FAQ - ID Guard

Currently, credit reports are free to consumers in all states. In accordance with the Fair and Accurate Credit Transactions Act (FACT Act), www.AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies (Equifax, Trans Union, and Experian).

You will be notified by email at the address on file. If you change your email address, be sure to update your profile to include this information. The full detail of your alert(s) will be available within the secure membership website.

Identity Monitoring is a service that monitors non-credit data and alerts you when your identity is at risk or being used - potentially without your permission. Conversely, Credit Monitoring is the monitoring of your credit file in order to detect any activity or change. Credit monitoring was developed to help consumers find errors in their credit report before applying for a loan. Credit monitoring can take up to 90 days to report a change to a credit file, depending on the reporting business and bureau. This identity monitoring solution provides more comprehensive coverage than credit monitoring and detection of changes takes a fraction of the time.

Our Identity Monitoring solution detects stolen personally identifiable information and compromised confidential data. At any point in time, our technology is monitoring hundreds of thousands of websites and millions of data points using a variety of data gathering techniques, such as chat room monitoring, site crawling and scraping capabilities and forum extraction. This monitoring diligence ensures rapid detection of any online exchange of your personal information that may be associated with identity theft.

No, there are no questions or qualifications to purchase the Chroma Credit Restoration plan, however the restoration and insurance service will not apply to fraud that occurred prior to enrolling in Chroma Credit Restoration.

The Chroma Credit Restoration plan is available in all 50 states and Puerto Rico.

Our Identity Theft Insurance policy reimburses you (up to USD 1 Million) for expenses related to identity theft restoration, including:

• Replacement of documents
• Traveling expenses
• Loss of income
• Child/elderly care
• Fraudulent withdrawals from a bank account
• And legal costs

Yes, the plan will provide reimbursement for identity fraud occurring anywhere in the world, with the exclusion of the following territories: Afghanistan, Balkans, Belarus, Burma/Myanmar, Cote d'Ivoire, Cuba, Democratic Republic of Congo, Iran, Iraq, Lebanon, Liberia, Libya, North Korea, Somalia, South Sudan, Syria and Zimbabwe.

The Identity Theft insurance policy will reimburse you for any approved legal fee. One of the advantages of the identity theft insurance plan is that you can choose your own attorney.

No, you do not have to pay a deductible in order to claim your Identity Theft Insurance benefits.

The ID Theft Insurance is USD 1 Million of coverage and is backed and underwritten by an internationally recognized carrier that is A.M. Best "A Rated."

No, you do not need to inventory your wallet in order to use this benefit. Once it has been determined that you have lost your wallet or purse, a representative will work with you to ensure recoverable items are cancelled and replaced. This will involve signing a limited power of attorney, so the representative can work on your behalf, and may require your credit report to be requested and reviewed for the most up to date account information.

Our Lost Wallet service helps you quickly cancel and replace all items commonly carried in wallets and purses, including:

• Credit cards
• Debit cards
• Check books
• Driver's license
• Social Security cards
• Insurance cards
• Passports
• Military identification cards
• Traveler's checks

Our restoration specialists will also assist you with canceling and replacing lost or stolen documents.

It can take more than 200 hours to restore an identity to pre-theft status. Our ICFE-certified restoration specialists can reduce the required time and effort on your behalf in a process that could take hundreds of hours without dedicated help. In addition, their dedicated assistance will eliminate the out-of-pocket expenses related to recovering from identity theft, which can cost thousands of dollars.

Our full-service Identity Restoration specialists offer robust case knowledge in non-credit restoration, including payday loans, IRS, DMV and court records. Once your claim is verified, our ICFE-certified agents can assist you with:

• Assessing the case and determining an action plan
• Filing police reports
• Disputing fraudulent charges
• Placing fraud alerts on your credit files
• And much more

Please call our support team at 877-813-1263. Make sure you have your Account ID number when you call so our team can assist you. This can be found by going to the ACCOUNT tab when you are logged into ChromaCreditRestoration.com and is noted under Current Services. This will allow us to handle your case quickly and ensure we are speaking to the correct person.