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Credit Monitoring and Identity Theft Protection

Credit Monitoring and Identity Theft Protection

We want to protect our Members from becoming victims of identity theft and fraud. This is why iTHINK Financial includes a comprehensive Credit Monitoring Service and Identity Theft Protection Program at no cost with our myChoice Checking account.

Learn about our Credit Monitoring Service and Identity Theft Protection Program

Identity theft is a billion dollar business for thieves and a billion dollar loss for the rest of us. In fact, it is the most common type of consumer fraud complaint made by Americans. According to the FTC, cleaning up the mess after an identity theft has occurred costs the average consumer approximately $1,000.

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.*

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Credit Monitoring Service

Our Credit Monitoring 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, complete the registration process.

This service is available for one member of your household per Checking account. 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 Program

A comprehensive Identity Theft Protection Program is included at no charge with our myChoice Checking account.

Benefits of the Identity Theft Protection Program include:

Coverage for all types of identity theft: Not only are you covered for your accounts at iTHINK Financial but also for every account you have at other financial institutions. Coverage also includes non-financial types of identity theft such as utilities fraud and medical fraud.
Fully managed identity theft recovery: Receive one-on-one access to a professional recovery advocate who will do all the legwork for you (writing letters, making calls, working with law enforcement, etc.) to resolve your identity theft case.
Coverage for you and your family members: Coverage extends to you and all of your family members residing at the same permanent address, including dependents up to age 25 and parents living in elder care if they share your permanent residential address.
Our myChoice Checking account holders are automatically covered – no registration required!
If you are the victim of identity theft contact us at 800.873.5100 or serviceplus@ithinkfi.org to open your case.

*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.

Free Credit Reports

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.

Protect YOUR information

Our Identity Theft Protection Program is a valuable service, but prevention is a much better option. A few easy steps can prevent identity theft from happening to you.

Basic Tips:

Unless you initiated the call and are certain of its use, do not release your social security number, checking account information or other personal financial information to anyone over the phone.
Secure your mailbox. Remove mail promptly and don’t leave bills in an unsecured mailbox for postal pickup.
Do not write your credit card, social security or driver license numbers on your checks.
Shred any documents that have your personal information on them (including credit card offers that you do not plan to respond to).
Monitor your credit – Check your credit report at least twice a year.

Credit Cards, Debit Cards, and ATMs:

Memorize your PIN. Do not write it down anywhere on your card or carry in your purse or wallet.
Sign the back of all cards as soon as you receive them.
Destroy cards that you no longer use by cutting them in half and making sure the number is not recognizable.
Keep a list of card numbers along with the phone numbers to report them lost or stolen in a safe place at home.

Online vs. Offline:

Paying bills online may be safer than writing checks. There are federal regulations that provide consumers with substantial protection against unauthorized electronic debits to their checking accounts. These regulations do not apply to written checks.
When shopping online, make sure you are on a secure site. (You can ensure this by looking in the bottom left hand corner of the frame or your browser URL for a locked padlock.)
When using an iTHINK Financial Visa Credit or Debit Card, Visa Secure is protecting you. Visa Secure enrollment is no longer required on iTHINK Financial cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption
Before shopping online, review the company’s privacy policy.

Victim of Fraud?

Contact your local police department. Insist that they file a police report and provide you with a copy.
File a complaint online with the Federal Trade Commission, by phone at 1.877.ID.THEFT, or mail to Consumer Response Center, FTC 600 Pennsylvania Avenue NW, Washington, DC 20580.
Or, if fraud occurs by mail, contact the United States Postal Inspection Service.
Contact the Social Security Administration by email or by phone at 800.269.0271.
Contact one of the three credit bureaus:
- Equifax
  Order Credit Report: 1.800.685.1111
  Report Fraud: 1.800.525.6285
  www.equifax.com
- Experian
  Order Credit Report: 1.888.397.3742
  Report Fraud: 1.888.397.3742
  www.experian.com
- Trans Union
  Order Credit Report: 1.800.888.4213
  Report Fraud: 1.800.680.7289
  www.transunion.com
  
  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.

Control your credit

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.

Helpful Links

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Annual Member Verification

Fraud Prevention Reminder