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Frequently Asked Questions For Consumers MoneyTips Premium Membership MoneyTips Premium Membership Follow New articles New articles and comments What is Premium Membership? How is Premium different from Essential? What is an Identity Theft Alert and why would I need one? What does Identity Theft Restoration entail? What is included in Lost Wallet Protection and Assistance? What does Premium's Identity Theft Insurance cover? What is Court Records Monitoring and why would I need it? How am I billed for Premium?