ID Reclaim Plus

What is ID Reclaim Plus identity theft recovery service?
As a checking account holder at Beacon you are eligible to sign up for the services of ID Reclaim Plus identity theft recovery service, for only $2.50 per month. For this low price, you will receive fully managed identity restoration services for:

  • You and your spouse or domestic partner
  • Your children under age 25 with the same permanent address
  • Your parents living with you or in elder care, or deceased 12 months or less

And, ID Reclaim Plus includes credit monitoring for one – either the primary or secondary account holder in the Plus plan. Credit monitoring may be added for other family members age 18 or older for an additional monthly fee of $1.50 per person per month.

To add ID Reclaim Plus to your Beacon checking account, stop by your local branch or call 1-800-762-3136.

What is Identity Theft?
Identity Theft is the fastest growing crime in the United States, affecting nine million Americans each year according to the Federal Trade Commission. Identity theft can happen to anyone; regardless of how careful you are, regardless of age or income and regardless of where you live. You are more than four times as likely to fall victim to identity theft as you are to be involved in a traffic accident.*

Identity theft could be the result or cause of the following events: A stolen wallet, irregular charges on your account, money missing from your account, fraudulent or suspicious charges or account openings, or erroneous medical or wage records.

How ID Reclaim Works
If you become a victim of identity theft, a recovery advocate will go to work to restore your credit and your credibility — a process that could save you many hours of time. Surveys show that as many as a third of all victims give up without ever restoring their identity to pre-theft status — even after a year of trying on their own. If you suspect identity theft, or your identity becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop, or notification that your personal information was part of a data breach, take this action:

Contact Beacon immediately during business hours at 1-800-762-3136.

A representative will take your name and contact information, confirm that you are covered and then initiate your recovery case with the recovery service provider, Merchants Information Solutions Inc. You will have a one-on-one personal recovery advocate assigned to your case. You may be asked to sign a limited power of attorney authorization, which will enable the recovery advocate to fully manage the research and work needed.

Your recovery advocate holds Fair Credit Reporting Act certification and private investigator licensure, and will:

  • Contact you directly to provide support, offer counseling and, most importantly, begin the recovery process immediately.
  • Place fraud alerts on your credit file.
  • Help you access services to watch for signs of identity theft.
  • Pull credit reports and do a threat assessment to determine if any identity theft has occurred.

If you become a victim of identity theft, 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 or criminals who are 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, to be sure you stay recovered.

Identity Theft victims may visit the Identity Care Center to access their case files.

Also see Terms and Conditions for additional information about ID Reclaim Basic services.

No registration is required. If you suspect you are a victim of identity theft, visit your local branch or call 1-800-762-3136.

* 2008 Report of FTC Consumer Fraud and Identity Theft Complaint Data.