How It Works

Today, despite everyone's best efforts, identity thieves strike over 9.9 million times a year and commit over $48 billion in fraud *. You can become a victim of identity theft when thieves are able to impersonate you and acquire credit cards, home equity loans, and many other types of credit or loans in your name.

Debix solves this problem by putting you in control of your identity. The idea behind the Debix Network is simple - ID Theft cannot happen when you are involved. A thief can convince a bank that he is you, but he can't convince you that he is you. The Debix Network puts the power to authenticate new credit accounts in your hands.

1. A thief applies for a credit card using your stolen identity. 2. You get an Instant Authorization call through the secure Debix network. 3. You press the star key on your phone if you suspect fraud.

The Steps In Detail

  • A thief steals your personal information and applies for credit.
  • Debix places an Instant Authorization™ call to you through the Debix Network to confirm the account is not fraudulent.
  • When answering your phone, you will hear your pre-recorded Debix Voice Key confirming that the call is legitimate and not a phone scam.
  • Without your pre-registered phone and 4-digit PIN, no one can approve the request.
  • If you suspect the request is fraud, press the star key on your phone to stop the transaction instantly and block the imposters. The fraudulent account will be closed, and your credit will be restored.
  • You will immediately be joined by a member of the Austin, TX based Debix OnCall Investigation Team to investigate the attack and engage law enforcement as necessary.

Your credit is the building block of your life

Debix provides secure, multi-band, multi-factor authentication. When you receive a call from Debix alerting you that someone is attempting to open a new credit account or make changes to an existing account, you can trust that the call is legitimate.

At registration, you will select a PIN number for your account and record a Voice Key that you will recognize when you receive a call. If you receive a call and suspect the account is fraud, pressing the star key on your phone will immediately connect you to a Debix OnCall investigator.

If a creditor opens a fraudulent account in your name, you are still protected by Debix. Our $25,000 loss reimbursement identity theft insurance coverage and recovery services will provide you with financial protection. We will restore your identity.

* Source: Javelin Strategy and Research: 2009 Identity Fraud Survey Report

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