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latest news and information from First South Financial
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| In this day and age of data breaches and hacks, consumers are looking for ways to limit who has access to their personal information. Equifax offers a free Lock & Alert service that can help you keep on top of who has access your credit report. This service locks your credit report - it is not a security freeze so it is important to understand the difference.
A lock and a freeze have the same impact on your Equifax credit report, but they aren’t the same thing. Both generally prevent access to your Equifax credit report to open new credit accounts. Unless you temporarily lift or permanently remove a freeze, or unlock your Equifax credit report, it can’t be accessed to open new accounts (subject to certain exceptions). See more about exceptions below. - Security freezes (also known as credit freezes) allow you to place, lift, or remove a freeze using a randomized PIN for identity verification. Placing, lifting, or removing a security freeze can be done online, by phone, or by mail. Security freezes are subject to regulation by each state. Freezing and unfreezing your Equifax credit file is free until further notice.
- Credit report locks allow you to lock and unlock your Equifax credit file using identity verification techniques such as usernames and passwords. The mobile app also can utilize thumbprint and facial recognition verification. With Lock & Alert, you can quickly lock or unlock your Equifax credit report online or via the mobile app. There are no fees to lock or unlock your Equifax credit report if you are enrolled in Lock & Alert.
Please note: If you have a security freeze on your Equifax credit report, you will need to remove it to use Lock & Alert to lock your Equifax credit report. If you have the PIN you received when the freeze was originally placed, you’ll be able to unfreeze your Equifax credit report and replace it with a lock during the Lock & Alert enrollment process.
Exceptions: Locking your Equifax credit report prevents access by potential creditors and lenders, but there are exceptions. These exceptions may include: - Companies like Equifax Global Consumer Solutions that provide you with access to your credit report or credit score or monitor your credit file
- Companies you have an existing account or relationship with
- Federal, state and local government agencies
- Collection agencies acting on behalf of companies you owe
- For fraud detection purposes
- Companies that wish to make pre-approved offers of credit or insurance to you
- Companies reviewing your application for employment
Here at First South Financial we have strict security protocols in place to protect your personal data. To find our more about this free Equifax service, visit the Lock & Alert page on their web site.Equifax maintains consumers’ credit reports and provides information to certain customers, including credit card companies and lenders, so that they may offer pre-approved offers to consumers as permitted by law. Consumers that prefer not to receive such offers should visit www.optoutprescreen.com, or call toll free at 1-888-5-OPT OUT (or 1-888-567-8688). Consumers may also send an opt-out request in writing to Equifax Information Services LLC, P.O. Box 740123, Atlanta, GA 30374-0123. Consumers should include their complete name, full address, Social Security number, and signature. Equifax will remove the consumer’s name from its pre-approved offer database and share the request with the other two nationwide consumer reporting agencies. |
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It's that time of year again!If you need to open an Individual Retirement Account (IRA) we offer Traditional IRAs, Roth IRAs, and Coverdell IRAs.
So stop by any banking center or give us a call at 901-380-7400 and we'll be happy to help you!
CURRENT IRA HOLDERS: Remember that contributions made from 1/1/18 to 4/17/18 have the option to be counted for tax year 2017 or tax year 2018!
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Get pre-approved with us and
get $200 cash back*!
Know how much vehicle you can afford before you go shopping! And when your loan closes we'll give you $200 cash back! To find out more, visit us online or call us at 901-380-7401 today!
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Get pre-approved with us and
get $300 cash back*! Finding a new home can be stressful. Financing it shouldn't be - get pre-approved and receive $300 cash back when it closes! To find out more, visit us online or call us at 901-380-7530 today!
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Christy Heckler, CRPC® Financial Advisor
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Work With Someone
You Trust
Contact us today for a no-cost,
no-obligation appointment.
401(k)/Pension Rollovers Retirement planning Education Funding Mutual Funds Life Insurance Long-Term Care Insurance Wealth Management
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FR-1973139.1-1217-0120
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. †CRPC® is a registered service mark of the College for Financial Planning®
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Phishing. Email Scams. Identify Theft.If you have questions, we have a resources page on our web site that will help you get the answers you need to keep you safe when you're online.
This page has information from reliable sources on a variety of topics, plus links on resources that can help you avoid becoming a victim of online fraud. It's just one more way we're here to help you.
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*Offers valid until 04-30-18 and does not apply to existing First South Financial loans or loan applications and cannot be combined with other offers. Application must be started with First South Financial. $200 or $300 cash back will be deposited into your account within 3 to 4 business days after the loan closes. Loans are subject to approval criteria, not all applicants will qualify. Offers are subject to change or withdrawal without notice, please see us for complete details. Equal opportunity and equal housing lender.
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The information contained in this email (the “Content”) is provided for informational and educational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Content is not intended to be and does not constitute financial, investment, tax or accounting advice or a solicitation to buy or sell securities. The Content is necessarily general in nature and is not specific to you or anyone else. YOU SHOULD CONSULT YOUR OWN INVESTMENT, TAX OR ACCOUNTING ADVISORS BEFORE IMPLEMENTING ANY ADVICE INCLUDED IN THE CONTENT. By viewing or utilizing the Content, you agree that you will not hold Marquis Software Solutions, Inc., First South Financial or their affiliates or agents responsible for loss or damages resulting from the Content.
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