Identity Theft Protection

Identity theft is the fastest growing crime in the United States, but it can be hard to discover immediately. Would you know if someone else was using your name to open accounts? Although there is no way to completely prevent identity theft, precautions can be taken.

PrivacyGuard, a comprehensive service available through Trilegiant Corporation, not affiliated with American First Credit Union, can help minimize your risk and secure the support you need if identity theft occurs.

When you enroll, you'll be notified when certain changes affect your credit profile and if identity theft does occur, you'll get timely access to the expert support you need to help recover and secure your identity.

How PrivacyGuard Helps Protect Your Identity:

• Gives you instant access to your Credit Report compiled from the three major credit reporting agencies: Equifax, Experian, and TransUnion, so you can review your credit history all in one easy-to-understand document, and verify it is current and accurate
• Monitors your credit daily through one of the top credit reporting agencies
• Alerts you to any new accounts opened in your name, and to inquiries into your credit files, plus sends notification if any negative information is added to your records
• Provides up to $10,000 in Identity Theft Insurance 1
• Gives you direct access to Resolution Specialists to help you recover your identity and clear your good name
• Provides automatic Quarterly Updates to help you monitor and correct any inaccuracies and fraudulent information in your credit file

Help protect your identity and gain peace of mind with PrivacyGuard. Try it with the first month of protection for only $1. You'll see your Credit Report online, in seconds, after you sign up, with no obligation to continue after your introduction.

1 $10,000 coverage with $0 deductible. The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected. Your liability for unauthorized charges is limited to $50 per credit card. You are not required to enroll in PrivacyGuard to maintain your credit card

PrivacyGuard is a service provided by Trilegiant Corporation in conjunction with Alliance Marketing Association. Upon enrollment in the PrivacyGuard service, you will automatically be admitted as a member of the Association through which you will receive your PrivacyGuard benefits. The PrivacyGuard service may be modified or improved at any time and without prior notice. PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, LLC.

© 2007, Trilegiant Corporation