The incidents of Identity Theft and Identity Fraud have increased in recent years according to the United States General Accounting Office.  The solution suggested by the Federal Trade Commission is to obtain a credit bureau credit report on an annual basis and carefully review the content.

However, the problem with the FTC suggestion is that the information is only as good as the last credit report obtained.

The Identity Theft Monitor is designed to monitor the Consumer's credit report file on a daily basis and provide alerts of potentially fraudulent activity.

The Identity Theft Monitor will trigger an "Alert" if any of the following occurs:

In the event of an Alert, the Consumer is contacted by E-mail or cell phone Text Message to provide maximum flexibility.  Each Alert is produced by a specific "Alert Template" that allows the Marketing Department to formulate the specific message best suited to its Consumers.

In addition, if there are no Alerts generated in a thirty day period, a marketing message is sent to the Consumer that their credit file has had no material changes, and the monitoring will continue.

The Consumer can be provided a credit report upon the initial subscription, and on an ongoing frequency selected.  This allows the Consumer to visually inspect their credit report more frequently than the FTC suggestion.

The Identity Theft Monitor also provides the ability to offer multiple subscription product types with flexible billing options including spouse and family discounts.

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