NEW CREDIT MONITORING BENEFIT INFORMATION

3-in-1 Credit Monitoring is a new benefit now included with your Alumni ID Recovery subscription available to you at no additional cost. Credit Monitoring automatically monitors a wide range of data on your credit or jointly-held accounts. Activation of this new benefit ensures you will be notified if any changes are made to your credit report.

Due to industry regulations, all Alumni ID Recovery subscribers must activate Credit Monitoring to take advantage of this new service. We cannot simply add it to your subscription as you will need to provide additional personal information that was not required during your initial enrollment. As part of the enrollment process, you will be asked for personal information including your social security number and during the verification process you may need to provide credit account numbers.

We urge everyone to take advantage of this new service. 3-in-1 Credit Monitoring is a helpful tool in the fight against identity theft that provides:

• Real-time alerts of suspicious activity to stop criminals in their tracks and help minimize the damage to your credit.
• One-time access to credit reports from the three major credit bureaus and unlimited access to your TransUnion Credit Report and score.
• Post-Incident Identity Tracking (if your identity is compromised) that tracks and alerts you if your personal information is being illegally traded on the internet or appears in public records databases.
• Continuous credit monitoring throughout the term of your subscription.

Your Membership/Subscriber Number will be needed to give you access to Credit Monitoring. The credit monitoring benefit is limited to one activation per household. However, all joint accounts that you hold with your spouse and/or children will appear on your initial credit report and credit file. After activating the 3-in-1 Credit Monitoring benefit, you will receive an initial credit report and credit alerts. The alerts notify you when changes have been made to your credit report. By staying aware of these changes, you can identify whether the actions are a result of fraud or of your own activity before damage can be done.

Credit alerts are sent by e-mail. Subscribers can elect to receive their alerts once per week or per month and may choose to receive them by U.S. mail. A credit alert is generated whenever one of the following activities takes place: Important Note: A new collection account or takeover of an existing account without an address change does not generate a credit alert. All Alumni ID Recovery subscribers are urged to be cautious even if activating this credit monitoring benefit.