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 use your personal information to acquire credit cards, home equity loans, or take over existing credit accounts in your name.

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

The Steps In Detail

  • Customers receive a secure, automated OnCall Credit Alert by phone with information on a recent change in their credit file.
  • The name of the bank or creditor and the type of account are provided.
  • If the account is recognized as legitimate, the customer presses the "1" key on the phone and the call is completed.
  • If the account is not recognized and fraud is suspected, the customer presses the "*" key to be immediately connected to a Debix OnCall Investigator.
  • The OnCall Investigator will immediately initiate an investigation.
  • If appropriate, law enforcement will be notified to pursue the criminals responsible.

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 $1,000,000 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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