Each year, tens of millions of Americans fall victim to identity theft. Restoring your identity and credit can be a lengthy, costly, and confusing process.
InfoArmor® offers PrivacyArmor® to help safeguard your finances, reputation, and credit against theft and abuse.
Our proprietary monitoring platform detects high-risk activity to alert you at the first sign of fraud. We monitor financial transactions, keep tabs on your credit reports, and utilize bots and operatives to locate your credentials on the dark web.
Should identity theft or fraud occur, you have a dedicated Privacy Advocate® to fully manage your recovery and restore your identity. And since fraud doesn’t take a holiday, our Privacy Advocates are available 24/7.
You never have to worry about covering the costs of identity theft. PrivacyArmor’s $1 million identity theft insurance policy† covers any out-of-pocket expenses, lost wages, or legal fees.
Access to your full PrivacyArmor capabilities begins the day you enroll.
We immediately begin monitoring your credit and non-credit accounts for fraud, including any social media and financial accounts you provide.
We alert you to any activity associated with your account.
In the event of identity theft, we fully manage the process of recovering your identity, credit, and sense of security — so you can spend more time doing what really matters.
Our $1 million identity theft insurance policy covers the costs associated with reinstating your identity.
A criminal steals physical mail from your mailbox and uses the information to open or change accounts for their financial gain
Companies who have your information are hacked or expose your sensitive data through human error or faulty security settings
You accidentally click a malicious link and/or give away your personal information, which results in account takeover or stolen funds
You connect to an unsecured or hacked network and input details, exposing credentials or sensitive information that cybercriminals can exploit
A criminal gains your credit card information from skimmers or online accounts and makes fraudulent charges to your account
Once they have your information, identity thieves can access your funds by draining your financial accounts
It’s easy for identity thieves to use your information to open credit cards, cell phone accounts, and even loans in your name
If a thief has your medical insurance information, they can get medical treatment in your name, which puts false information on your medical history
If a thief files your taxes before you do, they will get your return — creating a logistical nightmare for years to come
Restoring your identity requires many steps, including freezing your credit, calling and canceling all affected accounts, and in some cases, filing police reports and dealing with federal agencies.
Figuring out who to contact can be a frustrating and opaque process. Making these calls can require you to take time off of work and spend it away from your loved ones, placing further strains on your professional, personal, and financial lives.
However, if you have PrivacyArmor, you’ll get a dedicated Privacy Advocate who works to resolve your identity, saving you time, money, and a lot of hassle.
The average time for a person to resolve identity theft on their own
On your effective date, you’ll receive instructions to set up your username and password. Once you’re set up and logged in, take a few minutes to check out everything PrivacyArmor has to offer.
You get to choose what information you want us monitor. The more you provide, the faster we can identify a problem and the more protected you are.
We alert you about transactions like new inquiries, accounts in collections, new accounts, and bankruptcy filings. We also provide credit reports and scores from TransUnion.
Want us to keep an eye on your financial accounts? Simply input the credentials, and alerts will trigger from sources such as bank accounts, thresholds, credit and debit cards, 401(k)s, and other investment accounts to help you take control of your finances.
We utilize bots and human intelligence operatives to search the dark web for compromised credentials. We then alert members who have been compromised.
We monitor Facebook, Instagram, Twitter, and LinkedIn accounts for cyberbullying, vulgarity, inappropriate content, and more. Simply connect the accounts you want monitored, and we’ll alert you.
Easily store, access, and replace wallet contents. Our secure vault conveniently stores important credit cards, credentials, and documents.
PrivacyArmor enables you to see what personal information is publicly available on the internet.
You don’t have to do any active monitoring; any time we notice activity on any of your monitored accounts or credentials, we’ll send you an alert. If you notice activity that wasn’t you or seems suspicious, simply mark that it wasn’t you, and a Privacy Advocate™ will contact you.
If you are the victim of fraud or theft, a dedicated Privacy Advocate will help you through every stage of resolving it. That means you don’t have to figure out who to call, scour webpages for the correct forms, or worry about how much undoing theft will cost you. That’s because we’ll reimburse you for any out-of-pocket costs related to resolving your identity theft.
Have an identity theft issue before you joined PrivacyArmor? Not a problem! We will honor the full benefits of the membership at no extra cost and fully remediate any existing issues.
Our expert Privacy Advocates work in-house and are available 24/7. They are trained and certified to handle and remediate every type of identity fraud case.
We use our proprietary software to proactively monitor various sources. Through PrivacyArmor®, you will also have the power to create thresholds for your bank accounts, allowing you to receive alerts for suspicious financial transactions outside of your set limits.
We monitor your credit reports and credit-related accounts to help determine if someone is using your name fraudulently, and we scour the dark web to check for your compromised account credentials that could lead to unauthorized account access. While we can’t prevent fraud, we can and do alert you at its very first sign, then work tirelessly to resolve the fraud and restore your identity.
We know that tracking your own identity is cumbersome and fraught with unknowns, so we’re here to take the burden off your shoulders so you can live life confidently.
Our predictive technology detects when an identity is at elevated risk for theft and allows us to help you take necessary precautions, including placing fraud alerts, credit freezes, and pulling credit reports. Our proprietary technology goes beyond credit monitoring, allowing us to catch fraud as it happens — not after the damage has been done.
We know that protecting your information is of the utmost importance, so all our employees, consultants, contractors, and vendors adhere to a comprehensive information security policy when interacting with InfoArmor and its information. Customer data is stored in a state-of-the-art data center (SSAE 16 SOC1 and SOC2 Type II accredited and with HIPAA-ready infrastructure) and is only accessible via secure, encrypted connections.
InfoArmor never sells the information your provide us to third parties.
While InfoArmor’s service includes credit monitoring, monthly scores, and credit reports, we know that credit is just one aspect of identity protection. We detect a more expansive range of identity theft beyond the range of traditional credit accounts. This can include high-risk transactions (suspicious non-credit activity) and compromised credentials on the dark web.
Please note that unlike a bank, we do not monitor all transactions at every business, nor do we monitor for every possible transaction type. However, using PrivacyArmor’s financial threshold monitoring will give you greater control over your existing bank accounts than your bank’s fraud monitoring alone. If you’d like more details on financial threshold monitoring, please contact the Privacy Advocate team.
Every month, we’ll email you updates with your Identity Health level and any active alerts. You will also receive alerts when we detect an issue or suspicious activity. If that activity seems fraudulent or suspicious, please notify our Privacy Advocate team by selecting “Not me” or calling the number provided on the alert.
If you enroll directly on an InfoArmor-hosted site, your coverage will begin on your employer’s effective date, which could be immediate. If you receive InfoArmor as a voluntary benefit through your employer, please contact your benefits provider for your plan’s effective date.
Once your plan is effective, log in to your online portal and activate additional features of your protection such as Credit Monitoring, Social Media Monitoring, and Wallet Protection. When you log in, the corresponding tabs for each feature will be on the left side of your screen.
No, activating credit monitoring will not impact your credit score.
Viewing your own report and activating monitoring on your PrivacyArmor portal is considered a soft inquiry, which does not impact your score. This is different from a hard inquiry, which occurs when you apply for credit. A hard inquiry can impact your credit score. Once you activate credit monitoring, you will also be able to receive credit scores and credit reports.
If you suspect you are a victim of fraud or identity theft, please contact our Privacy Advocate team as soon as possible, either by selecting “Not me” on the alert within your portal or calling our advocate hotline. Your Privacy Advocate will ask you questions and research with you to determine if you are a victim.
Once you are in touch with a Privacy Advocate and have been confirmed as a possible victim, you will be assigned to a Remediation Specialist who will work on your behalf to manage your case and fully restore your identity. Our Privacy Advocates are not outsourced — they work in-house. Our Remediation Specialists are Certified Identity Theft Risk Management Specialists (CITRMS®). They are experts in identity restoration and are committed to doing the legwork to restore your identity for you.
If your account features are fully up to date and enabled, you will receive an email or text message alert (according to your stated communication preferences) as soon as we detect activity. You will also receive a monthly status email showing your Identity Health status and any outstanding alerts that require your attention. You can also view any outstanding alerts in your online portal.
If your contact information was not included when you initially enrolled, you will receive a welcome letter through the postal mail with instructions for how to log in to your account, update your contact information, and fully enable all your features.
We strongly recommend you keep your account updated with your most recent contact information and preferred communication method so we can quickly alert you to any activity. If you have any trouble completing these tasks or have trouble receiving these communications, contact us.
Yes; we provide you with a VantageScore 3.0 credit score, credit monitoring, and credit reports; however, credit monitoring is only one component of our monitoring services. We believe that protecting your identity not only requires credit monitoring, but further actions like monitoring for compromised credentials, financial transactions, and dark web activity.
This is how InfoArmor is able to provide early alerts and comprehensive protection that other providers cannot.
The credit score you see in your dashboard is not your FICO score. The score you see on your Credit Monitoring tab comes directly from TransUnion; our industry calls it your VantageScore 3.0 score, and it ranges from 300 to 850. Financial sectors commonly use your FICO score to determine creditworthiness. FICO and VantageScore 3.0 scores both range from 350 to 850, and while they both follow similar rules, a FICO score also accounts for your Equifax and Experian scores.
If you are building your credit, it is important to look at the same credit score type, as not all scores are measured the same. Comparing a FICO score to a VantageScore 3.0 is like comparing rice to pasta.
To get a better idea of where your credit score stands, we encourage you to review the changes to the VantageScore 3.0 score we provide in your PrivacyArmor portal.
Before opening a line of credit or taking out a loan, it’s always best to ask what credit score the financial institution will use to determine credit worthiness. Your bank may be pulling a different type of score (one that has a different low and high) than the one PrivacyArmor provides. For example, your bank may have pulled a VANTAGE score if it was assessing your eligibility for a financial product or loan. A VANTAGE score goes up to 990, while the VantageScore 3.0 score PrivacyArmor provides tops out at 850. This is why your credit score may differ from other sources.
We recommend placing a fraud alert if you believe your identity has been compromised or if your Identity Health score shows your identity is at high risk of identity theft. Unlike our competitors, we monitor from many different sources instead of simply placing a fraud alert in the hope it will prevent fraud.
The underground internet, also called the deep web or dark web, is where cybercriminals illegally store and sell Personal Identifiable Information (PII). Our dark web surveillance searches the dark web for your personal information and scours an ever-evolving complex of more than 200 million compromised machines, networks, and web services that InfoArmor and other leading cybersecurity firms identify. Our surveillance is specifically designed to find identifying personal information like an email address, credit card numbers, and even passwords you use and alert you immediately.
Your Digital Exposure Report is a summary of what a real-time deep internet search finds about you. The report also shows how vulnerable your online presence could be and provides tips for you to better secure your information. Please note that the Digital Exposure Report is not a credit report, so you may see search results for people with a similar name to yours. The less information you see on your Digital Exposure Report that matches you, the better!
InfoArmor’s identity theft insurance policy covers the financial damages of identity theft, such as costs to file reports or place freezes, legal defense expenses, and lost wages incurred as a result of resolving the fraud. Please contact us for a full copy of the policy and stipulations.
We reimburse stolen funds for members who have PrivacyArmor Plus. Before we reimburse stolen funds, we will first attempt to remediate the issue through our standard process.
For incidents of funds stolen from an investment account such as 401(k) or HSA , we will reimburse up to $50,000.
For incidents of funds stolen from other sources, we will reimburse up to $50,000.
The max total that we will reimburse an individual in one year is $75,000. The max total that we will reimburse a family in one year is $150,000.
Reimbursement covers only the first fraudulent withdrawal, and to be eligible for reimbursements, you must have Financial Transaction Monitoring enabled on the affected account at the time of the fraudulent withdrawal. Exclusions include fraudulent withdrawals that happened prior to your PrivacyArmor coverage.
The PrivacyArmor benefit is available to those that have a Social Security number. Consult with a Privacy Advocate or your benefits department to determine if your family members are eligible for coverage. There is no age limit or floor for enrolled family members, so from infants to adult children you support, your whole family is covered.
For plan specifics and potential additional costs, please call our Privacy Advocates at 1.800.789.2720 or contact your benefits department for more information.
As long as you have a Social Security number, we can monitor your identity and alert you whether you’re living abroad or domestically. However, at this time, we cannot monitor foreign bank accounts. We also cannot monitor non-U.S. addresses or addresses in U.S. territories like Guam and Puerto Rico. If you live abroad and have a registered U.S. address that matches the address the credit bureaus have on file, we may be able to monitor you. However, any mismatch in personally identifiable information will render us unable to monitor you.
If you leave your company, you can keep your coverage. If you are leaving your company and would like to keep your coverage, please contact the Privacy Advocate team. Pricing may vary.
There is no age limit for children to enroll in PrivacyArmor. There is no age limit or floor, so from infants to adult children you support, your whole family is covered. However, Credit Monitoring is currently not available for children under 18 years old.
We currently support the following internet browsers: Firefox 17+, Chrome 25 +, Safari 5.1+, and Internet Explorer 11. We recommend you update your browser if it is older than those we support, as older versions may not have security features as the newest versions.
Yes, an email address is mandatory to receive alerts and manage your account.
You can choose to receive alerts via email, email and text, and text only. You can manage your contact preferences in your account by logging into your PrivacyArmor portal, clicking your name in the top right corner, selecting Account settings, and setting your alert preferences.
Please contact our Privacy Advocate team. They will be able to create separate login information for you and your family members so you can keep your personal information private.
Yes, we have Spanish-speaking Privacy Advocates and Remediation Specialists.
No, but we highly recommend activating many of our features so we can better monitor your information. There are no additional costs in activating the features on your account.