I'd be happy to, because there has been a lot of confusion on this issue.
Some people have been confusing the lost wallet service with the customized credit alert package that has been prepared by Equifax for the department. There are some important differences. For one thing, the lost wallet service is not available across the country, but more importantly, it provides a lesser standard of service. For instance, the lost wallet service is only available for three months. The service we've purchased from Equifax is the industry standard of six years.
The second thing is that the lost wallet service doesn't provide prevention or fraud mitigation for clients the way the credit alert system does. What the credit alert service does is notify the credit grantor that the person's ID has potentially been involved—