Untitled Document
Online Banking
Username:

News & Education

STICKING TO A HOLIDAY BUDGET

Tips to staying on budget this holiday season

 

2016
‘Tis the season for SAFE online shopping – 10 Tips to remember!

Don’t fall victim to online fraudulent activity during the busy shopping season. Stay safe by keeping these online shopping tips in mind!

  1. Research all websites and retailers you’re purchasing from to ensure legitimacy.
  2. Take care when entering personal information online and only complete those fields necessary to make the purchase.
  3. Always make sure the site you are on is security enabled with a web address that begins with https://.
  4. Review retailers’ return and other policies to understand what happens if the product doesn’t arrive or isn’t right.
  5. Use a safe payment option – Credit cards are typically the safest as they allow buyers to seek a credit from the issuer if the product isn’t delivered or isn’t what was ordered.
  6. Be smart about purchases you conduct over public Wi-Fi connections and adjust any security settings on your device to limit who can access your phone.
  7. Run the most current version of software and apps to keep all your web-connected devices free from malware and infections.
  8. Turn on two-step authentication where possible for added security.
  9. Use a strong password that is a sentence and at least 12 characters long where possible.
  10. Create a unique password for every account.


For more tips on safe cyber shopping, visit Staysafeonline.org.

Warning Signs of Identity Theft

If you discover that someone is misusing your personal information, visit IdentityTheft.gov to report and recover from identity theft.

What Do Thieves Do With Your Information?

Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance. An identity thief can file a tax refund in your name and get your refund. In some extreme cases, a thief might even give your name to the police during an arrest.

Clues That Someone Has Stolen Your Information


If your wallet, Social Security number, or other personal information is lost or stolen, there are steps you can take to help protect yourself from identity theft.

Place a Fraud Alert

Ask 1 of the 3 credit reporting companies to put a fraud alert on your credit report. They must tell the other 2 companies. An initial fraud alert can make it harder for an identity thief to open more accounts in your name. The alert lasts 90 days but you can renew it.

Why Place an Initial Fraud Alert

Three national credit reporting companies keep records of your credit history. If someone has misused your personal or financial information, call 1 of the companies and ask for an initial fraud alert on your credit report. A fraud alert is free. You must provide proof of your identity. The company you call must tell the other companies about your alert.

An initial fraud alert can make it harder for an identity thief to open more accounts in your name. When you have an alert on your report, a business must verify your identity before it issues credit, so it may try to contact you. The initial alert stays on your report for at least 90 days. You can renew it after 90 days. It allows you to order one free copy of your credit report from each of the three credit reporting companies. Be sure the credit reporting companies have your current contact information so they can get in touch with you.

How to Place an Initial Fraud Alert

  1. Contact 1 credit reporting company.
    • Report that you are an identity theft victim.
    • Ask the company to put a fraud alert on your credit file.
    • Confirm that the company you call will contact the other 2 companies.
      • Placing a fraud alert is free. The initial fraud alert stays on your credit report for 90 days.
      • Be sure the credit reporting companies have your current contact information so they can get in touch with you.
  2. Update your files.
    • The credit reporting company will explain that you can get a free credit report, and other rights you have.
  3. Mark your calendar.
    • The initial fraud alert stays on your report for 90 days. You can renew it after 90 days.
  4. Update your files.
    • Record the dates you made calls or sent letters.
    • Keep copies of letters in your files.


Contact Information for the Credit Reporting Companies

TransUnion
1-800-680-7289

Experian
1-888-397-3742

Equifax
1-888-766-0008

 

Untitled Document
Main Office
100 Flint Ave.
Albany, GA 31701
Untitled Document

2014 Artesian City Federal Credit Union. All Rights Reserved. Federally Insured by NCUA.