Summary Of Benefits

As a Peak CU member with Fraud Defender, you and your qualifying family members have access to the services described below. The benefits are already working for you without any additional registration.

Dedicated Recovery Advocates are standing by to perform research and remediation for all types of identity theft through a limited power of attorney authorization. There is no time limit and no problem is too small or too difficult. Our Recovery Advocates will also address the reversal of records created by fraud with the goal of returning your identity to pre-breach status.

If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Depending on your identity fraud incident, an Advocate will be prepared to: 

• Perform research to determine the extent of the problem, including a review of your credit report data

• Provide instruction for the placement of fraud alerts and credit freezes with the three major credit bureaus 

• Write letters and make calls on your behalf to dispute fraudulent information

• Coordinate with government agencies, financial institutions, creditors, and others to resolve incidents

• Create and then maintain a case file to assist law enforcement in the prosecution of the perpetrators, if found

• Request the removal of fraudulent records to assist in recovering your identity to pre-theft status

This service covers all types of identity theft, even if it is not related to your account. This service is available to all persons named on your account, and extends to three generations (3G) of your family. Family members include you, your spouse or domestic partner, your dependents with the same permanent address, any IRS-qualified dependents, and your parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services even continue to help those left behind who may need to deal with identity theft of a loved one after death.