Citizens National Bank and Kroll Fraud Solutions, the leading provider of identity theft and fraud investigation services, have partnered together to introduce ID TheftSmart™ service to you. If you are ever a victim of identity theft, it can be a very time consuming and overwhelming process to repair the damage. As a victim, you expect real solutions to help you restore confidence and your reputation. CNB offers three tiers of ID TheftSmart™ protection.
ID TheftSmart™ Consultation + Restoration
ID TheftSmart™ Consultation + Restoration is your answer in the event your identity is ever compromised. Investigators will work on your behalf to restore and preserve your identity. Not only will you receive full service identity restoration from a licensed experienced investigator should you become a victim, but you will also have a resource to help answer questions or provide guidance on security and fraud related concerns, in order to head off possible issues before they materialize.
If your identity is stolen, our licensed ID TheftSmart™ investigators will:
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Confirm identity fraud and determine its nature and scope
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Assist in obtaining a police report
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Provide a tri-merged credit report and perform full non-credit searches
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Work on your behalf until ALL identity theft issues have been verifiably resolved
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Place seven-year fraud victim statements with credit reporting agencies, when applicable
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The price of this service is only $2.99 per customer per month for a full service restoration solution.
ID TheftSmart™ idINTEGRITY Scan™
ID TheftSmart™ idINTEGRITY Scan includes all of the benefits of the ID TheftSmart™ Consultation + Restoration service as well as enhanced monitoring. IDINTEGRITY Scan™ encompasses three separate services designed to alert you when you non-credit related information has changed or is detected on the Dark Web.
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Web Watcher: Routinely scans the Dark Web along with internet directories, hacker chat rooms, and public and private databases, looking for suspicious activity. Information to be monitored is input through a secure online registry. When a status change in the monitored information is detected, an email alert will be promptly sent.
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Address Aware: Reports on and monitors address history with the United States Postal Service®. You will receive an 18-month address history report and alert you if a fraudulent attempt is made to change your mailing address.
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Public Persona: Monitors credit header data for names, aliases and addresses that are associated with your Social Security number. Upon enrollment you will receive a history report of all your credit header data that has appeared on your credit record for the past 18 months. Data found that you do not recognize as your own, may be a sign of fraudulent activity. Public Persona also monitors for ongoing changes and will alert you if the initial report you receive is updated with any new information.
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The price of this service is only $6.99 per customer per month for a full service monitoring solution that includes identity restoration.
ID TheftSmart™ Premium
ID TheftSmart™ Premium combines all of the benefits of the ID TheftSmart™ Consultation + Restoration and the ID TheftSmart™ idINTEGRITY Scan services, plus additional triple credit bureau monitoring. ID TheftSmart™ Credit Monitoring is designed to provide alerts if you ever experience unusual activity on your credit report. Through this service, you will receive alerts when one of the following activities is detected on your credit report:
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New account opening
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Credit inquires
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Payment delinquency
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Public record changes
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Change of address
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Plus eight additional categories
Alerts are available online. Online delivery alerts are provided on a daily basis and notification of no activity is delivered on a monthly basis. The price of ID Theft Premium is only $12.99 per customer per month. This fee also includes the Identity Theft Protection service for the entire household.
If you would like more information on how you can add the security and protection of the ID TheftSmart™ program, please call or visit one of our branch locations.
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