The Fair and Accurate Credit Transactions Act of 2003 states that all banks and creditors must call you before opening new credit accounts. However, there are exceptions and some creditors still ask personal questions or send letters requesting additional verification. In all cases, they must take extra precaution to make sure the credit application is not the result of identity theft. If a creditor opens a fraudulent account without calling you first, Debix can provide a record demonstrating that the creditor failed to honor your right to a phone call and use that record to speed the recovery process.

Debix assigns a secure phone number to your account and places that phone number in your credit file. When a bank reviews your credit file they will see your fraud alert and call your Debix phone number. Debix's secure voice server will answer and contact you immediately for approval.

Yes. Debix does not provide your personal phone numbers to banks or creditors.

Yes. Debix offers a Find Me feature that will call you at up to three phone numbers.

If you are not available, Debix will leave a message on your voice mail box asking you to call 888-DebixMe (888-332-4963) to approve a request. When you return the call, Debix will play the request for your approval.

It is placed by our secure voice servers, so there is no delay.

While Caller ID can be faked, you can be sure it is Debix calling when you hear your Voice Key played at the beginning of every call. During registration you will record a personal Voice Key by speaking a short phrase like "I am safe with Debix."

Credit monitoring services identify fraudulent activity after it has occurred. Debix gives you a warning call before the damage is done.

No. Debix Identity Protection only applies to opening new accounts.

Absolutely not - it is against the law. Contact Debix immediately if this occurs.

Identity fraud is becoming a national crisis. This year an estimated 1 in 6 Americans will have their identity stolen. Computer breaches are occurring in record numbers through government agencies, universities, major corporations, and other public and private organizations.

It can take years of frustration and thousands of dollars to correct the mistakes and remove negative information from your credit report. In the process, the damage to your credit can prevent victims from obtaining jobs, renting properties and much more.

Debix includes Identity Theft Insurance through AIG -- an industry leader among insurance companies, providing expert assistance and financial relief, for identity restoration costs, legal defense expenses and lost wages. More details about coverage can be found here.