{"id":13060,"date":"2024-10-23T15:33:09","date_gmt":"2024-10-23T22:33:09","guid":{"rendered":"https:\/\/www.soundcu.com\/?p=13060"},"modified":"2024-10-23T15:33:10","modified_gmt":"2024-10-23T22:33:10","slug":"fraud-defender-safeguarding-your-identity","status":"publish","type":"post","link":"https:\/\/www.soundcu.com\/blog\/fraud-defender-safeguarding-your-identity\/","title":{"rendered":"Fraud-Defender: Safeguarding Your Identity"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blue co-flex_row__long-form-text co-flex_row__next_row__faqs\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start \">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><h2 style=\"text-align: left;\">Fraud-Defender: Safeguarding Your Identity<\/h2>\n<p style=\"text-align: left;\">Fraud-Defender is a fully managed identity theft monitoring and recovery program that takes the work out of identity theft recovery. Covered individuals receive one-on-one help from a professional recovery advocate to give you peace of mind and help take the guess work out of ID theft recovery.<\/p>\n<p style=\"text-align: left;\">Recovery services are available for compromised identity and identity theft events of all types, and coverage is not limited to the account(s) you have with Sound Credit Union.<\/p>\n<p style=\"text-align: left;\">Fraud-Defender also provides credit monitoring services through a custom-designed interface with your TransUnion credit data. This provides you with continuous monitoring of credit activity.<\/p>\n<p style=\"text-align: left;\"><a href=\"https:\/\/soundcufd.merchantsinfo.com\/default.aspx\" rel=\"noopener\"><span class=\"co-button\">Register Now<\/span><\/a><\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__faqs co-flex_row__next_row__blog-feed\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<section class=\"co-accords_section\" aria-label=\"Get the answer you're looking for.\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Get the answer you&#8217;re looking for.<\/h2>\t\t<\/header>\n\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"8799\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">How does Fraud-Defender differ from other identity theft programs?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>If you are covered by Fraud-Defender and experience an identity theft event, you are assigned a recovery advocate who develops a customized Identity Recovery Plan and does all the legwork for you. Most other identity theft recovery programs include limited event, assisted or semi-managed recovery\u2014requiring you to have the time, skills and knowledge to perform many of the recovery tasks yourself.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"8798\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">When does coverage begin?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Coverage begins on the date you enroll and covers any identity theft events discovered after your effective coverage date.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"8797\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">What happens after I report an occurrence?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>A Fraud-Defender personal recovery advocate will be assigned to your case and will contact you within one business day. Your recovery advocate will place fraud alerts on your credit file, and complete a threat assessment to determine if any identity theft has occurred.<\/p>\n<p><strong>If identity theft has occurred, your recovery advocate will:<\/strong><\/p>\n<ul>\n<li>Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.<\/li>\n<li>Activate credit monitoring during your recovery to help you watch for additional signs of abuse.<\/li>\n<li>Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of official documentation of your identity.<\/li>\n<li>Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, credit unions, utility companies, leasing agents, medical facilities, etc.<\/li>\n<li>Follow up to make sure all wrongful activity is reversed and removed from your records.<\/li>\n<li>Work with local and federal law enforcement to try to stop the criminal(s) who is using your identity.<\/li>\n<li>Activate other members of the recovery team to assist when necessary, including professional investigators.<\/li>\n<li>Provide 12 months of follow-up after your recovery is complete.<\/li>\n<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"8796\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">What is credit monitoring?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Credit monitoring is a service that identifies changes in your credit file and credit activity. Fraud-Defender credit monitoring is provided through a custom-designed interface to TransUnion credit data, providing you with continuous monitoring of credit activity. You will receive daily email alerts if there are changes in your credit file which may indicate identity theft. If there are no changes, you will receive an \u201call is well\u201d email at least once a month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"8795\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">Who can enroll in credit monitoring?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Any individual, 18 or older, who is covered by Fraud-Defender.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"8794\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<span class=\"text-md\">Do I need an email address in order to have identity theft protection?<\/span>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Yes. In order to participate in Fraud-Defender, you must have your own unique email address.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__blue co-flex_row__last co-flex_row__blog-feed\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t<div class=\"co-bf\">\n\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Expand your knowledge on ways to protect yourself and your identity.<\/h2>\t\t<\/header>\n\t\t<div class=\"co-bf--list prow prow-md:2 prow-lg:3\">\n\t\t<div class=\"co-post_tile co-columns--box\">\n\t<img loading=\"lazy\" decoding=\"async\" width=\"396\" height=\"264\" src=\"https:\/\/www.soundcu.com\/files\/castle-2688920_640_keyboard_padlock-396x264.jpg\" class=\"co-post_tile--img co-columns--box_image wp-post-image\" alt=\"Basic tips to keep your computer and identity safe\" srcset=\"https:\/\/www.soundcu.com\/files\/castle-2688920_640_keyboard_padlock-396x264.jpg 396w, https:\/\/www.soundcu.com\/files\/castle-2688920_640_keyboard_padlock-540x359.jpg 540w, https:\/\/www.soundcu.com\/files\/castle-2688920_640_keyboard_padlock-75x50.jpg 75w, https:\/\/www.soundcu.com\/files\/castle-2688920_640_keyboard_padlock.jpg 640w\" sizes=\"auto, (max-width: 396px) 100vw, 396px\" \/><h2 class=\"co-post_tile--box_headline co-columns--box_headline\" > <a href=\"https:\/\/www.soundcu.com\/blog\/basic-tips-to-keep-your-computer-and-identity-safe\/\" class=\"link\">How to Keep Your Computer and Identity Safe<\/a><\/h2>\t<div class=\"co-post_tile--box_desc co-post_tile--excerpt co-columns--box_desc\">\t\t\n\t\t<p>Don\u2019t use public computers or public or unsecured Wi-Fi for sensitive transactions. <a href=\"https:\/\/www.soundcu.com\/blog\/basic-tips-to-keep-your-computer-and-identity-safe\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n\t<\/div>\n<\/div><div class=\"co-post_tile co-columns--box\">\n\t<img loading=\"lazy\" decoding=\"async\" width=\"396\" height=\"258\" src=\"https:\/\/www.soundcu.com\/files\/Untitled-design-3-396x258.jpg\" class=\"co-post_tile--img co-columns--box_image wp-post-image\" alt=\"using ai to automate routine tasks\" srcset=\"https:\/\/www.soundcu.com\/files\/Untitled-design-3-396x258.jpg 396w, https:\/\/www.soundcu.com\/files\/Untitled-design-3-540x351.jpg 540w, https:\/\/www.soundcu.com\/files\/Untitled-design-3-730x475.jpg 730w, https:\/\/www.soundcu.com\/files\/Untitled-design-3-768x500.jpg 768w, https:\/\/www.soundcu.com\/files\/Untitled-design-3-75x49.jpg 75w, https:\/\/www.soundcu.com\/files\/Untitled-design-3.jpg 842w\" sizes=\"auto, (max-width: 396px) 100vw, 396px\" \/><h2 class=\"co-post_tile--box_headline co-columns--box_headline\" > <a href=\"https:\/\/www.soundcu.com\/blog\/how-to-spot-a-scam-and-protect-your-money\/\" class=\"link\">How to Spot A Scam And Protect Your Money<\/a><\/h2>\t<div class=\"co-post_tile--box_desc co-post_tile--excerpt co-columns--box_desc\">\t\t\n\t\t<p>Scams abound these days, all of them designed to steal your money, sometimes over the long haul, sometimes in a single transaction. <a href=\"https:\/\/www.soundcu.com\/blog\/how-to-spot-a-scam-and-protect-your-money\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n\t<\/div>\n<\/div><div class=\"co-post_tile co-columns--box\">\n\t<img loading=\"lazy\" decoding=\"async\" width=\"396\" height=\"261\" src=\"https:\/\/www.soundcu.com\/files\/iStock-1077259686social-396x261.jpg\" class=\"co-post_tile--img co-columns--box_image wp-post-image\" alt=\"Identity Theft: How to Protect Yourself From Scammers\" srcset=\"https:\/\/www.soundcu.com\/files\/iStock-1077259686social-396x261.jpg 396w, https:\/\/www.soundcu.com\/files\/iStock-1077259686social-540x356.jpg 540w, https:\/\/www.soundcu.com\/files\/iStock-1077259686social-75x49.jpg 75w, https:\/\/www.soundcu.com\/files\/iStock-1077259686social.jpg 640w\" sizes=\"auto, (max-width: 396px) 100vw, 396px\" \/><h2 class=\"co-post_tile--box_headline co-columns--box_headline\" > <a href=\"https:\/\/www.soundcu.com\/blog\/identity-theft-how-to-protect-yourself-from-scammers\/\" class=\"link\">Identity Theft: How to Protect Yourself From Scammers<\/a><\/h2>\t<div class=\"co-post_tile--box_desc co-post_tile--excerpt co-columns--box_desc\">\t\t\n\t\t<p>During webinar we&#8217;ll cover what identity theft is, including how it occurs, how thieves use your information, how to protect yourself, and what to do if you become a victim. <a href=\"https:\/\/www.soundcu.com\/blog\/identity-theft-how-to-protect-yourself-from-scammers\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n\t<\/div>\n<\/div>\t<\/div>\n\t<\/div>\n\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn more about Fraud-Defender, a fully managed identity theft monitoring and recovery program. <a href=\"https:\/\/www.soundcu.com\/blog\/fraud-defender-safeguarding-your-identity\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":13,"featured_media":13066,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_searchwp_excluded":"","footnotes":""},"categories":[23,50],"tags":[],"class_list":["post-13060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-advice","category-life-finances"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/posts\/13060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/comments?post=13060"}],"version-history":[{"count":5,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/posts\/13060\/revisions"}],"predecessor-version":[{"id":13092,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/posts\/13060\/revisions\/13092"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/media\/13066"}],"wp:attachment":[{"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/media?parent=13060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/categories?post=13060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.soundcu.com\/wp-json\/wp\/v2\/tags?post=13060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}