ID Protection/Credit Monitoring

ID Protection/Credit Monitoring Services

Think you don’t need ID Protection and Credit Monitoring? Think again.

ID Protection and Credit Monitoring is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches, affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone—regardless of your age and income, where you live, or how careful you are. Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them to contend with the aftermath of identity theft and credit monitoring for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.

That’s why BHCU provides ID Protection and Credit Monitoring to share draft (checking) account holders at no cost.

We have partnered with one of the nation’s most trusted names in ID Protection and Credit Monitoring to provide you with access to a comprehensive suite of services to address fraud caused by ID theft if it happens to you or your family member.


What to do if I suspect fraud? Contact a BHCU representative OR call 610-595-2929


These Services Include:

Fully Managed Identity Theft Research, Remediation and Recovery

If you suspect identity theft, or if your personal information becomes compromised, we will assign you to a professional, certified and licensed Recovery Advocate who will complete the recovery work on your behalf, report progress along the way, and be there for you until your good name is restored – no matter how long it takes!

  • Perform research to determine the extent of the problem, including a review of all three credit reports (if appropriate)
  • Assist with the placement of fraud alerts with the three major credit bureaus
  • Write letters/ make calls on your behalf to dispute fraudulent information
  • Coordinate with government agencies, financial institutions, creditors, etc. to resolve incidents
  • Work with law enforcement to help to arrest and prosecute the criminals
  • Follow up for 12 months after recovery

This service covers all types of identity fraud, even if it is not related to your account(s) with BHCU! Types of identity fraud covered include: credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and any other identity fraud recognized by the Federal Trade Commission. Please refer to Terms and Conditions for details.

Lost Document Replacement

If you have an important document that has been lost, stolen or destroyed as a result of an identity theft incident or information compromise, we can help! Just let us know and we will refer you to a professional Recovery Advocate who will work with you to replace your missing documents, including credit cards. Your Recovery Advocate will work with you to contact creditors, cancel the compromised information, and obtain replacement documents.

Identity Theft Expense Reimbursement Insurance – up to $25,000*

Expense Reimbursement Insurance is available to cover out of pocket expenses incurred during the identity recovery process up to a maximum of $25,000. 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.

To review the Identity Theft Expense Reimbursement Insurance Evidence of Coverage, please CLICK HERE.

Entitlement to Credit Monitoring

If you decide to activate this service, you will receive alerts of changes to your credit file that could signal identity theft. We can even send the alerts to you in a text message for ease of use and rapid communication. The entitlement is applicable to individuals named as the primary account holder and are age 18 and older who have a valid credit file.


Step 2: Follow the link below and input your unique Enrollment ID Code.

Your credit monitoring will not begin until you have successfully validated your identity by completing the online activation process. Following activation, you will receive alerts of any changes to your credit file which may help you detect identity theft. The credit monitoring is applicable to eligible individuals age 18 and older who have a valid credit file. There is no cost to you for taking advantage of this offer. Should you have any questions about the credit monitoring activation process, please call the Recovery Care Center at 1.866.647.6223.

* Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available in NY and may not be available in other U.S. territories or jurisdictions in the future.

Online Banking Login