The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.
According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.
To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.
Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
If you feel you have been a victim of identity theft, contact the FTC’s Identity Theft Hotline toll-free at 1-877-IDTHEFT (438-4338); by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or online.
A maximum number of 10 transactions each month is free to Financial Partners FCU members on machines owned by the credit union. Additional transactions will be subject to an excessive count fee.
Transactions done at non-network / non-FPFCU machines could be subject to fees by both the machine provider as well as FPFCU.
Vishing is the telephone equivalent of phishing. Vishing is the act of using the telephone in an attempt to scam the user into surrendering private information that will be used for identity theft. The scammer usually pretends to be a legitimate business, and fools the victim into thinking he or she will profit.
If your wallet has been lost or stolen, take the following actions:
Call the three major credit reporting agencies (Equifax: 1-800-525-6285, Experian: 1-888-397-3742 and Trans Union: 1-800-680-7289) and ask them to immediately place a Fraud Alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
Notify the SSN national fraud hotline at 1-800-269-0271.
Cancel your credit cards.
File a police report the same day, if at all possible, in the jurisdiction where your wallet was stolen.
Phishing is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a website where they are asked to update personal information, such as passwords and credit card, social security, and account numbers that the legitimate organization already has. The website, however, is bogus and set up only to steal the user’s information.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
Yes, we provide this service at both offices for a $5 dollar fee. Please call in advance to ensure there is a notary available at the time u wish to visit. Please be aware that we require a valid ID to conduct this service.
We require a verified signature to make address changes to an account. You will need to visit one of our offices to complete the account change request form. We also accept mailed and/or emailed letters as long as they include the necessary signature.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
At Financial Partners Federal Credit Union, our goal is to put our members first in all we do. We have been providing our community with quality financial services for over 50 years.
On Friday, March 10, 2023 Federal Regulators shut down Silicon Valley Bank (SVB) due to its lack of liquidity. SVB had a structure very different than traditional financial institutions, as it was a key player in the tech and venture capital community. Closely connected with SVB, regulators also closed Signature Bank, on Sunday, March 12, 2023. Signature Bank provided banking services to real estate companies, law firms and cryptocurrency companies. All depositors of both institutions will have access to and receive their full deposits and losses will not be borne by taxpayers, according to regulators. FINANCIAL PARTNERS FCU (FPFCU) members should know that FPFCU is a safe place to save money. FPFCU has sound financial policies and receives high rankings annually from regulators for safety and soundness practices and management of risk. Deposits at FPFCU are protected by the National Credit Union Share Insurance Fund and insured up to at least $250,000 per individual depositor – the same as any other federally insured financial institution. That means backing by the full faith and credit of the U.S. government. FPFCU is well capitalized and in solid financial position to meet the saving and borrowing needs of its members. Credit union members have never lost a penny of insured savings at a federally insured credit union. Visit MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund coverage for consumers. Members should also be aware that scams have already been reported, trying to alarm consumers. In this sophisticated scam the scammers are communicating that a bank or credit union is under Federal Bureau of Investigation (FBI) review and the person needs to take out their cash from their bank/credit union or risk losing it. Please be aware of suspicious calls or emails at all times.
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