More on Preventing Identity Theft
You know about free credit reports - what else is in the FACT
You have probably heard that you’re now entitled to a
free credit report every year. In fact, if you live in a
Western state you may already have that report in hand! But
you may not know about these other FACT Act provisions,
designed to help safeguard your identity:
One-call system: If you
believe someone has stolen your identity, you can call one of
the credit bureaus to ask them to put a fraud alert on your
file. They will then notify the other two bureaus. The three
major credit bureaus are Equifax (800-685-1111), Experian
(888-397-3742) and TransUnion
Identity theft prevention: The credit agencies must draw up a
set of guidelines to identify patterns common to identity
theft, and develop methods to stop identity theft before it
can cause major damage.
Unsolicited offers: If
you have a fraud alert on your file, companies must remove you
from the lists used for prescreening offers of credit.
Merchants are not allowed to print the expiration date or more
than the last 5 digits of your credit card number on an
Negative information: You
must be notified if someone is reporting negative information
about you to one of the credit bureaus.
Military personnel: If
you are in the military, you can put a block on your
information while you’re serving overseas.
For more information on the provisions included in the FACT
Act, or to learn more about identity theft, visit
call toll-free, 1-877-FTC-HELP.
As a service to our members, included with your My CU
Quarterly Member Statement is very important information on
Preventing Identity Theft. Please take the time to familiarize
yourself with its contents. The brochure in its entirety may
be downloaded from
our article on Preventing Identity Theft.