Frequently Asked Questions

  1. Does credit monitoring affect my credit score?
    No. Only when you ask a possible creditor to inquire about your credit can it affect your score. You as the consumer have the right to monitor your credit as much you like without any negative effects.
  2. What kind of events will trigger an alert from the Debix OnCall system?
    Any new accounts posted to your credit file. Now that Debix will use feeds directly from the credit bureaus, you will be alerted anytime a lender posts a new account to your credit file. If you have not applied for any new lines of credit, you will be connected immediately to the OnCall team who will work with the lender to close any unauthorized accounts.
  3. What if I already have credit monitoring?
    Debix's credit monitoring differs from traditional credit monitoring because our alerts are mobile. You'll be alerted on your registered phone numbers anytime new accounts are opened in your name. Should this be an indication fraudulent activity, you will be immediately connected to an OnCall Investigator to work on your behalf with the lender. Debix also provides full identity recovery and insurance.
  4. How does Debix contact me?
    Debix will contact you at up to three registered telephone numbers in your name.
  5. Does Debix keep my cell phone number private?
    Yes. Debix does not provide your personal phone numbers to banks or creditors.
  6. Can Debix call me at more than one number?
    Yes. Debix offers a Find Me feature that will call you at up to three phone numbers.
  7. What happens if I miss a call?
    If you are not available, Debix will leave a message on your voice mail box asking you to call 888-DebixMe (888-332-4963) and follow the voice prompts to review the alert.
  8. Is the Debix warning call placed by a person or a computer?
    It is placed by our secure voice servers, so there is no delay. If you find out from the alert that there is fraudulent activity, you will have the option to connect immediately to a live person.
  9. How can I be sure it is really Debix calling me?
    While Caller ID can be faked, you can be sure it is Debix calling when you hear your Voice Key played at the beginning of every call. During registration you will record a personal Voice Key by speaking a short phrase like "I am safe with Debix."
  10. Will Debix affect my ability to use my existing credit cards?
    No.
  11. Can a bank reject me because I am using Debix?
    Absolutely not - it is against the law. Contact Debix immediately if this occurs.
  12. Do I really need to worry about identity theft?

    Identity fraud is becoming a national crisis. This year an estimated 1 in 6 Americans will have their identity stolen. Computer breaches are occurring in record numbers through government agencies, universities, major corporations and other public and private organizations.

    It can take years of frustration and thousands of dollars to correct the mistakes and remove negative information from your credit report. In the process, the damage to your credit can prevent you from obtaining jobs, renting properties and much more.

  13. What kind of insurance do you have?
    Debix includes loss reimbursement identity theft insurance coverage, providing expert assistance and financial relief up to $1,000,000, for identity restoration costs, legal defense expenses and lost wages. More details about coverage can be found here.

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