Identity Theft
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Identity Theft

Identity Theft is on the rise as thieves continue to employ more creative methods to access technology, deplete financial accounts and assume new identities. According to the FBI, identity theft is one of the fastest-growing U.S. crimes, with over ten million victims. ID Theft products can help members monitor their financial accounts for potentially suspicious activity, and help them resolve most of the problems they will incur as a result.

Smart Identity Restoration1

As an ID TheftSmart member, you'll have exclusive access to your own experienced, licensed investigator. In the event your identity is compromised, he or she will take care of the majority of paperwork and hours of legwork required to reclaim your identity to pre–theft status and regain your financial standing—including areas most people don't even think of as being affected by identity theft.

Smart Credit Monitoring2

Of course, the best way to safeguard your identity is through constant vigilance and early detection. ID TheftSmart provides continuous credit monitoring to alert you to any potential problems or suspicious activity.

Become an ID TheftSmart member today

Identity theft is an issue of deep personal concern for many people, and as such, we understand that your needs and preferences are just as personal. That’s why ID TheftSmart™ offers a choice of identity theft packages—each backed by our 100% Satisfaction 30-Day Money Back Guarantee.

Basic Plan

— $7.95/month

Spouse Coverage

— additional $3.95/month

1Comprehensive enhanced identity theft restoration, including employment, motor vehicle and other non-credit searches.

2Continuous credit monitoring, with email notices alerting you to certain activity in your credit file which is commonly associated with identity theft.

We safeguard your identity and actively help you fight back if it's ever stolen.

Restore Your Credit, Regain Your Peace of Mind

We provide full-service restoration, which means our experienced, Licensed Investigators do the bulk of the work on your behalf. And since one dedicated, Licensed Investigator is assigned to your case, you won’t have to explain your situation over and over again.

Correct More than Just Your Credit

Identity theft impacts more than just your credit — it can affect your driving record, employment history, criminal record and more. Your professional Licensed Investigator will perform non-credit-related searches and will work diligently to resolve disputes with local and national agencies and institutions such as the Department of Motor Vehicles, Social Security Administration, law enforcement personnel and more to restore your name to pre-theft status.

Credit Report and Score

You are entitled to an up-to-date credit report based on data from a national credit repository at no extra charge! Upon completing the required authorization online at the Web address found on your Welcome Letter, you will receive access to a credit report from Experian, including a guide on how to read the report.

A detailed analysis of your Personal Credit Score will be included with your first Credit Report. You can use this analysis to evaluate your current credit standing…and, if necessary, make the adjustments necessary to improve it.

Monitor Your Credit Continuously (1BM)

You'll be promptly notified by email (or regular mail if no email address is provided by you) when your Experian credit file shows certain credit activity in your name that's commonly associated with identity theft, such as applying for a new credit card or loan, a change of address, etc. If the transaction isn't one you initiated, simply call ID TheftSmart toll-free and we'll immediately put you in touch with a Licensed Investigator to find out what's happening and correct the problem. We'll even send you "no activity" notices when there's been no activity in your credit file, so you always know your credit is closely monitored.

Enjoy our 100% Satisfaction 30-Day Money Back Guarantee

Once you receive your ID TheftSmart membership kit, take up to 30 days to decide if you want to keep your membership. If you decide to cancel, let us know within 30 days and receive a full refund. No questions asked.

Go With Industry Experts You Trust

Your identity is far too valuable to entrust to just anyone. ID TheftSmart is brought to you by Kroll Inc., the world's leading risk consulting company, and Mercer Consumer, a service of Mercer Health & Benefits Administration LLC. We've offered enhanced identity theft consultation and restoration services since 1999, combining thousands of hours of experience counseling identity theft victims with exceptional customer service. What's more, we comply fully with the Fair Credit Reporting Act and other applicable regulations, and have established processes and procedures with credit repositories and government agencies.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

No. Identity theft restoration services are available at no additional charge for all ID TheftSmart members in good standing.

If you are not currently an ID TheftSmart member and would like our assistance resolving your identity theft issue, our restoration services are available to you for a one-time $1,500 restoration fee.

No identity theft program or service can guarantee you'll never be a victim of identity theft. What ID TheftSmart can deliver is continuous credit monitoring that alerts you as soon as there is questionable credit activity in your name, such as applying for a new credit card or loan, a change of address, etc. The earlier you discover suspicious activity, the less damage the identity thief can do. You'll also receive an up-to-date credit report and credit score with detailed analysis at no extra charge.

Becoming an ID TheftSmart member is easy. Simply click on the "Enroll Now" button and complete the online enrollment form. Your ID TheftSmart membership begins the date your online application is processed. You'll receive a welcome letter which will include additional information about your program.

To activate your credit monitoring and credit report service you must visit the Web address provided on your welcome letter.

The truth is, without continuous monitoring and vigilance, it's not always easy to tell. In many instances, it can be years before people realize their identity has been stolen. The best way to learn of identity theft is to monitor your financial records and make sure they're accurate. Obtaining updated credit reports and credit scores is also important. Unfortunately, today’s hectic schedules mean most people don’t invest the time to do this on a regular basis.
Identity thieves access your personal information in a number of ways such as stealing mail, rummaging through trash, and stealing a wallet or purse—or even getting it via email or phone by posing as legitimate company claiming there’s a problem with your account. Others access personal information you share on the Internet or steal private information directly from organizational and company databases.

In most cases, the goal of identity theft is financial gain. It’s common for an identity thief to call a credit card company and ask that the mailing address be changed. They run up charges on the account, and then have the bill sent to another address. Another tactic is to take out a loan or open a new credit card or bank account using your name, date of birth, and Social Security number. In all cases, creditors think they’re dealing with you.

Still others may use your identity to gain employment, file for fraudulent health benefits, or commit other types of criminal activity.

If you suspect you've become a victim of identity theft, simply call the toll-free number on your ID TheftSmart membership card. Our professional licensed investigators will do most of the difficult work needed to restore your name and credit to pre-theft status as accurately, completely, and quickly as possible.

You'll be assigned a single licensed investigator for your entire case who will begin your identity theft restoration process. In order to receive the full benefit of enhanced identity theft restoration, you'll be asked to sign and return a limited power of attorney that provides your investigator the legal rights to become your advocate and work on your behalf.

Identity restoration can take anywhere from a few months to a year or more, depending on how extensive the identity fraud is and how in-depth our investigators must go to get it corrected. Your case isn't closed until your restoration is complete to your satisfaction and we receive verification that your issue is resolved.

If your identity is ever stolen, the impact may be more far-reaching than you ever imagined — from unwelcome additions to your driving record to criminal activity conducted in your name. Most victims of identity theft have no idea these things are even occurring, let alone how to go about getting them corrected.

As part of our restoration services, ID TheftSmart searches applicable local and national databases, including sources known primarily to the investigative community, on your behalf. We then work with the affected agencies and institutions to help correct all credit and non-credit issues related to identity theft.

In the past year alone, more than 9 million Americans were victims of identity theft. On average, each spent more than 175 hours and $1,800 to restore their name and financial standing. Attempting to resolve identity fraud issues on your own can be complicated and overwhelming, and it's hard to know ALL the steps you need to take.

ID TheftSmart is the only identity theft service that provides full-service identity restoration in the event your identity is ever stolen. While others may hand you a do-it-yourself kit with phone numbers or information on how to issue a fraud alert, our licensed investigators do the bulk of the work for you, saving you countless hours of time and frustration — not to mention keeping your out-of-pocket costs to a minimum.

We're here to help! Please contact us in whatever manner is most convenient for you.

 Mailing Address:

Mercer Consumer
PO Box 14524
Des Moines, IA 50306-3524

Street Address for express shipment:

Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50323
Phone:  800-637-8318
(8:00 a.m. to 5:00 p.m. Central, M-F)

Get Started!

100% satisfaction 30-day money back guarantee

Enroll Now!

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.

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