First, minimize the amount of personal information about you, or your family, that is spread through mass mail solicitations. Second, minimize the amount of personal information available to otherwise unscrupulous sales people.
Both can certainly help mitigate the chances of ID thieves stealing your identity. For this reason, we recommend utilizing the following free government-mandated resources.
Your Platinum Membership
provides 24-7 access
to your updated, real-time Trans Union credit report. Theoretically, the three major credit repositories should exchange your credit information and in effect mirror each other; however, this doesn't always happen. As such, by utilizing the third resource below, you will be able to obtain a free copy of your credit report from Equifax & Experian - once each year.
Opt Out of Pre-Screened Credit Offers
is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance. Under the Fair Credit Reporting Act
(FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. Through this website, you may request to:
- Opt-Out from receiving Firm Offers for Five Years - (electronically through this website).
- Opt-Out from receiving Firm Offers permanently - (mail Permanent Opt-Out Election form available through this website).
- Opt-In and be eligible to receive Firm Offers. This option is for consumers who have previously completed an Opt-Out request - (electronically through this website).
- If you choose to Opt-Out, you will no longer be included in firm offer lists provided by these four consumer credit reporting companies. If you are not receiving firm offers because you have previously completed a request to Opt-Out, you can request to Opt-In. In doing so, you will soon be among the many consumers who can significantly benefit from having ready access to product information on credit and insurance products that may not be available to the general public. 1-888-5-OPTOUT (1-888-567-8688)
National Do Not Call Registry
gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at this Website. You can register your home or mobile phone for free. 1-888-382-1222
Free Annual Credit Report
allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. AnnualCreditReport.com is the only official site to help consumers to obtain their free credit report. Fight identity theft by monitoring and reviewing your credit report. You may request your free credit report online, request your report by phone or request your report through the mail. 1-877-322-8228