Were you a victim of identity fraud? ID Smart can help.

PEMCO ID Smart isn't a coverage you purchase or add to your policy. It's a value-added service — yours automatically because you're a PEMCO policyholder.  If you have an auto or home policy with us, you already have access to PEMCO ID Smart.  It's also available to family members who live in your home.

Why should I care about ID theft?

Washington and Oregon recently ranked 2nd and 3rd for the worst states for rate of identity theft.

How can I reduce my risk?

While we can’t completely eliminate identity theft, there are steps you can take to reduce your risk.

Where can I check all three of my credit reports for free each year?

There’s one place where you can get a free copy of your credit reports from Trans Union, Equifax, and Experian each year.
ID Smart Services
available to all policyholders
​​​​In the aftermath of an identity fraud, PEMCO ID Smart is the fastest and most comprehensive way to get things back to normal.  Using one-on-one representation, your personal advocate acts as your communication hub with all relevant parties and helps you protect your identity.​


Extended Monitoring

​In the year that follows, your personal advocate continues to monitor your credit for fraud or any recurring credit issues.  The discrepancies related to identity fraud can take time to surface, making extended monitoring a necessary part of any resolution service.​​​

​​​​​If you've experienced a disaster, chances are you've lost many of the important documents you need to rebuild your life and defend yourself against fraud.  PEMCO ID Smart helps you get your life back on track as quickly as possible.  Your personal advocate manages your communications with government agencies, financial institutions, employers, health care providers, insurance companies, and even friends and family.

Replace What Was Lost

Working through secure channels, your advocate helps you replace Social Security cards, birth certificates, licenses, passports and tax documents.  During the process your advocate works to protect your identity and ensure you have uninterrupted access to your finances.

​​The frustration and confusion of dealing with identity theft in a foreign country can ruin your travel plans.  That's why PEMCO ID Smart offers identity resolution services for customers traveling abroad.  You can call your personal advocate toll-free from over 35 countries worldwide.  Your advocate communicates with government agencies and financial institutions on your behalf and prepares the necessary correspondence to notify all relevant parties.

Always There

PEMCO ID Smart is on call 24/7 to help replace passports, visas, driver's licenses, identification, and immigration documents.  Your personal advocate works to get your travel plans back on track and continues to monitor your credit for signs of fraud over the following year.​​

​​Moving is always difficult, and it often exposes you to identity fraud.  That's why PEMCO ID Smart offers proactive solutions for managing and protecting your identity whenever you move.  Your personal advocate works with you to protect your financial, credit, and identity data during your move.  Your advocate acts as a single point of contact with all of the key figures who need to be notified of your move.

Extended Follow-up

For up to one year your advocate monitors your file, checking for signs of identity fraud and alerting you to possible credit threats.  If any documents are lost during the move, your advocate will be available 24/7 to help you recover passports, visas, marriage licenses, property deeds, or other important paperwork.

​​A stolen medical identity allows thieves to exploit services, forge insurance claims, and falsify records at your expense.  PEMCO ID Smart helps you regain your identity and minimize the damages related to identity fraud.  A full-time personal advocate is assigned to your case to communicate on your behalf with health care providers, collection agencies, medical fraud investigators, and health insurance companies.  This fraud specialist also maintains a comprehensive case file throughout the process, so you always have access to documentation.

An Industry First

Working within the limits of the Health Insurance Portability and Accountability Act (HIPAA) and identity protection and data protection regulations, PEMCO ID Smart can help you resolve medical identity issues.

​Military personnel stationed abroad are often the targets of identity fraud.  Stolen identities can be used for an extended period while you're overseas, increasing the amount of damage that occurs.  Using one-on-one representation, your advocate develops a proactive approach that limits your exposure to fraud.  This approach often begins with placing an Active Duty Military Fraud Alert on your accounts to reduce the opportunities thieves can use to exploit your identity.

Always Ready to Help

PEMCO ID Smart's services are available at any time. no matter where you're calling from.  Your personal advocate works to protect your identity and monitors your credit over an extended period, so you can continue serving without worry.

​​Identity thieves can take advantage of a person's death for their own benefit.  That's why it's important to secure the identity of any recently deceased loved ones.  Your personal advocate helps you manage this risk by identifying existing credit accounts and acquiring a free credit report.  Your advocate then prepares correspondence to notify credit bureaus, credit issuers, and other relevant parties.  Throughout the process, your advocate maintains a file of all communications.

Resolving Identity Theft

In the event that the deceased's identity has been stolen, your personal advocate guides you through the resolution process.  By helping you obtain the necessary documents, contacting the appropriate people, and creating a personalized resolution strategy, your advocate assists you from beginning to end.

​​The safety of your child cannot be undervalued.  Protecting your child's identity is equally important.  Thieves can use your child's personal information to commit fraud that may go undetected for years.  Your PEMCO ID Smart personal advocate can develop a personalized identity management solution that protects your child.  Your advocate handles correspondence with all relevant parties and removes any fraudulent information that has appeared in your child's credit file.

Credit File Suppression

PEMCO ID Smart's services include the use of credit file suppression.  Working with the three major credit bureaus, your advocate actively prevents your child from developing a credit history until he or she reaches the age of 18.  This effectively eliminates any opportunities for thieves to profit from your child's identity.

​​​​​​The face of identity theft changes constantly, and your PEMCO ID Smart protection evolves with it.  Your fraud advocate can proactively guide you to prevent fraud or, if it's already too late, help you recover from:

  • data security breachesYou've received a notice - now what?
  • email and phishing attacks.  Salvage your good name and bank accounts.
  • social media privacy.  Create a safer public persona.
  • assisted-living exploitation.  Understand legal guardianship and power of attorney.

Arm yourself with information

PEMCO ID Smart's emerging threat protection is as much about prevention as jumping in to a fix a problem after it's occurred.  Get breaking information​.

​​​​​Get help now by dialing   1-800-GO-PEMCO

If you are calling from a foreign country, dial: (country code 001) 206-628-4000

If you suspect your identity has been compromised, call PEMCO and ask to speak with a customer service representative. Your representative will put you in touch with a PEMCO ID Smart fraud specialist immediately.

Your PEMCO ID Smart fraud specialist will take you through the resolution process, working with you for as long as it takes to resolve the issue.

PEMCO ID Smart is a value-added service for all policyholders.
Take advantage of it!