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Identity monitoring

Our identity theft protection and monitoring service can help you feel confident that your personal and financial information are safe and protected.

Frequently asked questions

Get answers to common questions you may have about identity monitoring service offerings.
How does the identity monitoring membership work?
Thrivent offers an identity monitoring membership at no cost to you for two years, or an upgraded membership at a discount, as a benefit of your Thrivent membership.
The memberships are provided by Experian® ProtectMyID®, a leading full-service provider of identity theft monitoring, detection, and fraud resolution.
  • Choose from either the:
    • ProtectMyID Select at no cost to you for two years; discounted pricing thereafter; or
    • ProtectMyID at a discount
      Note: pricing subject to change
The Experian ProtechMyID Select® memberships includes:
  • Experian Credit Monitoring
  • Experian Credit Report
  • Identity Theft Insurance1 that provides reimbursement for eligible expense up to $10,000
  • Fraud Resolution
  • Lost Wallet Protection that allows you to quickly cancel your cards if lost or stolen
The Experian ProtectMyID® membership includes:
  • Experian Credit Monitoring
  • Tri-bureau Credit Report
  • Change of address monitoring, which will alert you to address changes.
  • Identity Theft Insurance1 that provides reimbursement for eligible expenses up to $1M
  • Fraud Resolution
  • Lost wallet protection that allows you to quickly cancel your cards if lost or stolen
How do I enroll?
Enrolling is easy.
1. Choose from two programs:
  • ProtectMyID® Select (complimentary for two years with the option to continue at $49.95 per year for Thrivent clients with membership)
  • ProtectMyID (available at a 35% discounted rate of $103.50 per year for Thrivent clients with membership)
2. Click the link above for your preferred program. Then log in by entering your Thrivent User ID and password. (If you haven’t yet registered on thrivent.com, click Register for account access.)
3. You will be directed to the Experian ProtectMyID® registration site to complete the enrollment process.
4. When the enrollment is complete, you will receive a thank you message and a link to the ProtectMyID® Protection Center. You have immediate access to this dashboard where you can view your Experian credit report and set up various features.

Note: the webpage and your personalized ProtectMyID® Protection Center will include a phone number and direct link you can use if you have questions or need to contact a Fraud Resolution Agent.
When does the monitoring become effective?
You have immediate access to your Experian® credit report and ProtectMyID® Protection Center once you enroll in the offer. Credit monitoring will begin within three days of enrollment.
Do I have to have Thrivent benefit membership to enroll?
All Thrivent clients with membership age 18 or older are eligible for this membership benefit. This benefit is available on an individual and NOT a household basis. Membership verification for enrollment in the ProtectMyID® Select and ProtectMyID product offerings will be verified before redirecting to the ProtectMyID® registration site.
Does Thrivent also get copies of my identity information or my credit report?
No, Thrivent does not receive or have access to any of the personal information that you share with Experian. Your enrollment in Experian's ProtectMyID or ProtectMyID Select does not allow Thrivent to receive or have access to any of the information that Experian ProtectMyID provides to you through their identity protection products.
Can I enroll if I don't have a computer? If yes, how will I receive updates or alerts?
Experian® ProtectMyID® or Experian ProtectMyID Select membership is only available by enrolling online, so you will need access to a computer and an email address to enroll. Updates and alerts will be sent to the email address associated with your membership.

If you experience issues with your login or password capabilities, call Experian’s dedicated line for Thrivent clients at 877-315-5678 for assistance.
Will I receive both a credit report and a credit score with my identity monitoring membership benefit?
When you enroll you will receive an Experian® credit report. You will not receive a credit score. If you wish to receive a VantageScore 3.0®2, it will be available to you for an additional discounted fee. To learn more about the differences between credit reports and credit scores, please visit Experian's blog.
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1Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review Summary of Benefits.

2VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file. There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes.

Member benefits and programs are not guaranteed contractual benefits. The interpretation of the provisions of these benefits and programs is at the sole discretion of Thrivent. Membership benefits are reviewed and evaluated regularly. Thrivent reserves the right to change, modify, discontinue, or refuse to provide any of the membership benefits or any part of them, at any time.

You should never purchase or keep insurance or annuity products to be eligible for nonguaranteed membership benefits. You should only purchase and keep insurance and annuity products that best meet the financial security needs of your and your family. Consider the cost, features, and benefits of specific insurance and/or annuity products.

Experian ProtectMyID® Select is complimentary to Thrivent members for two years and thereafter is available at a discounted rate. The Experian ProtectMyID product and service are provided solely by Experian and are not affiliated with or sold by Thrivent. For all terms and conditions concerning this product, please refer to the Experian ProtectMyID website.

Identity monitoring products are subject to exclusions and limitations. You must be a Thrivent member, age 18 or older, to enroll. If you are not a member, apply now. Thrivent could change or discontinue the identity monitoring benefit, or any part of it, at any time.

Thrivent receives payment from ConsumerInfo.com, Inc., an Experian® company, based on purchases of ProtectMyID by Thrivent members. Compensation from ConsumerInfo.com, Inc., an Experian® company, for member purchases of ProtectMyID® is used by Thrivent for the costs associated with providing discounted identity monitoring products to members.
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