Identity Theft Protection

Frequently Asked Questions


What is an identity theft incident?

An identity theft incident occurs when an unauthorized person uses your personal information to commit fraud. Your personal information includes your name in combination with your Social Security number, account numbers, date of birth, address, email address and state or federal issued ID such as a driver's license or passport. Types of identity theft may include account fraud, credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and more.


How do I know if I have been a victim of identity theft?

If you see unfamiliar transactions on your credit card or bank account, you receive statements in the mail from a creditor you don't recognize, or you find notations on your credit file for debts you did not incur, you may be a victim of identity theft. If you suspect that someone might be using your identity information it's always wise to check it out. If it's a false alarm it will give you peace of mind knowing that your identity is secure. As a Power Protected checking account holder you can take advantage of our team of professional fraud investigators standing by to help. You should also make sure to register to activate the included entitlement to monitoring services to be alerted to suspicious activity.


Do I need to be able to prove I am a victim of identity theft to be eligible for Recovery services?

No, if you are a Power Protected checking account holder and you suspect identity theft for any reason, a professional Privacy Advocate is available to you by calling (877) 421-0515 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central. The Privacy Advocate can help to determine if you are a victim of identity theft and if not, can put your mind at ease.


How do I contact a Privacy Advocate if I suspect identity theft?

A professional Privacy Advocate is available by calling (877) 421-0515 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central.


What services are available only to the primary account holder?

The primary (first named) account holder is eligible for all of the identity theft detection services of Power Protected Checking, including both identity recovery services and monitoring services. As a reminder Power Protected ID Monitoring includes one bureau credit monitoring, daily credit reports and scores, dark web monitoring, dark web breach notifications, IP address monitoring, high risk transactions monitoring, social media monitoring, and solicitation reduction. You may activate your entitlement to Power Protected ID Monitoring at any time by using your unique Member ID.


What services extend to other account holders and family members?

Both the Fully Managed Identity Theft Recovery, including IRS Tax Fraud Refund Advance and Credit Freeze Assistance, and Identity Theft Expense Reimbursement Insurance extend to all named account holders. Additionally, the Fully Managed Identity Theft Recovery and the Identity Theft Expense Reimbursement Insurance extend to each account holder’s qualified family members, including spouse or domestic partner, dependents with the same permanent address, any other IRS dependents, and parents living in the household or in elder care.


How does the IRS Tax Fraud Refund Advance work?

We'll advance your tax refund if someone fraudulently files and receives it on your behalf. Tax fraud may delay your refund for weeks or even months. Now, you may be eligible for a tax refund advance while the Privacy Advocate assists you in completing your fraud remediation. Once the fraud has been remediated and the tax refund from the IRS has been received by you, you must refund the advance within 10 business days. This benefit extends to 3 generations of each Power Protected checking account holder, plus up to three generations of family members.


Does the Identity Theft Expense Reimbursement Insurance pay for funds stolen in an identity theft event?

No, the Identity Theft Insurance reimburses for expenses incurred in recovering from identity theft, but not the losses from the theft itself. However, the Privacy Advocate will assist in documenting fraudulent transactions and obtaining refunds for funds stolen.


How do I file an identity theft expense reimbursement insurance claim?

Your Privacy Advocate will work on your behalf to file your claim. To access the Fully Managed Identity Theft Recovery and Identity Theft Expense Reimbursement Insurance you can call (877) 421-0515.


When do my benefits begin? When do they end?

Your benefits begin when you open your Power Protected Checking account, and they end when you close your account. You may choose to activate your entitlement to the Power Protected ID Monitoring Services at any time.


Why do I need to register to activate the Entitlement to Power Protected ID Monitoring Services?

These services are not activated ahead of time to protect your privacy. There is no requirement for you to use this entitlement however, we encourage you to register for these monitoring services to best protect your identity. Whether you choose to register for the monitoring services or not, the other services included with your Power Protected Checking account - including Fully Managed Identity Theft Recovery and Identity Theft Expense Reimbursement Insurance - will still continue to be available to you.


How do I register to activate the Entitlement to Power Protected ID Monitoring Services?

You will receive activation instructions from Security Service Federal Credit Union that will provide you with a unique special-use “Member ID” number and further instructions to activate your Power Protected ID Monitoring Services online.


How long does the activation process take?

The activation process takes about 5 minutes or less, and if you need any help you can call (877) 421-0515. Following the registration process, you will have the opportunity to complete an identity authentication step to fully activate all of your services. Authentication of your identity is required in order for you to view credit alert details and provide access to your daily credit report and score. You can complete identity authentication at any time following the registration process.


What information will I need to enter in order to activate the Entitlement to Power Protected ID Monitoring Services?

You will need to confirm your name and address and provide your Social Security number and date of birth. You will also need to either confirm or provide either an email address or a mobile phone number to receive alerts. Your monitoring will begin based on this small amount of information and will extend to other personal information and credentials that you choose to add. In order to view credit alert details and access your credit report and score, you will need to complete identity authentication by answering questions taken from your credit file data to validate your identity.


If I can't get online can I still activate my Entitlement to Power Protected ID Monitoring Services?

If you are not able to go online to activate your monitoring services, we are able to take you through the Power Protected ID Monitoring account activation process by telephone to initiate monitoring on your behalf. However, to receive alerts you will need to provide either an email address or a mobile phone number that can accept SMS text alerts. To activate your entitlement through this method, please call (877) 421-0515 Monday through Saturday from 7am to 9pm Central and Sunday from 11am to 5pm Central.


How do I request my credit report?

From the Credit Monitoring tab in your Power Protected ID Monitoring account you can request your TransUnion®️ credit report daily. You will be asked authentication questions to verify your identity before the report can be viewed.


Can I cancel the Power Protected ID Monitoring Services?

Yes - since these services are included with your Power Protected checking account, contact SSFCU to discuss your options.


I received a monitoring alert. What do I do?

If you receive a monitoring alert you can go online and login to your Power Protected ID Monitoring account to see additional details about the alert on your dashboard, or call one of our Privacy Advocates at (877) 421-0515.


I lost my wallet/debit card, what do I do?

If you have registered your credentials for Dark Web Monitoring, you can use the information to quickly notify issuers of lost credentials, or just simply call a Privacy Advocate directly to get personalized help to replace the credential documents that may have been in your wallet. The Privacy Advocate can advise you on steps you can take to protect your identity based on the information that is lost.


What do I do if I forgot my special-use Member ID and/or password?

To retrieve your Member ID used for registering for Power Protected ID Monitoring Services call (877) 421-0515. To recover your password go to the Power Protected ID Monitoring account login page and follow the Forgot Password process.


Do I need to be a U.S. Resident to utilize the Power Protected ID Monitoring Services?

If you are not a resident of the United States some services may not be available or may be limited.

If you are a U.S. citizen living in the U.S. and owning a Social Security number you may take full advantage of the Identity Recovery and Power Protected ID Monitoring Services. A U.S. citizen who is visiting outside of the U.S. or living outside of the U.S. may utilize the Recovery Services; however, the Recovery Services are performed only with agencies and institutions in the United States, or territories where U.S. law applies.

If you reside in the U.S. but you are not a U.S. citizen, you may utilize the Recovery Services; however, without a Social Security number you will not be able to utilize certain services within Power Protected ID Monitoring, specifically credit report, credit score and credit monitoring.


I'm receiving emails from clientservices@infoarmor.com. Why are they emailing me and why is this Member ID different than my Member ID from SSFCU?

NXG Strategies has partnered with SSFCU to provide access to multiple proactive monitoring services through your Power Protected Checking account. Many times you will receive important communications about the benefits such as your identity health status and monitoring alerts. The Member ID referenced on these emails is not the Member ID associated with your credit union membership with SSFCU. It is a unique Member ID provided to you by SSFCU to activate the Power Protected ID Monitoring Services and to be used as a reference number in the event your need to contact a Privacy Advocate.


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©2019 Powered by NXG Strategies, LLC and InfoArmor.

All rights reserved.

Need help? Call (877) 421-0515

*Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available to residents of the state of New York and may not be available in other U.S. territories or jurisdictions in the future.
**MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. Monitoring alerts are provided by email and/or SMS text. Credit Services are provided by TransUnion®, subject to change, and are applicable to individuals age 18 and older who have a valid credit file. Identity authentication is required to view credit monitoring alerts, reports, and scores. The credit score provided may not be consistent with the credit score model used by a lender, and therefore can not be relied upon to determine creditworthiness for any particular loan opportunity.