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ID TheftSmart™

Click on the video for information about ID TheftSmart!

Protect your identity and prevent fraud with Resource Bank and Kroll's ID TheftSmart™ program.  Kroll is an investigative and financial risk advisory company who has been responding to and preventing breaches of data on behalf of clients since 1999.

ID TheftSmart™ is a superior service that offers exceptional value, outperforming other identity fraud prevention services in the market. It is not only more affordable but also more comprehensive than other, more well-known competitor services. Besides employing the most modern and up-to-date methods to prevent identity theft for you and your family, we assure you support from experienced investigators in the unfortunate event of fraud. They have the ability to act on your behalf, ensuring a quick and seamless resolution. Contact us at (815) 756-6321 to sign up today!

In today's digital world, most of our daily interactions and transactions occur online. Video conferencing, email, online shopping, and social media all require individuals to voluntarily provide their personal information on the internet in order to thrive in our modern society.

However, if not handled with care, this can make you susceptible to identity fraud. Therefore, protecting your personal information in the digital age has become more crucial than ever. Fortunately, solutions like ID TheftSmart are available to safeguard your information and guide you through the resolution process if your identity gets stolen.

Continue reading to gain a deeper understanding of identity theft, the signs of this crime, and the benefits of signing up for ID TheftSmart to help prevent theft, protect your identity, and restore your personal information.

What is identity theft?

Identity theft is the criminal act in which someone steals your personal information and claims it as their own to purchase goods or services, while damaging your credit in the process.

The question isn’t if identity theft will happen, but when. According to the Federal Trade Commission, your odds of becoming a victim of identity theft are about 1 in 15 – and many people become victims of identity fraud without realizing it if they are not aware of the signs. 

The most common indicators of identity theft may include:

  • Failing to receive bills or other mail.
  • Receiving credit cards that you didn’t apply for.
  • Being denied credit or being offered less favorable credit terms, like a high interest rate, for no apparent reason.
  • Being denied employment due to bad credit or a criminal record.
  • Getting calls or letters from debt collectors or businesses about merchandise or services you didn’t buy.

Identity theft differs from account takeover fraud (or current account fraud), which occurs when a cybercriminal gains access to your digital login credentials to steal money or other information. While both are serious situations that require immediate action, people who commit identity theft pose as the other person for an indefinite amount of time (unless they are caught) and do not necessarily use your existing accounts. 


How do thieves misuse your personal information?

Without adequate protection, thieves can obtain your name, Social Security number, credit card, or other personal information and misuse it to do any of the following:

  • File for bankruptcy to avoid being evicted or paying debts.
  • Obtain a fake driver’s license.
  • Open credit accounts.
  • Perpetuate criminal acts.
  • Purchase goods and services.
  • Rent a home or apartment.
  • Obtain employment.
  • Take out auto loans to buy a car.

Identity thieves are only successful when people do not actively protect their information, monitor their accounts, or report suspicious activity. Solutions like ID TheftSmart offered through Resource Bank can give you peace of mind that licensed identity theft investigators are actively monitoring your sensitive information.

How does ID TheftSmart protect your identity?

In a market overflowing with solutions that focus on credit monitoring, ID TheftSmart is provided through Kroll’s Licensed Private Investigators, the nation’s leading provider of identity theft services. Kroll’s has worked with consumers to uncover and resolve identity theft issues since 1999. 

Through access to databases that are not available to the public, Kroll’s private investigators do the bulk of the work for a fraud victim. Not as a counselor. Not alongside them or in conjunction with them, but as an advocate on their behalf.

ID TheftSmart encompasses a variety of services that include credit monitoring, minor monitoring, ID Integrity Scan, and ID Theft Restoration.

Triple Credit Monitoring

If you have open lines of credit, you should order a credit report from at least one of the three major credit reporting bureaus – Equifax, Experian, or TransUnion – once a year to ensure all of your personal information is accurate.

As a member of ID TheftSmart, investigators will do the work of credit monitoring for you by providing daily reports on your credit activity through a secure online portal. Members also have access to ID TheftSmart credit specialists who will act on a member’s behalf when action needs to be taken with any of the three major credit bureaus. This will give you peace of mind that a trustworthy source is actively working to protect you from identity fraud.

Optional Minor Monitoring

Children’s identities are valuable to thieves because they provide a clean slate that they can exploit for years without being detected. ID TheftSmart’s Minor Monitoring program keeps track of activity associated with your child’s Social Security number to protect him or her from identity fraud. 

If unauthorized names, aliases, and addresses associated with a minor’s name and date of birth are detected, the enrolled adult is notified through their secure ID TheftSmart online portal. If needed, a Licensed Private Investigator will conduct additional research to determine if the fraud is legitimate and proceed with the restoration process as part of the parent’s ID TheftSmart membership.

ID Integrity Scan

Within minutes of creating an ID TheftSmart account, investigators begin your identity theft protection by scanning the dark web for your personal and financial information through the ID Integrity Scan service. 

If they encounter suspicious activity, they will notify you and resolve the issue to stop identity theft before it has a chance to ruin your good name. ID Integrity Scan also monitors your address history with the United States Postal Service and your Social Security number to ensure your personal information has not been stolen.

ID Theft Restoration

Members who are victimized by an identity thief benefit from Kroll’s comprehensive restoration services.  After consultation with a United States-based Kroll Investigator confirms an identity theft issue, a fraud packet (provided by the Kroll Investigator) must be completed and submitted to Kroll by the member. Restoration includes:

  • investigation of emergent and potentially complicated trails of fraudulent activity
  • making phone calls
  • issuing fraud alerts
  • interacting with affected financial institutions
  • preparing appropriate documentation.
  • one-on-one counseling and advocacy on behalf of the member
  • serving as the member’s advocate while utilizing expertise in interacting with credit bureaus, creditors, and/or collection agencies as well as to conduct fraud research that is not related to credit.

All of the Kroll Fraud Investigators are CFE, FCRA, CITRMS, and CIPP/US certified.  Plus, members don’t have to be a victim of identity theft to benefit from consultation from one of Kroll’s Fraud Investigators--any active member with a concern about his or her identity has access to consultation and assistance.

Public Persona

Credit header data is monitored for names, aliases, and addresses that are associated with your Social Security number. Data that you do not recognize as your own may be a sign of fraudulent activity.

  • Receive a history report of all your credit header data for the past 18 months.
  • Monitor ongoing changes and receive alerts if the initial report you receive is updated with any new information.

idIntegrity Scan

Receive early warning fraud protection with regular searches on the Internet for your personal and financial information, notifying you immediately of suspicious activity. Online fraud detection monitors your:

  • Social Security number
  • debit and credit cards
  • address
  • e-mail
  • phone numbers and more

Web Watcher

We routinely scan for suspicious activity on:

  • the Dark Web
  • Internet directories
  • hacker chat rooms
  • public and private databases

When a status change in the monitored information is detected, an email alert is promptly sent.

Address Aware

Your address history with the United States Postal Services is monitored.

  • Receive an 18-month address history report.
  • Be alerted if a fraudulent attempt is made to change your mailing address.

Your identity is your business.  Protecting it is ours.  Contact us today.

All of these services are only:

$15/month for the first household membership

$10/month for additional household memberships

$4/month for optional Minor Monitoring of up to four minors

A Resource Bank checking account is required.