Anyone with a credit card, regardless of its card type or bank affiliation, can enroll. You do not need to be a Citi^® cardmember to enjoy the benefits of this valuable program.

Credit Monitoring every day


Keeping track of credit file activity is your best weapon against identity theft. IdentityMonitor^® proactively checks the activity on your credit file every day to help you stay informed and act quickly if potentially fraudulent activity appears.

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Alerts to warn you of potential fraud


The sooner you know about changes in your credit file, the sooner you can take action. NOTIFY EXPRESS ^® promptly alerts you to changes that may indicate fraud—such as address changes, new account openings or new inquiries made for the purpose of extending credit—via email, U.S. Mail, phone alerts, or text messaging.

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Personalized credit reports, scores, & analysis


Ensure that your credit file is accurate. Upon enrollment, you'll receive a personalized credit report and score with detailed instructions on how to interpret it. Plus, to help you gauge the health of your credit, you'll receive an analysis of the credit score compared to national averages. As a member, you can then check the credit report and score every month for updates. The scores you receive with IdentityMonitor^® are provided to help you understand your credit and are not the same scores used by lenders to evaluate your credit.
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Fraud and Credit Education Specialists


Speak with Fraud and Credit Education Specialists Monday-Friday, 8 a.m.-11 p.m. ET, and Saturday 9 a.m.-6 p.m. ET at 1-866-279-9637. They'll answer questions about your member benefits, credit report, and credit score, and can assist you with fraud and identity theft prevention and recovery.

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Secure 24/7 online access to your credit file information


Log-in to view your complete, up-to-date credit file online anytime.

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In the event of identity theft, immediate transfer to Citi^® Identity Theft Solutions


Citi Identity Theft Solutions provides services for victims of fraud and identity theft. Should you become a victim, contact us and you'll have the expert support you need, step by step, to help you get your life back.

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Identity Theft Expense Reimbursement Coverage


As a member, if you ever become a victim of identity theft, you'll be covered for certain expenses up to $10,000 in AK, HI, NY, OH, PA and WA and up to $25,000 in all other eligible states. This benefit is not available to members who enroll using a Florida mailing address.*

Expenses covered include:

	Lost wages (up to $500 per week for a maximum of 4 weeks) as a result of time taken off from work to deal with the fraud.**
	Notary and certified mailing costs for completing and delivering fraud affidavits.
	Loan application fees when reapplying for loans declined due to erroneous credit information from the identity theft.
	Long distance phone charges associated with re-establishing your identity.
	Attorney fees incurred (with prior consent) for defending suits brought incorrectly by merchants and their collection agencies, for removing civil judgments wrongly entered against the victim, and for challenging information in a credit report.
	Reimbursement of the cost of up to four (4) credit reports.
*	Exclusions and limitations apply. Click to review/print benefit information.
**	Lost wages must occur during the policy period.