FAQs about LoudSiren

Common Questions

Insurance Coverage and $1 Million Guarantee

Registration Questions

How Does it Work

Existing Members

1. Does LoudSiren cover spouses or minors?
   Spouses are not covered as part of a single or combined subscription type, though spouses are welcome to enroll independently—in fact, encouraged to do so if they believe their information has also been compromised. LoudSiren does not offer coverage for minors. LoudSiren does not provide coverage to anyone under the age of 18 because they seldom have established credit files. If you are concerned that your child may have become a victim of identity theft, TransUnion has set up a special email address for parents and guardians to use: childidtheft@transunion.com. TransUnion will give you a yes/no answer to the question of: does a credit file exist in the following name and Social Security Number. Please be patient for a response from Transunion.
   
   If the response is yes, we strongly recommend you contact the Identity Theft Resource Center at:
   
   Identity Theft Resource Center
   P.O. Box 26833, San Diego CA 92196
   Email: itrc@idtheftcenter.org
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2. Will placing a Fraud Alert in my credit file harm my credit score?
   Absolutely not.
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3. I’ve signed up, how do I get my free credit reports?
   Within 7-10 days after your registration with LoudSiren, you will receive notices from the three credit bureaus confirming that your fraud alerts are set. Each of these notices will provide you with a toll free number to call to obtain your free credit report.
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4. What is my LoudSiren safe number?
   We assign you a number which you should use when applying for credit. Creditors will call this number to confirm your identity. LoudSiren’s system will forward the request to you on your personal phone so you can confirm or deny the loan. Your prerecorded Voicekey and PIN assure you that it is LoudSiren calling you.
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5. What if I forget to use my LoudSiren safe number on a loan application?
   Creditors are still required to confirm your identity but it may be more difficult.
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6. More information on insurance and guarantee
   LoudSiren offers Identity Theft Insurance through AIG -- an industry leader among insurance companies, providing expert assistance and financial relief for identity restoration costs, legal defense expenses, and lost wages. More details about coverage can be found here. Additionally, LoudSiren offers a $1 Million Guarantee which may include reimbursement of stolen funds. See here for details. Insurance and Guarantee for members living outside of New York. You must be an active member of the program in order to benefit from this coverage.
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7. What if I only have dial-up Internet connectivity?
   If you have a dial-up connection but can use a cell phone at the same time to register, this will pose no problem for you. If you have only the one phone line please complete the online registration and click the "call me later" button. LoudSiren will send you an email with a link to initiate the call at your convenience.
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8. Do I need web access to register or use LoudSiren?
   No. Please use the mail-in registration form located here, and be aware that you will have to call in to customer support to have changes made to your account.
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9. Do I need a cell phone to register or use LoudSiren?
   No. You will need to answer the phone you wish to use to complete the registration process, but a home phone number is fine. If you are using dial-up internet and have only the one phone line please use the mail-in registration form located here, and be aware that you will have to call in to customer support to have changes made to your account.
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10. Can I register for my spouse, parent, or someone else?
    Yes. Note that each online registration must contain a unique email address. There are several things to consider when doing this: First, you will need to provide name, SSN, birth date, current address, and previous address for the person being registered. Second, realize that a phone number will be registered for this person and it is this phone number that will receive calls whenever someone attempts to open an account in their name. Also, during the registration process a call will be placed to this phone requesting that the consumer state their name, set a voice key, and establish a 4-digit PIN that will be used to approve any requests in the future. While this entire process can be performed on behalf of someone else, it means that their PIN is known to the person performing the registration. Common scenarios include children of elderly parents using their own phones on behalf of their parents.
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11. What if I never receive my registration e-mail?
    The most common reason for this is a typo in the email as it is entered, which harmlessly routes the registration email message to an unsuspecting recipient. The next most common reason for this is that certain anti-spam products classify this message as spam, particularly because it includes a link in it. Lastly, while messages normally arrive within a few minutes, we have seen up to 24hours for messages to get through. In any case, you can start the registration process afresh if you feel like your message is not coming. There is no harm in entering your email again if you have not gotten past the email message/link portion of the registration process.
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12. What if I never receive my registration phone call?
    The most common reason for this is a typo in the phone number. Also, many people leave their cell phone off by default. Please remember to turn your cell phone on to receive the call. Lastly, the registration call usually occurs within a few seconds of clicking on the call-now button. Dial-up users should not expect to be able to hang-up in time to receive this call. Please see alternative instructions for dial-up users.
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13. What if the link sent to me does not work?
    There are several sources of problems with this: Many email readers today disable links as a protection against spam and phishing sites. The work-around in this case is to copy and paste, or re-type the address into your browser rather than trying to click on the link in the mail message itself. Another reason people may have problems with this is that the link is long enough that it actually wraps to a second line in the email message, cropping it off before the full information is included in the link. As above, please copy/paste or re-type the link into your browser to work around this. The link is admittedly cumbersome, so double check for typos.
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14. I re-typed the link in my registration e-mail message, but the site keeps rejecting my password.
    The most common explanation for this is misinterpreting the number 1 as a lower case L (“l”), or misinterpreting the number 0 for a capital O. The only letters that may appear in the complex sequence of digits at the end of the link are ABCDEFG.
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15. What if I had a typo in my information when I registered?
    You can log back in to your profile at any time and change this information. For dial-up users, you may need to call customer support to have these changes made for you.
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16. Can more than one person register using the same phone number?
    Yes. LoudSiren is set up for this, such as household phones or spouses sharing a single cell phone, etc. Whenever LoudSiren calls it announces who it is looking for, and provides an option to hold for that person if it is not the person who answered the phone. Also, Loudsiren allows consumers to dial back into the system at their convenience to review outstanding requests, so if one person has a cell phone and a call comes in for someone else, the call can be ignored (rather than rejected) and the other person can use the phone later to review the request at their convenience.
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17. How Does it work?
    When your fraud alerts are set creditors are obligated by law to call the number in your credit files and get your permission before approving any new accounts in your name. LoudSiren sets your fraud alerts at all 3 nationwide credit bureaus, and automatically renews them as needed for as long as you are a subscriber. If someone tries to open an account in your name, you will get a call from LoudSiren requesting permission to approve the account, and it will not be opened unless you approve it.
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18. What if I miss a call?
    You can call back into LoudSiren at any time to review any pending requests. Just call 1-888-40-SIREN and follow the voice prompts to review pending requests.
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19. If I get a call requesting my permission and I want to approve, what do I do?
    If you hear your voice key played back for you at the beginning of the call and are sure it is really LoudSiren, then you must enter your 4-digit PIN to approve the request. No other response will permit the account to be opened.
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20. If I get a call requesting my permission and want to reject, what do I do?
    You can press ‘*’ to reject the request and have this rejection reported back to the creditor trying to open the account. If you hang-up, don’t press anything, or press any other keys, it is as though you ignored the call and the account will not be opened – but the creditor may try again to get your approval since they will not hear that you rejected the request either.
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21. What if I do not press ‘*’ to reject or enter my PIN
    The account remains unapproved, but you may get repeated requests from the creditor trying to open the account until you reject or approve it. Also note that you can call back into LoudSiren at your convenience to review the request and decide to approve it or reject it then. Just call 1-888-40-SIREN and follow the voice prompts to review requests awaiting your approval.
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22. What phone number is placed in my credit file?
    LoudSiren places a phone number in your credit file on your behalf that goes to the LoudSiren Identity Theft Protection Services, which in turn relays calls to you through our network to whatever numbers you have registered with LoudSiren. Your particular number in your credit file, referred to as your LoudSiren Safe Number, should have been communicated to you at the time you registered, but can also be retrieved by logging into your profile or calling Customer Support at 1-888-40-SIREN
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23. Why did I get a letter saying my fraud alert will expire in 90 days when I paid for a year?
    These letters are from the credit bureaus and will be sent to you every time LoudSiren renews your protection with them. Rest assured that LoudSiren monitors the expiration of these alerts and continuously resets them upon expiration for as long as you are a subscriber.
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24. What if I already have a fraud alert set?
    LoudSiren monitors the expiration of fraud alerts and automatically resets them as needed for as long as you are a subscriber. When a fraud alert is already set LoudSiren attempts to change the registered phone number to your LoudSiren Safe number. In the worst case scenario LoudSiren will populate your LoudSiren Safe number upon the next renewal. At no time does LoudSiren interrupt your coverage, or remove your fraud alert.
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25. What if I already have Credit Monitoring?
    Credit monitoring, like a car alarm, is a reasonable compliment to LoudSiren, which is more like the locks on your car that keep people from getting in the first place. Credit monitoring does not prevent fraud, but it can alert you to suspicious activities on your existing accounts.
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26. When my LoudSiren subscription expires, how will I renew?
    If you initially enrolled in LoudSiren using a credit card, your account will auto-renew one year from your enrollment date and your credit card will be charged the same amount you were charged in year one.
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27. How can I cancel?
    Please call LoudSiren Customer Support at 1-888-40-SIREN to cancel.
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