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Educators Credit Union, TX Credit Union League (TCUL), the National Credit Union
Administration (NCUA), and the Credit Union National Association (CUNA) will never
contact you via email, text messaging, or telephone, asking for personal, confidential,
or account information. |
Fraud / Scam Alerts:
The Ultimate Guide to Protecting Yourself from Identity Theft click here.
Identity Thieves and Internet Criminals DO NOT take vacations or holidays. . .
they wait for you to do that. During the holidays and when you take a vacation, use extra caution to protect your identity. Keep your purse/wallet or any item with sensitive/personal information secured while shopping. It is safer to carry only the information and credit cards you will use while shopping. Thieves can take your purse from a shopping cart seat, or off your arm, in the blink of an eye. When leaving for vacation be sure to ask the postal service to hold your mail, or ask a trusted neighbor/friend to get your mail every day.
Identity Theft and Your Mailbox
Identity theft can happen quickly and easily, using information in your mailbox. Never use your outside mail box to send bill payments or other documents containing sensitive information; use only a secured designated US Postal Service collection box. The information found on your checks makes a criminals job much easier, bills/mail clipped to the outside of your mailbox or the "red flag" raised makes you an easy target; using your financial institution's bill pay service is a much safer option for making payments. Sensitive information is also delivered to your mailbox; if you receive your mail at your residence, in an unlocked box, remove it promptly each day. If your financial institution offers eStatements, strongly consider this option; bank statements in an unlocked mail box are "gift-wrapped" prizes for identity thieves.
Fake check/money order scams are clever ploys designed to steal your money. You can avoid becoming a victim by recognizing how the scam works and understanding your responsibility for any item deposited into your accounts. If someone you don't know wants to pay you by check or money order, but wants you to wire some of the money back, beware! It's a scam that could cost your your life savings. Learn more.
Lottery Scams are constantly circulating through the Internet, mail and telephone contact. Please be very cautious; you could easily end up losing money or violating the law! Here are some guidelines to follow. . . Learn more.
Nigerian Scams
How it works: You receive an official-looking letter from someone claiming to be from Nigeria (or another country) who, because of that country's government rules, needs help transferring money out of. . . Learn more.
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Credit Bureau Contact Information
| Equifax |
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Experian |
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TransUnion |
| www.equifax.com |
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www.experian.com |
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www.transunion.com |
| 800-525-6285 |
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888-397-3742 |
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800-680-7289 |
| PO Box 740241 |
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PO Box 202 |
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Fraud Victim Assistance Div |
| Atlanta, GA 30374-0241 |
|
Allen, TX 75013 |
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PO Box 6790 |
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Fullerton, CA 92834-6790 |
To report ID Theft or Fraud on your ECU account, you must do the following:
1. File a police report;
2. Supply the credit union with a copy of the police report and the case number;
3. Fill out and sign a Sworn Statement of Identity theft, you can access the form here.
The report may be filled out before going to the credit union, but must be signed and notarized at the ECU office.
By law you are entitled to one free credit report yearly; you can receive this report at www.annualcreditreport.com or by calling (toll free) 877-322-8228.
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ID Theft/Fraud Alerts 