Guardians Credit Union has partnered with NXG Strategies - a leader in identity theft remediation and data breach response - to create a program to meet your identity security needs. As an added benefit for our members, Guardians Credit Union is pleased to provide access to Identity Fraud Recovery Benefits to all accounts (excluding minor accounts) for a nominal fee of $1.50 per month — you have the choice of having this nominal fee tied to either your savings or checking account.

This concierge-like program provides an end-to-end solution to help you plan for and recover from the effects of identity theft. No matter how it occurs, our professionals will be there for you and your family members, standing by to go to work for you to address the ever-increasing risks associated with data breach and identity theft.

There's Only One You. Let's Keep It That Way!

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If you suspect that you have been a victim of identity theft, call Guardians Credit Union at 561-686-4006 or visit your local branch office.

Summary of Benefits

All eligible account holders of Guardians Credit Union and their qualifying family members have access to the services described below. The benefits are already working for you without any additional registration.

Fully Managed Identity Theft Recovery

Dedicated Recovery Advocates are standing by to perform research and remediation for all types of identity theft through a limited power of attorney authorization. There is no time limit and no problem is too small or too difficult. Our Recovery Advocates will also address the reversal of records created by fraud with the goal of returning your identity to pre-breach status.

If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Depending on your identity fraud incident, an Advocate will be prepared to:

Perform research to determine the extent of the problem, including a review of your credit report data
Provide instruction for the placement of fraud alerts and credit freezes with the three major credit bureaus
Write letters and make calls on your behalf to dispute fraudulent information
Coordinate with government agencies, financial institutions, creditors, and others to resolve incidents
Create and then maintain a case file to assist law enforcement in the prosecution of the perpetrators, if found
Request the removal of fraudulent records to assist in recovering your identity to pre-theft status

This service covers all types of identity theft, even if it is not related to your account. This service is available to all persons named on your account, and extends to three generations (3G) of your family. Family members include you, your spouse or domestic partner, your dependents with the same permanent address, any IRS-qualified dependents, and your parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services even continue to help those left behind who may need to deal with identity theft of a loved one after death.

Identity Theft Expense Reimbursement Insurance – up to $10,000

Identity Theft Expense Reimbursement Insurance is available to cover out of pocket expenses incurred during the identity recovery process up to a maximum of $10,000*. Examples of covered expenses include attorneys’ fees, costs of additional credit reports, long distance telephone calls, postage and handling fees, fees for notarizing affidavits, and document and filing fees for grants or credit applications rejected as a result of a stolen identity event. Lost wages due to time off from work are also covered up to $500 per week for up to four weeks.

View your Identity Theft Expense Reimbursement Insurance Evidence of Coverage.

Obtain a copy of the specific Evidence of Coverage with your Program Sponsor.

ID Theft Recovery ServicesWith more than 30 different types of identity fraud reported to the Federal Trade Commission, you may be affected in ways you have not considered. With ID Theft Recovery Services, you are covered for both financial and non-financial identity theft. As a member of Guardians Credit Union, you are covered with Fully Managed Identity Recovery (3G Family Coverage). Learn more about this important benefit by accessing the Frequently Asked Questions.

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