WE ARE CURRENTLY EXPERIENCING HIGH CALL VOLUME. WE APOLOGIZE FOR ANY INCONVENIENCE.
Kirtland FCU branches and the Member Contact Center will be closed Monday, June 20 in observance of Juneteenth.
By Ashleigh, K-Staff
The Equifax breach of 2017 taught us all a valuable lesson—even the most secure repository of online information can be vulnerable to attack. And when it happens, anyone can be a victim.
Thieves and fraudsters are constantly changing tactics to gain access to your information. Valuable personal information including social security numbers, names, birth dates—all can be used to fraudulently open accounts, to abuse your credit.
A credit freeze can stop identity thieves in their tracks, no matter what information they obtain.
Every time you apply for a loan or credit card, open a bank account, apply for a job or even apply housing you may have your credit pulled. Each of three major credit bureaus (Equifax, Experian, and TransUnion) collect financial information about you into a credit report. During a credit pull, a business requests this report from one of the bureaus in order to gauge the risk involved in extending you credit or evaluating your suitability for a job or housing.
It’s important to note that a credit freeze will not protect you if a thief obtains access to accounts or credit you’ve already established, so be sure to keep such information and passwords/PINs private, and monitor your accounts frequently with Online and Mobile Banking.
If setting a credit freeze is a little too much for you, consider at least setting a free fraud alert. A fraud alert allows access to your credit report to remain as long as businesses take steps to verify your identity before issuing credit or opening accounts. You may call any one of the three credit bureaus to place a fraud alert—that bureau is legally obligated to tell the other two bureaus, and all three will place the fraud alert.
Bottom line: there is no magic bullet for preventing fraud. But placing a credit freeze is one of the most effective way to prevent thieves from establishing new accounts in your name. And it’s free!
Kirtland FCU will be performing system maintenance on Saturday, April 23 & Sunday, April 24, between 9:00pm–7:00am MDT.
Online, Mobile, and Telephone Banking will be intermittently unavailable during this period. Click here for complete details.