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®.


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.


  • 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.

  • 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 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 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 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 a VantageScore®?

    VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk. 

    There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file. 

    There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial

Security Articles

Text Message Scams

It’s more common than you’d think. In text messages, scammers often impersonate Visions, Visa®, and other organizations in order to access personal information, bank accounts, credit cards, and more. It’s called “smishing.” And they’re targeting consumers just like you.

How to Handle Unexpected Checks

How to Handle Unexpected Checks Did you get a check in the mail you weren't expecting? Maybe even one you were expecting, but it looks a little funny? There are ways to verify it to make sure you're not depositing a counterfeit check – and it all starts with the source. Checks…

Referral Program

Get rewarded for sharing Visions with your friends and family.

Get $25 when they open an account!

Refer Now

Visions Federal Credit Union

Log in here with your Online Banking ID:

Online Enrollment

Forgot Password

Forgot User ID/Unlock Account

You are leaving the Visions Federal Credit Union web site. The privacy and security policies of the external link may differ from Visions Federal Credit Union. Visions Federal Credit Union does not own or control external links and is not responsible for the availability or accuracy of their content.