Help Protect Yourself From Identity Theft
Is your smartphone secure?
Smartphones are a great tool for keeping connected. They can be the key to the personal, online and even the financial parts of your life. Imagine if someone else held those keys.
Open Wi-Fi networks are plentiful. Did you know that identity thieves may be able to access personal information on your smartphone through those networks, depending on the security provided? Make sure you understand the security of the network you're on to safeguard your information.
A benefit of your Thrivent Financial membership
If your personal information is ever compromised over an unsecure network or by other means, an identity protection service can help. And identity protection is just one of the ways your Thrivent membership goes beyond your financial products. Thrivent offers you a choice of identity monitoring plans – either FREE or at a significant discount.
You can access daily credit monitoring, dedicated identity theft resolution agents, identity theft insurance3 and more.
- Choose either the ProtectMyID® Select2 option, which is free for two years and then available at a discount, or the discounted, more comprehensive ProtectMyID option1.
- Get daily credit report checks for 50 leading indicators of identity theft.
- Receive email or text alerts if your identity is stolen.
- Get help from an Identity Theft Resolution Agent.
The plan is provided by Experian® ProtectMyID, a leading full-service provider of identity theft monitoring, detection and fraud resolution.
Your identity is a valuable asset; help protect yours with this membership benefit. Enroll now!
Identity monitoring membership benefit comparison
|Member discounted pricing||$10.35 per month/$103.50 per year (35% discount)1||Free first 2 years (discounted pricing thereafter)|
|Daily credit report monitoring with email alerts||Experian
|Experian credit report at sign-up|
|Experian Vantage Score 3.04 and additional credit reports||Available at a discounted price from Experian||Available at a discounted price from Experian|
|Fraud resolution support – a highly trained agent works with you from start to finish if your identity is stolen|
|ID theft insurance – reimbursement for eligible expenses, e.g., lost wages, fraudulent fund transfers, lawyer fees3||up to $1 million||up to $10,000|
|Internet scan – monitors illicit use of your Social Security, credit and debit card numbers online|
|Change of address monitoring – alerts you to address changes at national and credit report levels|
|Lost wallet protection – allows you to quickly cancel your cards if stolen|
|Mobile applications – view alerts and tips via iPhone or Android|
|Enroll Now||Enroll Now|
Identity protection services are subject to exclusions and limitations. You must be a Thrivent Financial member, age 18 or older, to enroll in this benefit. If you are not a member, apply now. Thrivent could change or discontinue the identity protection benefit, or any part of it, at any time.
1Thrivent Financial receives payment from ConsumerInfo.com, Inc., an Experian® company, based on purchases of ProtectMyID by Thrivent Financial 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 services to members.
2 ProtectMyID® Select is complimentary to Thrivent Financial members for two years and thereafter is available at a discounted rate.
3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. Refer to the actual policies for complete terms, conditions and exclusions of coverage. Review the Summary of benefits.
4 VantageScore 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 substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.