Credit Monitoring and Identity Theft Protection

Identity theft is a billion dollar business for thieves and a billion dollar loss for the rest of us. To provide our Members with additional account safeguards, iTHINK Financial includes a comprehensive Identity Theft Protection Program and Credit Monitoring Service with our myChoice Checking account at no additional cost.*

The Credit Monitoring Service is available for one member of your household per Checking account. This service monitors the three major consumer credit bureaus for any suspicious activity and alerts you if there are any changes in your credit file.

Registration is required to use the Credit Monitoring service.

All Checking account holders will be assigned a one-time use Certificate Number for you or one of your household members. If you do not know your Certificate Number, please contact us at 800.873.5100 or serviceplus@ithinkfi.org.

Once you receive your Certificate Number, just complete the registration and activation process by clicking here.

Additional members of your household can obtain Credit Monitoring at no charge by opening a myChoice Checking account. Or for a low cost, they can sign up for Credit Monitoring here.

Already Enrolled? Click here to log-in to your Credit Monitoring account.

*Identity Theft Protection and Credit Monitoring programs are provided by Merchants Information Solutions, Inc., a non-affiliated business partner of iTHINK Financial. An iTHINK Financial myChoice Checking account is required for participation in the no-cost Identity Theft Protection and Credit Monitoring programs. myWallet Checking account holders may purchase Identity Theft Protection and Credit Monitoring services for an additional fee.

Identity theft is a more common offense than ever before. In fact, it is the most common type of consumer fraud complaint made by Americans and accounted for 42% of the claims filed with the Federal Trade Commission (FTC) last year. According to the FTC, cleaning up the mess after an identity theft has occurred costs the average consumer approximately $1,000. As a result, we have included, at no charge, a comprehensive Identity Theft Protection Program to provide additional safeguards for our myChoice Checking account holders.

Under the Fair and Accurate Credit Transactions Act (FACT Act), consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies: Experian, Equifax, and TransUnion.

There are three convenient ways to request a free credit report*:

• Online
• By Phone - Call 877.FACT.ACT (877.322.8228) to request your free credit report by phone. You will go through a simple verification process over the phone and your reports will be mailed to you.
• By Mail - Download the credit report question form and return it to the address listed on the form. Your credit report will be mailed to you.

You can choose to stop receiving prescreen offers of credit from this and other companies by calling toll-free 888 5OPT OUT (888.567.8688), or online at www.OptOutPrescreen.com.

Reduce Telemarketing calls by calling toll-free 888.382.1222 from the phone number you want to register, or online at www.DoNotCall.gov.

Opt Out of unsolicited Mail and Email by contacting the Direct Marketing Association's (DMA) Mail Preference Service (MPS) and Email Preference Service (eMPS), by calling 212.768.7277, ext. 1888, online at www.DMAchoice.org, or by mail to DMAchoice, Direct Marketing Association, P. O. Box 643, Carmel, NY 10512.

To opt out of iTHINK Financial marketing solicitations and promotional offers, please contact the Credit Union at 800.873.5100, serviceplus@ithinkfi.org, or iTHINK Financial, P.O. Box 5090, Boca Raton, FL 33431-0890, and refer to our Privacy Disclosure for more information.

*Note: your free credit report supplied via the FACT Act does not disclose your credit score.

If you suspect you are the victim of credit fraud or identity theft, contact the three credit reporting agencies:

Equifax fraud assistance: 800.525.6285
Experian fraud assistance: 888.397.3742
Trans Union fraud assistance: 800.680.7289

The agencies will put a fraud alert on your file, which will aid in preventing new credit accounts from being opened without your express permission.

Find out how you can rebuild your credit and save money for the future. Consult with one of our Loan Specialists to discuss loan options to meet your needs. Contact us at 800.873.5100, ext. 8707 or loans@ithinkfi.org.

• Educational seminars are presented throughout the year at Credit Union branches and businesses. If you know of a business or other group that would be interested in hosting a seminar, please contact serviceplus@ithinkfi.org.
• Download a letter template that can be used to request that your lines of credit be shut down.