Equifax Credit Protection Enrollment Instructions

LCCC has arranged with Equifax Personal Solutions to help you protect your identity and your credit information at no cost to you.  The steps to follow are:

1. Enroll in Equifax Credit Watch™ Gold identity theft protection product.  This product is being provided to you at no cost for one year. 
    
2. Additionally, you may choose to adopt an increased level of protection by placing a fraud alert on your credit file at Equifax and the other two credit reporting agencies.

Enroll in Equifax Credit Watch™ Gold

Equifax Credit Watch will provide you with an “early warning system” to changes to your credit file and help you to understand the content of your Equifax credit file. 

Equifax Credit Watch provides you with the following benefits: 

• Comprehensive credit file monitoring of your Equifax credit report with daily notification of key changes to your credit file.
• Wireless alerts and customizable alerts available 
• Access to your Equifax Credit Report™
• $20,000 in identity theft insurance with $0 deductible, at no additional cost to you † 
• 24 by 7 live agent Customer Service to assist you in understanding the content of your Equifax credit information, to provide personalize identity theft victim assistance and in initiating an investigation of inaccurate information.

Enroll online, by phone or by mail.

Online
To sign up online for online delivery go to www.myservices.equifax.com/gold

1. Consumer Information: complete the form with your contact information (name, address and e-mail address) and click “Continue” button.  The information is provided in a secured environment.
    
2. Identity Verification: complete the form with your Social Security Number, date of birth and telephone numbers. Create a User Name and Password, agree to the Terms of Use and click the “Continue” button.  The system will ask you up to two security questions to verify your identity.
    
3. Payment Information: During the “check out” process, enter the promotion code, provided at the top of your letter; in the “Enter Promotion Code” box (include the dash with no spaces). After entering your code press the “Apply Code” button and then the “Submit Order” bottom of the page.  (This code eliminates the need to provide a credit card number for payment.)
    
4. Order Confirmation: – Click “View My Product” to access your Equifax Credit Report.

By Phone
To sign up for US Mail delivery, dial 1-866-937-8432 for access to the Equifax Credit Watch automated enrollment process.  Note that all credit reports and alerts will be sent to you via US Mail only.

1. Promotion Code: You will be asked to enter your promotion code as provided at the top of your letter (do not include the dash or any spaces)
    
2. Customer Information: You will be asked to enter your home telephone number, home address, name, date of birth and Social Security Number.
    
3. Permissible Purpose: You will be asked to provide Equifax with your permission to access your credit file and to monitor your file.  Without your agreement, Equifax can not process your enrollment.
    
4. Order Confirmation: Equifax will provide a confirmation number with an explanation that you will receive your Fulfillment Kit via the US Mail (when Equifax is able to verify your identity) or a Customer Care letter with further instructions  (if your identity can not be verified using the information provided).  Please allow up to 10 business days to receive this information.

By Mail
To order your registration packet by mail, click here for the mail enrollment form.

Directions for placing a Fraud Alert

A fraud alert is a consumer statement added to your credit report.  This statement alerts creditors of possible fraudulent activity within your report as well as requests that they contact you prior to establishing any accounts in your name. Once the fraud alert is added to your credit report, all creditors should contact you prior to establishing any account in your name. 

• To place a fraud alert on your credit file, visit:  www.fraudalerts.equifax.com.
   
• Or, you may contact our auto fraud line at 1-877-478-7625, and follow the simple prompts.  Once the fraud alert has been placed with Equifax, a notification will be sent to the other two credit reporting agencies, Experian and Trans Union, on your behalf.

† Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183.  Coverage for all claims or losses depends on actual policy provisions.  Availability of coverage can depend on our underwriting qualifications and state regulations.  This product is not intended for minors under 18 years of age