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Frequently Asked Questions Answered by Debix Identity Protection Network

How does it work?
When you sign up with Debix, we set Fraud Alerts with each of the 3 credit bureaus – Equifax, Experian and TransUnion. When a creditor opens up your credit file to process a new credit application, they will see the Fraud Alert and must contact you before opening the account.
Do all banks have to call me before opening new accounts?
The FACT Act of 2003 states that, if you have a Fraud Alert on your credit file, all banks and creditors must call you before opening new credit accounts. This includes all credit cards, loans and mortgages, as well as some utility accounts and checking accounts that include a line of credit.
There are exceptions and some creditors still ask personal questions or send letters requesting additional verification. In all cases, they must take extra precaution to make sure the credit application is not the result of identity theft. If a creditor opens a fraudulent account without calling you first, Debix can provide a record demonstrating that the creditor failed to honor your right to a phone call and use that record to speed the recovery process. 
How do banks contact me?
Debix assigns a unique secure phone number called your Debix Safe Phone Number to your account and places that phone number in your credit file. When a bank reviews your credit file they will see your fraud alert and call your Debix Safe phone number. Debix’s secure voice server will answer and contact you immediately for approval.
Does Debix keep my cell phone number private?
Yes. Debix does not provide your personal phone numbers to banks, creditors, or even debt collectors.
Can Debix call me at more than one number?
Yes. Debix’s Find Me feature will call you at up to three registered phone numbers.
What happens if I miss a call?
If you miss the call, you can always call us back at 888-DebixMe (888-332-4963) to approve a request. When you return the call, Debix will play the request for your approval.
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. Our voice servers run 24/7, so you can always call in to approve or deny credit requests at any time.
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 Voice Key by speaking a short phrase like “I am safe with Debix."
How is Debix different from credit monitoring services?
Credit monitoring services identify fraudulent activity only after it has occurred. Debix gives you a warning call before the damage is done.
Will Debix affect my ability to use my existing credit cards?
No. Debix Identity Protection only affects new credit accounts.
Can a bank reject me because I am using Debix?
Absolutely not - it is against the law. Contact Debix immediately if this occurs.
How do I sign up?
If you are a registered voter in Davidson County affected by the recent theft at the Election Commission you should be receiving a letter with detailed instructions on how to sign-up. Once you receive your letter containing your activation code, you can sign-up online at www.debix.com/nashville or by mailing in an application found here.