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ID Theft/Fraud Resources Disclaimer Links to other Web sites found here are provided to assist in locating information. The mere fact that there is a link between TFCU's Web site and another does not constitute a product, program or service endorsement by TFCU or any of its employees. Once you click on any of the third party links below, you will be leaving TFCU's website. The third party Web site is not operated by TFCU and we are not responsible for the content, products and services found at these Web sites or beyond. The Credit Union does not represent either the third party or the member if you decide to enter into a transaction. We
advise you to read the privacy and security policies
of third party Web sites provided on this page
as they may differ from those of the Credit Union.
Click here to
read TFCU's privacy policy . Federal Trade Commission ID Theft: When Bad Things Happen to Your Good Name
(PDF) Training,
Education, and Awareness Module
Fraud Prevention Tips 1. Pay close attention to all billing statements from any credit provider or financial institution to verify charges or unauthorized activity on your accounts. Immediately notify any lender of any transactions that appear suspicious. 2. Promptly report any suspected identity theft. 3. You can obtain a free credit report from the major crediting reporting agencies to determine whether someone may be using your information to apply for credit. You should periodically obtain credit reports from each of these agencies and have information relating to any fraudulent transactions deleted. 4. Under the Fair Credit Reporting Act, you may request the credit reporting agencies to place a fraud alert in your credit file.
5. The Federal Trade Commission’s website
www.ftc.gov
has additional information on identity theft and
monitoring. You should report any incidents of
identity theft to the FTC at 1-877-FTC-HELP (1-877-382-4357);
TTY: 1-866-653-4261. Free Annual Credit Reports and Credit Agency Contact Information
To order your free annual report from one or all the national consumer reporting companies, visit www.annualcreditreport.com, call toll-free 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. Do not contact the three nationwide consumer reporting companies individually. They provide free annual credit reports only through www.annualcreditreport.com, 877 322 8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348 5281. Other Consumer Rights to Free Reports Under
federal law, you’re entitled
to a free report if a company takes
adverse action against you, such
as denying your application for
credit, insurance, or employment,
and you request your report within
60 days of receiving notice of the
action. The notice will give you
the name, address, and phone number
of the consumer reporting company.
You’re also entitled to one
free report a year if you’re
unemployed and plan to look for
a job within 60 days; you're on
welfare; or your report is inaccurate
because of fraud. Otherwise, a consumer
reporting company may charge you
up to $9.50 for another copy of
your report within a 12-month period. Experian
- www.experian.com Trans
Union - www.transunion.com |
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