Privacy Matters 1-2-3

Privacy Matters 1-2-3^SM is a comprehensive credit management and identity theft protection membership program. It provides you with unlimited online access to your 3-in-1 Credit Reports and Credit Score, daily Triple-Bureau Credit Monitoring email alerts of critical changes to your credit files, and Identity Theft Restoration Services.

We encourage you to use these benefits to protect yourself against identity theft and fraud and to enjoy greater peace of mind knowing that your personal information is accurate, safe and secure.

What's included with my Privacy Matters 1-2-3 membership?

As a member of Privacy Matters 1-2-3, you'll receive:

• Unlimited, online access to your credit report from the three credit bureaus — TransUnion, Equifax, and Experian

• Your TransUnion, Equifax, and Experian credit scores with every updated credit report

• Credit Monitoring email alerts whenever critical changes occur in your Triple Bureau Credit Report

• Unlimited, toll-free access to our Credit Report Customer Service team

• Access to your free annual Social Security Report

• Exclusive savings on Internet security software to help you keep your personal information safe online

• A complimentary Family Organizer CD-Rom from Kiplinger to help you keep your family's personal information organized and safe

• Complimentary access to Locksmith Rebate certificates and a Lost Key Return service

• Access to our online credit and identity theft learning center

How do I access my Privacy Matters 1-2-3 membership benefits?

To access your Privacy Matters 1-2-3 membership benefits, log into www.PrivacyMatters123.com using your membership ID number and zip code. Once you're logged into the website, you can access all of your membership benefits.

When will I receive my Welcome email and login instructions?

You'll receive your Welcome email within 24 hours after enrolling in the program. Please make sure you add membersavings@privacymatters123.com, to your address book to ensure the email reaches your inbox.

If you misplaced or did not receive your Welcome message, please Send us an email or call us toll-free at 1-888-239-0316 so we can resend it.

CREDIT REPORT & SCORE QUESTIONS

How can I view my first Triple Bureau Credit Report and Scores?

To get your first report, follow these steps:

1. After you've logged into www.PrivacyMatters123.com , click "Start Here"* on the Welcome page.

2. Next, create a secure username and password with our credit services provider. This will provide you with additional security, helping to ensure that only you can view your personal information online.

3. You'll then be asked to verify your identity with our credit service provider by answering a series of questions based on the information found in your credit report. You may be asked questions about your:

• Social Security number

• Past and present credit card and personal loan account numbers

• Previous employers and addresses

After you've completed the identity verification process, click "Next" to view your credit reports and scores!

*If you've already created a username and password, or if you've already viewed your credit report as a member of Privacy Matters 1-2-3, click "Login" and provide the username and password that you previously created.

I have a member ID number. Why do I have to create a username and password?

In addition to your member ID number, you'll also need to create a username and password with our credit service provider in order to access your credit reports, scores, and monitoring alerts. Your security and privacy are of the utmost importance to us, and this extra layer of protection provides you with additional security when accessing your personal information online.

What is Identity Verification, and how does it work?

The Identity Verification process protects your privacy by ensuring that only YOU can view your Triple Bureau Credit Report and Scores.

Identity Verification confirms your identity through a series of questions based on accounts and personal information contained in your credit report. Here's how it works:

• The system presents you with a question based upon information contained in your credit report.

• You select the answer from a list of possible choices, and your answer is compared with the information in your credit report.

• When enough correct information about you has been confirmed, you'll have access to your online credit report.

• If your identity can't be confirmed online, you'll be given instructions on how to continue.

I'm selecting the correct answer(s). Why won't Identity Verification confirm my identity?

The Identity Verification process pulls specific information from your credit report, and sometimes this information isn't up-to-date or is inaccurate. For example, you may have recently paid off a loan that hasn't been reported to the credit reporting agency yet. If you're unable to pass Identity Verification, you'll be instructed on how to proceed, depending on your particular situation.

Why do I need to provide my Social Security number?

Your Social Security number is needed to help verify your identity the first time you access your credit report. The credit bureaus require your Social Security number, date of birth and address before they can grant access to your credit report. You'll only need to provide it during the identity verification process. We won't keep or share this personal information with anyone; it's strictly for identity verification purposes only.

Why can't I access my credit report?

There are some instances in which we're unable to provide members with immediate online access to their credit reports. These instances can occur when:

• We aren't able to verify your identity. For your security, we only deliver your credit report when you pass our online identity verification process.

• We're experiencing a technical issue. If you believe we are experiencing a technical issue, Send us an email now so we can resolve the problem.

• The credit reporting company doesn't return a credit report. Sometimes the credit reporting company doesn't have enough information to create a credit report for you. If this is the case, you will be instructed on how to continue.

If you need more information, please contact us online or call us at 1-888-239-0316.

Why are my credit reports and scores different at each of the three bureaus?

Banks, retailers, and other sources aren't required to report your credit transactions to every credit bureau, so the information in one credit bureau report may be different from the information found in your credit report at another bureau. Since your credit scores are calculated based on the information in each of your reports, your credit score can vary at each bureau.

How can I view my updated Triple Bureau Credit Report and Scores?

To request your updated credit report and scores as a member of Privacy Matters 1-2-3, follow these steps:

1. After you've logged into www.PrivacyMatters123.com, click "Login"* on the Welcome page and enter the username and password that you previously created.

2. Next, click "Request a New Report." Our credit services provider will then ask for your permission to access your personal information. Select "I Agree," and click "Confirm."

3. Finally, click the "Credit Center" tab at the top of the page. To view your updated credit report, click "Credit Report" in the "Credit Center" sub-menu. To view your updated credit score, click "Credit Score" in the "Credit Center" sub-menu.

*If you haven't yet created a username and password, click "Start Here" to complete the identity verification process and view your credit report and score.

How often can I request my updated Triple Bureau Credit Report and Scores?

As a member of Privacy Matters 1-2-3, you can request a new Triple Bureau Credit Report every 30 days. Checking your credit reports at all three bureaus each month will help ensure that inaccurate or fraudulent information in your credit profile is corrected promptly — before it negatively affects your credit score. Members are provided with their updated Triple Bureau Credit Scores each time they request their updated Triple Bureau Credit Report.

CREDIT MONITORING QUESTIONS

What are Triple Bureau Credit Monitoring Alerts, and how does Credit Monitoring work?

Triple Bureau Credit Monitoring alerts are email notifications that are sent to members of Privacy Matters 1-2-3 when a critical change occurs to one of their credit reports at the three national credit bureaus — TransUnion, Equifax, and Experian.

Once you request your first credit report as a member of Privacy Matters 1-2-3, your credit monitoring service is automatically activated. You'll receive an alert whenever one of the three credit bureaus posts new information in your credit report; the alerts will be sent to the email address you provided during enrollment.

How much does Credit Monitoring cost me?

Credit monitoring is one of the benefits you receive when you join Privacy Matters 1-2-3, so it's covered by your monthly membership fee.

When will I receive Credit Monitoring Alerts?

As a member of Privacy Matters 1-2-3, your credit information will be monitored every day, and you'll be alerted immediately via email if any critical changes occur to your credit report. You'll also receive a monthly credit summary email if no activity occurs to your credit report and a quarterly credit summary email.

What kind of credit report activity will I be alerted to?

You will be notified immediately if any of the following activity occurs in your credit report:

• Suspicious activity that could be the result of fraud

• Activity that could improve or hurt your credit score

• New inquiries (companies or creditors requesting your credit report, usually as the result of a recent credit application)

• New accounts opened in your name

• Late payments

• Bankruptcies and other public records

• New addresses

• New employers

What do I do if I receive an alert about credit report activity that I don't recognize?

Suspicious activity in your credit report could be caused by:

• An identity thief who made a transaction, a loan application, or other credit-related behavior in your name

• An error made by a vendor reporting to the credit bureau

• An error made by the credit bureau itself

If you see suspicious activity in your credit report, you should investigate it immediately. To begin an investigation, contact the appropriate credit bureau; they'll walk you through the process of disputing the information and correcting your credit report. The contact information for the bureaus is as follows:

Equifax
P.O. Box 740256
Atlanta, GA 30374
(800)-685-1111
Website: www.equifax.com

Experian
PO Box 2002
Allen, TX 75013
(888) 397-3742
Website: www.experian.com

TransUnion LLC
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
Website: www.transunion.com

How can I view my Credit Monitoring Alert history?

To view your credit monitoring alert history, follow these steps:

1. After you've logged into www.PrivacyMatters123.com , click "Login"* on the Welcome page, and enter the username and password that you previously created.

2. Next, click the "Credit Center" tab at the top of the page.

3. Finally, click "Credit Alerts" in the "Credit Center" sub-menu. You'll then be able to view your credit monitoring alert history.

*If you haven't created a username and password yet, click "Start Here" to complete the identity verification process and activate your credit monitoring.

IDENTITY RESTORATION QUESTIONS

What is Full Identity Restoration, and how does it work?

Full Identity Restoration is a service provided by Kroll, Inc. and is included with the price of your Privacy Matters 1-2-3 membership. In order to be eligible, you must activate the service and remain a member of Privacy Matters 1-2-3. There is no additional cost for activating your service.

Once the service is activated, if your identity is stolen while you're a member of Privacy Matters 1-2-3 , you have access to our team of licensed identity theft investigators who will guide you through the process of restoring your identity to its pre-theft status as quickly and efficiently as possible. They'll go beyond credit reports to search through public databases, looking for additional signs of identity theft that might go unnoticed and unreported. Please note that the service can only be provided if the identity theft took place in the United States or one of its territories.

How do I activate my Full Identity Restoration service?

Members need to activate the service before their identity is stolen to be eligible for the service. To activate the service*, follow these steps:

1. After you've logged into www.PrivacyMatters123.com, scroll over the "Identity Theft" tab, and click "Kroll Identity Theft Restoration."

2. To activate your service, click "I Accept" at the bottom of the page.

*Please note that you will not be charged an additional fee for activating this service.

I think my identity was stolen. What should I do?

Call us immediately at 1-888-239-0316 so our team of licensed investigators can begin helping you restore your name back to its pre-theft status. Please note that the Identity Restoration Service can only service you as an identity theft victim if your identity was stolen in the United States.

GENERAL ACCOUNT QUESTIONS

How can I cancel my membership?

After you’ve logged in to www.PrivacyMatters123.com, you can cancel by submitting an email via the Contact Us page or by calling 1-888-239-0316 toll-free.

Can I cancel parts of my Privacy Matters 1-2-3 membership?

No. Unfortunately, we can’t separate out specific benefits from the total package. Privacy Matters 1-2-3 is a complete package of benefits that are designed to work together to assist our members.

Is there a trial membership period? How does it work?

Upon enrolling, you may have a trial membership period during which you can use all of the program benefits as much as you’d like. If you find the service is not for you, you can cancel by calling 1-888-239-0316 toll-free, and you won’t be charged a membership fee. If you wish to continue with your membership after the trial period you agreed to, the membership fee will automatically be charged to the billing source authorized by you at the time of enrollment. Online enrollees will be charged a refundable $1.00 processing fee, in accordance with the agree-upon enrollment terms.

How can I change my address?

Visit our Contact Us page to send us an e-mail, or call us toll-free at 1-888-239-0316. If you choose to send an e-mail, please select the "Program/Benefit Questions" subject heading, and be sure to include your name, membership ID number, old address, and new address for the address change.

How can I contact you?

Visit our Contact Us page to send an e-mail, or call us toll-free at 1-888-239-0316.

Is this website secure?

Privacy Matters 1-2-3 wants you to feel completely safe and secure during your visit to our website. Protecting your credit information and identity is our first priority. That's why we use the latest security technology to protect your private information during any transaction you make with Privacy Matters 1-2-3.

Our website uses 128-bit Secure Sockets Layer (SSL) technology that encrypts (or scrambles) your information during the transmission of any personally identifiable information you submit, including your credit card information. Encrypting your private information prevents it from being read while it's being transferred through the internet. We contract with industry experts to institute and review our web security on a periodic basis.

Here's how to tell that your Privacy Matters 1-2-3 transaction is secure:
• If you're using a Netscape or Microsoft browser, you'll see a small key or padlock in the bottom right-hand corner of your browser window. This indicates that your transaction is secure.

• Another way you can tell when your credit card information is safe is to look at the URL address. A URL that begins with "https://" is also an indication that your credit card information is being transmitted to a secure server.

What is your Privacy Policy?

Click here to read our Privacy and Security Policy.

How do I stop receiving future marketing emails?

Click here to visit our Contact Us page. Once you're there, select "Unsubscribe from future marketing" from the drop-down menu, and email us your request. Please be sure to include your name and membership ID number as well as the email address you'd like us to remove from our distribution list.

Please note that you'll continue to receive emails about your account as long as you are an active member of Privacy Matters 1-2-3.

What do I do if I can't find the question that I'm looking for?

Send us an email and a Customer Care Representative will get back to you as soon as possible!

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Privacy Matters 1-2-3 provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. Privacy Matters 1-2-3 and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.

*Credit services provided by TransUnion Interactive, Inc.

This page contains links to an external site that is not owned or controlled by Privacy Matters 1-2-3. Please note that any personal information collected via the link is not covered under our privacy policy.