How does FraudArmor™ work?

Certified Fraud Recovery Specialists

The FraudArmor team of certified Resolution Specialists provides high quality recovery services. Each Resolution Specialist holds the following designations:

  • FCRA/FACTA – Fair Credit Reporting Act /Fair and Accurate Credit Transactions Act Certified. This allows the Resolution Specialists to work directly with credit reporting data. Renewal of the certification, per person, is required every two years.
  • CITRMS – Certified Identity Theft Risk Management Specialist. This designation is provided by the Institute of Consumer Financial Education.
  • Crisis Counseling Trained: Identity theft can be frightening and stressful and our Resolution Specialists are specially trained to be thorough, friendly, caring, and effective.

Additionally, FraudArmor is a member of the following industry organizations:

  • Association of Certified Fraud Examiners– World's largest anti-fraud organization and premier provider of anti-fraud training and education. More than 70,000 members. Worldwide.
  • International Association of Financial Crime Investigation – A non-profit international organization, the association provides services and an environment within which information about financial fraud, fraud investigation and fraud prevention methods can be collected, exchanged and taught for the common good of the financial payment industry and our global society.

The Resolution Specialists all operate out of our Resolution Center. Our Resolution Center is located in Maryland, USA.

Service Time Frame

FraudArmor is available for up to one year from the date your check order is shipped or your use of the last check in the applicable check order; whichever is first (your "Service Period"). Service is only available for fraud that occurs or is first discovered during your Service Period. If you are in the recovery process (actively working with a Resolution Specialist) when the Service Period expires, your recovery case will continue until it is resolved, with no time limit.

Check Fraud and Identity Recovery Process

If you discover that you have been the victim of fraud, please contact a Resolution Specialist immediately at 866-923-0452. A personal Resolution Specialist will be assigned to manage your case and will:

  • Deliver to you, via overnight mail or electronically, the required documentation to begin the Check Fraud or Identity Theft Recovery process.
  • Work under the authority of a signed Limited Power of Attorney to deal directly with the financial institution, credit bureaus, police, bill collectors, government agencies and others.
  • Perform research and fraud remediation on your behalf, as needed, until the fraud has been completely resolved.
  • Provide 12 months of regular follow-up and, at no cost to you, credit monitoring for one full year to stay alert to changes in your credit file.

To learn more about the FraudArmor Recovery Services, visit the Service Description page.

Internet Monitoring Service

Identity thieves are notorious for using the internet to locate the personal information of unsuspecting victims. They also use the internet to buy, sell, and trade critical pieces of personal information which may then be used for identity fraud. FraudArmor's Internet Monitoring Service is a proactive, early detection and warning system to detect when your personal information is exposed on high risk areas of the Internet. You can select and manage up to 16 credentials for monitoring. The services are provided for one accountholder named on the checks to which the Services are attached, or for business check orders, the Services are provided for the Company's and/or an Owner or Officer's credentials (if provided). The Internet Monitoring Service is an optional service provided free with your FraudArmor purchase and requires activation online at www.fraud-armor.com.

To learn more about the FraudArmor Internet Monitoring Service, visit the Service Description page.

Lost Document and Lost Wallet Replacement

The Resolution Specialist will work with you to cancel and replace credit cards and other documents such as licenses, passports, personal bank accounts and government issued documents, if they are lost or stolen. The Services are provided for all accountholders named on the checks to which the Services are attached, or for business check orders, the Services are provided for an Owner or Officer of the business.

To learn more about the FraudArmor Lost Document and Lost Wallet Replacement, visit the Service Description page.

Business Account Fraud Remediation

Business fraud involves the improper use of the Company's name, address, tax identification number, bank account number, business credit cards, business credit information, other identifying information without the knowledge of the Company's Owners or Officers and the information is used to commit fraud with the account on which the FraudArmor checks were issued. The Services are provided for the account on which the business checks were issued. To learn more about FraudArmor Business Fraud Remediation, visit the Service Description page.