Here are answers to some of the most frequently asked questions about Identiguard®.
For full details, please refer to the Policy Document
How do I purchase Identiguard®?
Unfortunately our LSG Identiguard product is no longer available to new customers.
Who are Lifestyle Services Group Limited?
Lifestyle Services Group Limited (LSG) administer Identiguard® and are authorised and regulated
by the Financial Conduct Authority (FCA), their Financial Services
Register Number is 315245.
What is CIFAS?
CIFAS, the Credit Industry Fraud Avoidance System, the UK’s fraud prevention service, is a
non-profit-making organisation dedicated to the prevention of financial crime. Among other
initiatives, CIFAS helps prevent the misuse of individuals’ identities through the sharing
of information and the use of identity protection tools.
LSG work with CIFAS to ensure that the financial community is aware when an identity is
compromised and additional checks are undertaken before any further damage can be done.
What is the difference between identity theft and identity fraud?
Identity theft is taking the identity of another person without their knowledge or consent.
Identity fraud is using a stolen identity in criminal activity to obtain goods and services by deception.
What are credit alerts?
Once you’ve registered for Credit Report monitoring, every week Experian will notify you by email or SMS
if there are any significant changes to your credit file. Significant changes include the opening of a
new bank account, the closing of an existing account, a new credit search etc. These alerts can help
provide an early warning of any unauthorised activity on your credit file. If you don’t receive an alert,
no significant changes will have been recorded.
What is my credit report?
Your credit report provides information about your financial credit history, it shows the details of
the financial accounts held in your name at the relevant credit reference agency along with your payment
history and a record of any searches carried out by companies looking to provide you credit.
Separate registration (after purchase confirmation) is required for your credit alerts and report
services. This enables validation of your details with Experian, our chosen credit report expert.
How do the key fobs and passport stickers help to recover my items if they are ever lost or stolen?
Each fob and sticker features a unique reference code and a freephone number. Anyone who finds your
missing keys or passport can call the freephone number and we’ll arrange for them to be sent back
to us. We’ll notify you to say they have been found using the number we log against your account when we issue the fobs.
How long do the effects of identity theft and fraud last? Should I worry?
The effects of identity theft may not be immediately evident, but the effects can last years and could affect you when
you go through things such as mortgage applications/renewals, credit card applications and finance for product purchases.
Once identity theft is identified it can take weeks or longer to resolve the situation and would require considerable effort.
Identity theft is a subject to be concerned and watchful over, but with Identiguard®, you can rest assured that should
the worst happen, we’ll be there to help correct things.