How To Obtain Your Free Annual Credit Report

The three nationwide consumer reporting companies have set up one central website, toll-free telephone number and mailing address through which you can order your free annual report.  To order, go to, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to:  Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Welcome To Montana State Bank




If you are ever a victim of identity theft, it can be a very time consuming and overwhelming process to repair the damage done.  As a victim, you expect real solutions to help you restore confidence and your reputation.  Montana State Bank and Kroll Fraud Solutions, the leading provider of identity theft and fraud investigation services, have partnered together to introduce ID TheftSmart™ services to you. 

ID TheftSmart™ Credit Monitoring – Credit monitoring notifies you of activity in your credit file.  An alert is provided by TransUnion (reporting agency) when any one of the following activities is detected:  

New Account Openings

Credit Inquires

Payment Delinquencies

Public Record Changes

Change of Address

The Credit Monitoring service allows consumers to identify inaccuracies in credit data being reported by creditors.  It also offers consumers early detection of potentially fraudulent activity.  In addition, consumers have access to a trained credit specialist to answer any questions over the phone on their monitoring report.  The specialist will act on behalf of the consumer and can submit disputes to credit reporting agencies. 

ID TheftSmart™ Restoration is your answer in the event that your identity is ever compromised.  Investigators will work with you on your behalf to restore and preserve your identity. You will receive full service identity restoration assistance from a licensed experienced investigator should you become a victim. You will also have a resource to help answer questions or provide guidance on security and fraud related concerns, in order to head off possible issues before they materialize.  If your identity is stolen, licensed ID TheftSmart™ investigators will:

Confirm identity fraud and determine its nature and scope

Assist in obtaining a police report

Provide a tri-merged credit report and perform full non-credit searches

Work on your behalf until ALL identity theft issues have been resolved

Place seven-year fraud victim statement with credit reporting agencies when applicable

ID TheftSmart™ Credit Monitoring and Restoration is a very affordable credit protection, detection, and restoration program.  Only $5.00 per month per individual! 

If you should have any questions or need further information please contact us. 

Protect yourself today by signing up for Credit Monitoring!