Frequently Asked Questions
- Will there be any additional cost for this upgrade?
- Does credit monitoring affect my credit score?
- What kind of events will trigger an alert?
- How is this different from what I have now?
- What will happen with my fraud alert?
- What if I already have credit monitoring?
- How does Debix contact me?
- Does Debix keep my cell phone number private?
- Can Debix call me at more than one number?
- What happens if I miss a call?
- Is the Debix warning call placed by a person or a computer?
- How can I be sure it is really Debix calling me?
- Will Debix affect my ability to use my existing credit cards?
- Can a bank reject me because I am using Debix?
- Do I really need to worry about identity theft?
- What kind of insurance do you have?
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No. All of Debix's existing customers will be migrated to this new platform with all the expanded functionality at no additional cost. No action is required on your part.
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No. Only when you ask a possible creditor to inquire about your credit can it affect your score. You as the consumer have the right to monitor your credit as much you like without any negative effects.
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Any new accounts posted to your credit file. Now that Debix will use feeds directly from the credit bureaus, you will be alerted anytime a lender posts a new account to your credit file. If you have not applied for any new lines of credit, you will be connected immediately to the OnCall team who will work with the lender to close any unauthorized accounts.
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Debix will continue to alert you as an attack happens, but your protection is enhanced to ease the process of verifying instant credit applications and expanded to protect against existing account takeover.
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Debix will no longer set fraud alerts on your behalf. Your protection will not be interrupted. Debix is simply switching the source from which we receive information about potential fraudulent activity pertaining to your credit.
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Debix's credit monitoring differs from traditional credit monitoring because our alerts are mobile. You'll be alerted on your registered phone numbers anytime new accounts are opened in your name. Should this be an indication fraudulent activity, you will be immediately connected to an OnCall Investigator to work on your behalf with the lender. Debix will also continue to provide full identity recovery and insurance.
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Debix will contact you at up to three registered telephone numbers in your name.
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Yes. Debix does not provide your personal phone numbers to banks or creditors.
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Yes. Debix offers a Find Me feature that will call you at up to three phone numbers.
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If you are not available, Debix will leave a message on your voice mail box asking you to call 888-DebixMe (888-332-4963) and follow the voice prompts to review the alert.
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It is placed by our secure voice servers, so there is no delay.
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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."
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No.
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Absolutely not - it is against the law. Contact Debix immediately if this occurs.
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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 you from obtaining jobs, renting properties and much more.
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Debix includes loss reimbursement identity theft insurance coverage, providing expert assistance and financial relief up to $1,000,000, for identity restoration costs, legal defense expenses and lost wages. More details about coverage can be found here.