover your bases. Ensure that your employer, landlord, and anyone else with access to your personal data keeps your records safe.
Read your credit report. Make sure your credit reports are accurate. If you spot an inaccuracy, follow up.
Keep your SSN under wraps. Do not print or write down your SSN on any document that could fall into the hands of identity thieves, like checks.
Don't use weak passwords. Using passwords that include a mix of letters, numbers, and special characters makes it harder for identity thieves to crack these codes.
Account holders must enroll into IDnotify® via Visions Federal Credit Union Digital Banking to receive this service at no cost. Service will be cancelled for clients who no longer have an active membership with Visions Federal Credit Union. Members with Business products or services only do not qualify for IDnotify®.
1 Desired information to be monitored must be entered by the member in order for specific information to be monitored by IDnotify®.
2 The Identity Theft Insurance 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.
3 Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Learn more about VantageScore.