X Sound CU App on Google Play Store Sound CU App on App Store VIEW VIEW

Fraud-Defender: Safeguarding Your Identity

Financial adviceLife & Finances

A woman working on a laptop.
Learn more about Fraud-Defender, a fully managed identity theft monitoring and recovery program.

Fraud-Defender: Safeguarding Your Identity

Fraud-Defender is a fully managed identity theft monitoring and recovery program that takes the work out of identity theft recovery. Covered individuals receive one-on-one help from a professional recovery advocate to give you peace of mind and help take the guess work out of ID theft recovery.

Recovery services are available for compromised identity and identity theft events of all types, and coverage is not limited to the account(s) you have with Sound Credit Union.

Fraud-Defender also provides credit monitoring services through a custom-designed interface with your TransUnion credit data. This provides you with continuous monitoring of credit activity.

Register Now

Get the answer you’re looking for.

If you are covered by Fraud-Defender and experience an identity theft event, you are assigned a recovery advocate who develops a customized Identity Recovery Plan and does all the legwork for you. Most other identity theft recovery programs include limited event, assisted or semi-managed recovery—requiring you to have the time, skills and knowledge to perform many of the recovery tasks yourself.

Coverage begins on the date you enroll and covers any identity theft events discovered after your effective coverage date.

A Fraud-Defender personal recovery advocate will be assigned to your case and will contact you within one business day. Your recovery advocate will place fraud alerts on your credit file, and complete a threat assessment to determine if any identity theft has occurred.

If identity theft has occurred, your recovery advocate will:

  • Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  • Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  • Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of official documentation of your identity.
  • Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, credit unions, utility companies, leasing agents, medical facilities, etc.
  • Follow up to make sure all wrongful activity is reversed and removed from your records.
  • Work with local and federal law enforcement to try to stop the criminal(s) who is using your identity.
  • Activate other members of the recovery team to assist when necessary, including professional investigators.
  • Provide 12 months of follow-up after your recovery is complete.

Credit monitoring is a service that identifies changes in your credit file and credit activity. Fraud-Defender credit monitoring is provided through a custom-designed interface to TransUnion credit data, providing you with continuous monitoring of credit activity. You will receive daily email alerts if there are changes in your credit file which may indicate identity theft. If there are no changes, you will receive an “all is well” email at least once a month.

Any individual, 18 or older, who is covered by Fraud-Defender.

Yes. In order to participate in Fraud-Defender, you must have your own unique email address.

Expand your knowledge on ways to protect yourself and your identity.

Basic tips to keep your computer and identity safe

Basic tips to keep your computer and identity safe

Don’t use public computers or public or unsecured Wi-Fi for sensitive transactions.

Smiling female architect sitting at her office desk

How to Spot A Scam And Protect Your Money

Scams abound these days, all of them designed to steal your money, sometimes over the long haul, sometimes in a single transaction.

Identity Theft: How to Protect Yourself From Scammers

Identity Theft: How to Protect Yourself From Scammers

During webinar we’ll cover what identity theft is, including how it occurs, how thieves use your information, how to protect yourself, and what to do if you become a victim.