Fraud Protection


Fraud Protection Remember, the credit union will NEVER request personal account information by e-mail!


What to Do If Fraud Happens to You

In your time of crisis the Heritage Family Credit Union would like to make things as easy as possible by providing clear and simple information. The five steps listed below are what you need to do when you are a victim of Identity theft.

1. Put a Fraud Alert On Your Credit Report.
Contact one of the numbers listed below:

Transunion
Fraud : 800.680.7289
Dispute: 800.916.8800
Opt-out of mailing list: 888.567.8688
Order free Credit Report: 877.322.8228

Equifax
Fraud : 888.766.0008
Dispute : bottom of credit report
Opt-out of mailing list: 888.567.8688
Order free Credit Report: 800.685.1111

Experian
Fraud: 888.397.3742
Dispute: 888.397.3742
Opt-out of mailing list: 888.567.8688
Order free Credit Report: 888.397.3742

Website to order free credit report on line with no sign ups. 

2. Keep a Log of All Conversations related to your Identity Fraud Case such as:
• Dates
• Names of people you spoke with
• Telephone numbers of the agencies you called
• The Time you spent on each conversation
• Expenses incurred

3. Close Cards That May Have Been Tampered With or Have Fraudulent Charges.

4. File a Police Report with Your Local Police and Get a Copy of The Report or The Report number so you can give it to your creditors and others that may require proof of the crime.

5. Your Final Step is to Report the Crime to the Federal Trade Commission (FTC).
You may file your complaint three different ways.
• Online at: www.consumer.gov/idtheft 
• By phone at 877.IDTHEFT (438.4338); TTY: 866.653.4261,
• Mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 205

Click Here For Information on Heritage Family Credit Union's IDProtect program, available with Premier Checking.
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