Credit Audit and Verification: Included in your membership is representation by an affiliated attorney to challenge the three major national credit bureaus and force the removal of negative and inaccurate information from your credit report. As a special member benefit, only extended to NACRA Members in good standing, our affiliated attorneys will aggressively represent you with NO upfront fees or ongoing monthly fees. Your total legal fees for credit restoration service are only $5 per deleted or corrected item per credit report; billed and paid directly to your attorney as a "correction fee"- payable ONLY AFTER YOU ARE NOTIFIED BY THE CREDIT BUREAUS OF YOUR RESULTS.

Identity Theft Protection You will receive free membership into an Identity Theft Protection Program provided by LifeLock™

Services Include:

• LifeLock places fraud alerts on your credit reports so only you can use them. A drastic reduction in junk mail.
• Fewer pre-approved credit card solicitations.
• Ensure the credit approval process goes smoothly.
• LifeLock makes sure that you get at least one free credit report from each credit bureau annually.
• LifeLock’s $1 million service guarantee – if you become a victim while a LifeLock client, LifeLock will recover your good name and replace every dime you lost up to $1 million.

WalletLock™ takes the time, panic and hassle out of a lost or stolen wallet.
With a considerable number of identity crimes stemming from a lost or stolen wallet, you can take comfort knowing that as a LifeLock member, you're proactively protected. And with our WalletLock service, taking care of a lost wallet just got a whole lot easier.
If ever you lose your wallet, just give us a call. We'll transfer you to a certified Recovery Specialist that will help you:

• Identify your missing documents
• Contact each credit, bank or document issuing company while you're on the phone
• Cancel the lost cards, licenses and documents (including your credit/debit cards, driver's licenses, social security cards, insurance cards, passports, checkbooks and travelers checks*)
• Fill out the paperwork and request new replacements
• Initiate the fraud affidavit and police reports if the wallet was stolen
• Depending on the severity of the situation, additional follow-up and resolution calls will be arranged.

In many cases, we will be able to replace all of your documents for you. However, some states require you to be involved with us directly. If this happens, we'll make it as easy as possible by filling out the necessary forms ahead of time and setting appointments at your convenience - all you have to do is show up.

Financial Help Line
You will have free access to certified and experienced bi-lingual counselors who will give you comprehensive, objective, and honest guidance via phone and Internet. The counselor’s mission is to teach you how to make better financial decisions and make positive behavioral changes in your financial life.

You will also have access to interactive calculators, glossaries, and financial tools, as well as an extensive library of financial planning related articles focusing on helpful planning resources.

Tax Advice and Preparation and Tax Help Line
You will receive free membership into a Tax Advice and Preparation Program. All tax and financial services are provided by tax attorneys, financial analysts, CPA’s, former auditors and/or Enrolled Agents certified by the IRS. Their professional team is ready to answer your tax questions in a confidential and secure environment.

Tax Help Line members also receive the following services:

• Unlimited advice on federal taxation via toll-free phone, faxes, or e-mail
• Free tax return preparation (Includes 1040EZ, 1040A, AND 1040)
• Deep discounts on numerous tax schedules
• Unlimited advice on taxation for small business owners (Sole Proprietors)
• IRS Audit Assistance
• IRS Notification Assistance
• Tax Planning
• Review of prior years return
• Access to a member website portal with tax tips, tax law changes, tax organization area, IRS audit area, and member advice online.

Legal Services:
Members receive free membership into a national law club with a lawyer network of over 20,000 attorneys in all 50 states. Most legal problems can be settled with nothing more than a phone call or letter written by one of our plan member attorneys on your behalf. Members are encouraged to embrace the legal system and make consistent use of our highly qualified attorneys who will help them navigate through life’s unexpected legal matters.

Services included at NO CHARGE by referred attorney are:

• Unlimited phone consultation for all new legal matters.
• Face to face consultations for all new legal matters.
• Review of legal documents (Six pages or less).
• Calls and letters written on member’s behalf.
• Simple wills for you and your family with annual updates.
• Living will (advance healthcare directive).
• Advice on representing yourself in small claims court.
• Assistance with government programs.
• 10% discount on all contingency fees.

Second Chance Checking Account
If you are unable to open a checking account due to poor credit or a derogatory listing in ChexSystems, your affiliated attorney will represent you against ChexSystems and you will be directed to banks, credit unions, and online banks in your area, that do not use ChexSytems for verification.

Currency Connection Card with Overdraft Protection
ChexSystems holding you back? Look no further. We have a bank account for you with guaranteed approval that gives you:

• No credit check. No ChexSystems
• FDIC insured bank account
• ATM and Point-of-Sale access with PIN number security
• Free Internet Banking
• No minimum balance
• Access to a Wellness Program
• Four FREE card transactions per month
• Personalized debit card with MasterCard logo issued upon completion of application
• Opportunity to upgrade to a Premier Account, featuring credit builder and check writing privileges
• ID verification required

This is better than a traditional bank as there is no credit verification process and no checks to bounce, with up to a $400 overdraft privilege. Upon approval, you will need to send Republic Bank & Trust Company a one-time $19.95 set-up charge fee to trigger card delivery.

Credit Reference Letter Service:
From time to time, especially during the Credit Audit and Verification process, you may need to provide a credit reference letter. Free with your membership, upon your request, your affiliated attorney will write a credit reference letter for prospective lenders, landlords, employers, or whoever may request a letter from you.

FREE Credit Card Search EngineService;
At your request, we can help you conduct an online database search of all the banks in the US that offer sub-prime, secured, unsecured, partially secured, and A-rated credit cards for both personal and business.