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Identity Theft

Think you don’t need identity theft protection? Think again.

Identity Theft is consistently among the top complaints to the Federal Trade Commission each year. Rampant data breaches, impacting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone - regardless of your age and income, where you live, or how careful you are.

Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them to contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records. With more than 30 different types of identity fraud reported to the Federal Trade Commission, you may be affected in ways you have not considered.

Central Willamette has partnered with NXG Strategies - a leader in identity theft remediation and breach response - to create a program to meet your identity security needs.

For only $2.00 per month - or $24 per year -  nxg|PROTECT provides you with the reassurance that if you suspect identity theft, a professional is standing by, ready to restore your good name -- no matter how long it takes.

This includes coverage for you, the accountholder, as well as:

  • Your spouse or domestic partner
  • Your dependents up to age 25 with the same permanent address, even if in college or the military - and
  • Your parents -- living with you or living in elder care (assisted living, nursing home, or hospice), with benefits extended up to 12 months after death

Fully Managed Identity Theft Recovery - How it Works

If you become a victim or suspect you might be a victim of identity theft for any reason, we are here to help. Professional, dedicated Recovery Advocates are standing by and will manage your identity theft incident and resolve suspected or confirmed fraud until completion, with no time limit.

This trained and certified identity restoration professional will place fraud alerts at the three major credit bureaus for you; help you access services to watch for signs of identity theft; and access your credit reports and conduct a threat assessment to determine if any identity theft has occurred.

If you are victimizes by identity theft, your Advocate will work on your behalf to restore your identity. Your Advocate will:

  1. Place fraud alerts at the three major credit bureaus for you.
  2. Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity. 
  3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  4. Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  5. Contact the Social Security Administration, U.S Postal Service, Department of Motor Vehicles, etc. as applicable, to address any misuse of official documentation of your identity. 
  6. Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  7. Follow up to make sure all wrongful activity is reversed and removed from your records. 
  8. Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity. 
  9. Activate other members of the recovery team to assist when necessary, including professionals and legal advisors.
  10. Provide 12 months of follow-up after your recovery is complete -- to be sure you stay recovered!

Your Fully Managed Identity Theft Recovery Services extend to cover three generations of your family (3G) and continue to provide coverage for up to 12 months after death. With more than 30 different types of identity fraud reported to the Federal Trade Commission, you may be affected in ways you have not considered. You are covered for both financial and non-financial identity theft.

Identity Theft Expense Reimbursement Insurance

This benefit covers out-of-pocket expenses incurred by you during the recovery of your identity up to $10,000.  These expenses may include attorney’s fees, mailing expenses, fees for notarizing affidavits and documents, and lost wages due to time off from work to fight the identity fraud.

Mobile Phone Coverage

Mobile Phone Coverage provides insurance coverage up to $250 minus a $50 deductible for your cell phone’s repairs or replacement due to accidental damage or mechanical failure.  Pre-registration is not required and this coverage applies to both your new and used cell phones and smartphones. You are allowed 1 claim each 12-month period that you are eligible.

Terms and Conditions of nxg|Protect

Contact Us

Need to make a claim, or just have questions about your coverage? Call us at 541-928-4536 or visit a branch today.

You CAN Fight Identity Theft

Here's How:

  • Never provide personal information, including your Social Security number, account numbers or passwords, over the phone or the internet if you did not initiate the contact.
  • Never click on the link provided in an email you believe is fraudulent. It may contain a virus that can contaminate your computer.
  • Do not be intimidated by an email or caller who suggests dire consequences if you do not immediately provide or verify financial information.
  • If you believe the contact is legitimate, go to the company's website by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the email.
  • If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.
  • Report suspicious emails or calls to the Federal Trade Commission through the internet at, or by calling 1-877-IDTHEFT.

Useful Resources:

If suspicious, place a fraud alert on your credit report with all three credit bureaus:

  • Experian, 888-397-3742
  • Equifax, 800-525-6285
  • TransUnion, 800-680-7289