Identity Theft Protection With 3-Bureau Credit Monitoring & $1 Million Insurance
Today, identity thieves don’t just steal credit cards. They open accounts, file tax returns and even give police your name. Complete identity protection watches for all of it, 24/7.
The Secure Max plan combines 3-bureau credit monitoring, dark web monitoring, SSN alerts and up to $1 million in identity theft insurance underwritten by AIG. Best of all, you can enroll online in minutes.
- 3-bureau credit reports, monitoring and real-time alerts
- Dark web monitoring in 25+ languages
- SSN, synthetic ID and application monitoring
- $1 million ID theft insurance (underwritten by AIG)
- Up to 3 children included free
- U.S.-based fraud restoration specialists
$1 Million
ID theft insurance for the primary member
3 Bureaus
Experian, Equifax and TransUnion monitoring
24/7
Monitoring with real-time alerts
Kids Free
Up to 3 dependent children included
Why Texans Need Identity Theft Protection
Texas ranked 4th in the nation for identity theft reports in 2024, with 116,484 reports, or 393 per 100,000 residents, according to the Federal Trade Commission’s Consumer Sentinel Network. Unfortunately, many victims don’t find out until they’re denied a loan, contacted by a collector or hit with a surprise tax notice.
That’s why monitoring matters. Instead of discovering fraud months later, alerts let you act within hours, and restoration specialists help you clean it up.
- New credit cards or loans opened in your name
- Cell phone and utility accounts using your SSN
- Synthetic identities built from your SSN
- Your mail rerouted with a change-of-address request
- Crimes committed under your stolen identity
- Fraud against your children’s clean credit files
3-Bureau Credit Monitoring and Credit Reports
First, the Secure Max plan watches your credit at all three major bureaus, so a new account in your name doesn’t go unnoticed.
3-Bureau Credit Reports
To start, get unlimited online access to your credit reports and scores, which refresh every 30 days.
Credit Monitoring & Alerts
Next, get active monitoring and real-time alerts from Experian, Equifax and TransUnion.
Credit Score Tracker
Meanwhile, plot your TransUnion credit score monthly to see trends, plus alerts when it changes by 10 points or more.
Enhanced Credit Monitoring
In addition, get alerts for new authorized users, cards over the limit and lost or stolen cards.
Checking Account Reporting
Also, know if your checking accounts are reported to ChexSystems, since a flagged account can signal fraud.
Application Monitoring
Finally, real-time SSN monitoring covers even non-credit companies like cell phone providers and utilities.
Dark Web Monitoring, SSN Alerts and More
Beyond credit, identity thieves use your information in places credit monitoring alone can’t see. So, Secure Max watches those too.
Monitoring
- Dark web & internet monitoring: global searches for your SSN, name, email and address in 25+ languages
- SSN alerts: watches for attempted misuse of your Social Security number during ID authentication
- Synthetic ID theft: alerts when your SSN is tied to someone else’s name
- Change of address monitoring: alerts on requests in the USPS National Change of Address database
- Criminal records monitoring: checks national databases for crimes in your name
- File sharing networks: monitors where thieves trade identity files
Protection & Recovery
- $1 million identity theft insurance: lost wages, legal fees and stolen funds reimbursement for the primary member, underwritten by AIG
- U.S.-based fraud restoration: specialists who help restore your identity and protect your rights
- Lost wallet assistance: help canceling and replacing cards, filing police reports and follow-up calls
- Family protection: add up to 3 dependent children free, each with $25,000 in ID theft insurance and restoration help
- Opt-Out IQ: help joining Do Not Mail and Do Not Call lists to cut junk mail and telemarketing
How to Get Identity Theft Protection Online
There’s no need to wait for an appointment. Instead, you can enroll yourself in a few minutes.
Start Online
First, click Enroll Online Now to open the secure Secure Max application.
Verify Your Identity
Next, enter your information so monitoring can begin with all three credit bureaus.
Add Your Family
Then add up to three dependent children at no extra cost, and set up your alerts.
Identity Theft Protection vs. Credit Monitoring vs. Credit Freeze
These terms often get mixed up. However, each one does something different.
| Credit Freeze | Basic Credit Monitoring | Secure Max Identity Protection | |
|---|---|---|---|
| Blocks new credit accounts | Yes, until you lift it | No | No; alerts you instead |
| 3-bureau credit alerts | No | Varies by service | Yes, all three |
| Dark web & SSN monitoring | No | Varies by service | Yes |
| Non-credit accounts (phone, utilities) | No | No | Yes, application monitoring |
| Identity theft insurance | No | Varies by service | Up to $1 million |
| Restoration specialists | No | Varies by service | Yes, U.S.-based |
A credit freeze is free at each bureau and can be used alongside identity protection for an extra layer of security.
What to Do If Your Identity Is Stolen
If you suspect identity theft, act quickly, because every day matters. Here’s where to start.
Freeze or Alert
Next, freeze your credit or place a fraud alert with Experian, Equifax and TransUnion.
Contact Companies
Then call the fraud departments of any affected banks, cards or accounts, and change passwords.
Get Help Restoring
Finally, Secure Max members can call U.S.-based restoration specialists to help clean up the damage.
Want to Build Your Credit, Too? Ask About CreditBuilderIQ
Protecting your credit is one step. Improving it, however, is another. CreditBuilderIQ is credit-building software with an AI-driven, interactive analysis of your 3-bureau credit report, a personalized gameplan and unlimited dispute letter generation for inaccuracies.
According to the provider, users could see a potential increase of at least 20 points within the first 30 days, and some users have exceeded 50 points by staying on track. Results vary, so call us to learn more.
- AI-driven interactive credit analysis
- Personalized gameplan cards
- Unlimited dispute letter generation
- Dispute hub to track each letter
- Reports from Experian, Equifax and TransUnion
Related Coverage From Lavon Insurance
Identity protection works best as part of a complete plan. Similarly, these policies protect your home, assets and business.
Homeowners Insurance
First, protect your home, belongings and liability with coverage from multiple carriers.
Home Insurance →Umbrella Insurance
In addition, add extra liability protection above your home and auto limits.
Umbrella Insurance →Cyber Insurance for Business
Likewise, if you own a business, cyber insurance helps with data breaches and customer information.
Cyber Insurance →Frequently Asked Questions
What is identity theft protection?
Identity theft protection is a service that monitors your credit, Social Security number and personal information for signs of fraud, then alerts you and helps you recover. In addition, plans like Secure Max include identity theft insurance to reimburse covered losses.
What does the Secure Max plan include?
Secure Max includes 3-bureau credit reports and monitoring, dark web monitoring, SSN and synthetic ID alerts, application and change-of-address monitoring, criminal records monitoring, lost wallet assistance, U.S.-based restoration and up to $1 million in identity theft insurance.
What does $1 million identity theft insurance cover?
For the primary member, it covers lost wages, legal fees and reimbursement of stolen funds related to identity theft, up to $1 million. The insurance is underwritten by AIG, and policy terms apply.
Does identity theft protection cover my children?
Yes. You can add up to three dependent children to Secure Max for free, and each child receives $25,000 in identity theft insurance and restoration assistance. For more than three children, extra coverage is available at a low cost.
Is identity theft protection the same as credit monitoring?
No. Credit monitoring watches your credit reports, whereas identity theft protection also monitors the dark web, your SSN, non-credit applications, address changes and criminal records, and adds insurance and restoration help.
Should I freeze my credit if I have identity theft protection?
You can use both. A credit freeze blocks new credit accounts, while identity protection alerts you to many other types of fraud. Therefore, many people use a freeze and monitoring together.
What is synthetic identity theft?
Synthetic identity theft combines real and fake information, such as your real SSN with a different name, to create a new identity. Because it may not show up on your own credit report right away, Secure Max specifically watches for it.
Can I sign up for identity theft protection online?
Yes. You can enroll in Secure Max online in a few minutes using our instant online application. If you’d rather talk it through first, call Lavon Insurance at (972) 853-8884.
What should I do if my identity is stolen?
Report it at IdentityTheft.gov, freeze your credit or place a fraud alert with all three bureaus, and contact the fraud departments of affected companies. Then, if you’re a Secure Max member, call the restoration team for help.
Does CreditBuilderIQ guarantee a higher credit score?
No. CreditBuilderIQ provides tools and a personalized gameplan, but results vary. It doesn’t provide credit counseling or promise to improve your credit score.
Get 24/7 Identity Theft Protection in Minutes
With Secure Max, you monitor all three credit bureaus, watch the dark web and get up to $1 million in identity theft insurance. Enroll online now, or call us with questions.
Secure Max is provided by IdentityIQ. Identity theft insurance is underwritten by AIG; coverage is subject to the terms, conditions and exclusions of the policy. CreditBuilderIQ results may vary; CreditBuilderIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history or score. Credit scores provided are based on the VantageScore® 3.0 model, and lenders may use different scores. Not all lenders use Experian, Equifax or TransUnion credit files.