FAQ

Frequently asked questions

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QID Theft Protection

Filing an Identity Theft Protection claim:

The sooner you spot that you’ve been a victim of identity theft the sooner you can put a stop to it.

Of course, if you’ve had your purse or wallet lost or stolen you’ll instantly know you could be at risk. But what are the other tell tales signs that your identity has been compromised?

  • Your credit record has changed or shows you have applied for something you don’t know about. (If you’ve got our ID Theft protection service you’ll get three, free credit bureau reports – and we’ll monitor your credit on an on-going basis.)
  • You get medical bills you don’t recognize
  • Bill collectors or collection agencies call and demand payment for accounts or services you never had
  • An employment background check reveals a criminal record you don’t recognize – like a DUI, court judgement or order, or other legal charge
  • You notice charges on your credit card bill that you don’t recognize or never authorized


Getting help

So what happens if you do spot something suspicious? The faster you act, the less the damage, so call us immediately and we’ll jump into action to get your life back to normal.

  1. Call us toll-free at 866-367-7579 24/7 and speak to one of our certified, trained resolution specialists.  They’ll open a case file for you.
  2. Your dedicated resolution specialist will get a strong understanding of the type of identity breach. For instance, have your credit cards been stolen or, is it a situation where new accounts have been opened in your name?
  3. We’ll send you an authorization form and affidavit depending on the type of identity breach.

We will work with your creditors and financial institutions to obtain new credit and debit cards depending on the type of identity fraud.  We’ll also contact local, municipal, and federal authorities to get new forms of identification like a driver’s license, passport, or social security cards as necessary. We’ll immediately alert the proper authorities so you can clear your name of any potential fraud and we help you prepare and submit any necessary legal documents.

Not covered?

Find out more about Protect Your Bubble Identity Theft Protection

QCan you see all 3 credit reports?

Upon initial enrollment you will see all 3 credit reports. After 30 days, you will only have access to the TransUnion credit report. 

QWill alerts be sent if there is a change to the Equifax or Experian credit report?

Yes, if a change to the Equifax or Experian credit report takes place an alert will be generated.

QHow often can the TransUnion credit report and score be updated?

The TransUnion credit report and score can be updated every 30 days.

QWill you see the Equifax and Experian credit report at all?

Yes, you will have access to the Equifax and Experian credit report for the first 30 days. Afterwards, you will only have access to the TransUnion credit report.

QWhen is an alert generated for any of the 3 credit bureaus?

Alerts are generated only when there are changes to the credit report (i.e. new inquiries, new accounts, updated personal information by creditors).

 

QDo any of our contracts have access to Equifax and Experian credit scores?

No, the new credit monitoring system does not give access to Equifax and Experian credit scores.

QWill the Equifax and Experian report update after 30 days?

No, the Equifax and Experian credit report will not update after 30 days, but you will continue to receive alerts if anything changes on the Equifax and Experian credit report.

QIs there an option to enroll in the 3-1 credit monitoring offline?

No, there is not an option to enroll in the 3-1 credit monitoring offline. However, there is an option of enrolling in the single bureau monitoring (TransUnion) offline via phone or application.

QIs there any option for additional members to enroll in the 3-1 credit monitoring?

Yes, additional members can be enrolled in the 3-1 credit monitoring for a fee of $9.99. In order to enroll an additional member they must first purchase, through the EA link, the single bureau monitoring for $3.99 and choose the option to upgrade to the 3-1 credit monitoring.

QCan children be added to the credit monitoring benefit?

No, children cannot be added to the credit monitoring benefit. Children are minors; therefore, they don’t have any credit information to monitor.

QWhat is the difference in ID theft protection and credit monitoring?

ID Theft Protection is a comprehensive resolution service that helps victims or potential victims of identity theft. Credit Monitoring is a proactive benefit, which is included in the Id Theft Protection, which monitors your credit report and alerts you to any changes on your credit report.

QDo the credit monitoring monitor credit cards?

No, we don’t monitor credit cards. The credit monitoring service monitors the credit report itself and any changes that occur.

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All insurance products are offered by The Signal, L.P. The Signal, L.P. is a licensed Insurance agency appointed by American Bankers Insurance Company of Florida and American Security Insurance Company. American Bankers Insurance Company of Florida and American Security Insurance Company are Assurant, Inc. companies licensed to offer insurance products. Protect Your Bubble, the Protect Your Bubble logo, Bubble and Squeak and other Protect Your Bubble trademarks, service marks, graphics and logos used in connection with this website are trademarks of Assurant, Inc. in the United States.