Due to scheduled system maintenance, Online and Mobile Banking will be intermittently unavailable on Saturday, July 23 from 8:00 p.m. to 8:00 a.m. Sunday, July 24.
Kirtland FCU branches and the Member Contact Center will be closed Monday, July 4 in observance of Independence Day.
Thieves and fraudsters are constantly changing tactics to gain access to your personal information. Valuable information, including social security numbers, names and birth dates, can all be used to fraudulently open accounts and 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 for 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 or organization requests this report from one of the bureaus 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 if 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 solution for preventing fraud. But placing a credit freeze is one of the most effective ways to prevent thieves from establishing new accounts in your name. And, it’s free!