Peace of mind at an affordable price.
Millions have been affected by data breaches. Is your identity protected?
Data breaches and compromises are becoming more common every day. And with millions of people falling prey to cyber crime and identity theft it's easy to feel vulnerable. Greater Texas Credit Union is pleased to offer ID Shield to provide our members affordable protection against these crimes.
ID Shield makes the process of identity protection simple so you can focus on more important things.
Restore peace of mind with robust protection.
Get protection with 360° monitoring and alerts.
Up to $1 Million in Identity Theft Insurance
Choose identity theft protection that fits your household:
|Identity Theft Protection
Experian Credit Monitoring
Monitors your credit file and alerts you if new activity like credit inquiries, delinquencies, bankruptcies, and new loans appear on your credit report.
Monitors thousands of websites, chat rooms, forums and networks, and alerts you if your personal information is being bought or sold online.
Full Service Restoration
Experian Certified Specialists guides you through the identity restoration process if the unthinkable happens.
SSN Trace Monitoring
Provides you with a report of all names and aliases associated with your SSN, and notifies you if a new one is added.
$1M ID Theft Insurance
Reimburses you for out for out-of-pocket expenses up to $1M. Plus, we will retain lawyers, investigators and case managers on your behalf
Lost Wallet Services
Assists you in quickly and effectively terminating and re-ordering wallet contents.
Experian Credit Score (monthly refresh)
Charts your monthly credit score on an easy-to-read chart so you can see trends over time.
Financial Account Takeover
Checks your personal information daily against hundreds of financial institutions for activity that may indicate possible account takeover. If activity is detected, you will be promptly notified.
Experian Credit Report
Access to your history of borrowing and repayment.
Social Network Monitoring
Allows subscribers to monitor their social network profiles and content feeds with Facebook, Twitter, LinkedIn, and Instagram for any privacy and reputational risks.
Court Records and Booking Monitoring
Alerts you if a criminal act is reported in the court system using your personal information.
Change of Address Monitoring
Reports if your mail has been redirected through the U.S. Postal Service.
Reports on all known addresses and aliases associated with your child’s Social Security Number, and monitors the web and alerts you if your child’s personal information is being bought or sold online.
Experian Certified Specialists to help with the identity restoration process
2 VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.