With the holidays on the horizon, so comes the onslaught of marketing messages and emails encouraging us to open up our wallets and spend, spend, spend! While the holiday season is more than the gifts that accompany it, as consumers, we tend to swipe and tap our cards more this time of year, whether that be for holiday meals, travel, … Continue reading
At Montana Credit Union, fraud prevention and protecting our members are always top priorities. As technology advances and scams become more sophisticated, we’re taking proactive steps to ensure our members’ money and information stay safe. To help us do just that, we’ve expanded our Fraud Department with the addition of a BRAND NEW Fraud Specialist role, further strengthening our commitment to … Continue reading
For Montana residents, you can obtain information from the Montana Office of the Attorney General about steps you can take to avoid identity theft. You may contact them at: Office of the Attorney General Justice Building, Third Floor 215 North Sanders P.O. Box 201401 Helena, MT 59620-1401 Phone: (406) 444-2026 E-mail:Â contactdoj@mt.gov
You may wish to place a security freeze (also known as a credit freeze) on your credit file. A security freeze is designed to prevent potential creditors from accessing your credit file at the consumer reporting agencies without your consent. There may be fees for placing, lifting, and/or removing a security freeze, which generally range from $5-$20 per action. Unlike … Continue reading
A fraud alert helps protect you against the possibility of an identity thief opening new credit accounts in your name. When a merchant checks the credit history of someone applying for credit, the merchant gets a notice that the applicant may be the victim of identity theft. The alert notifies the merchant to take steps to verify the identity of … Continue reading
If you detect any unauthorized transactions in a financial account, promptly notify your payment card company or financial institution. If you detect any incident of identity theft or fraud, promptly report the incident to law enforcement, the FTC and your state’s Attorney General. If you believe your identity has been stolen, the FTC recommends that you take these steps: Place … Continue reading
To order your free credit report, visit www.annualcreditreport.com, call toll-free 1-877-322-8228, or complete the Annual Credit Report Request Form on the US Federal Trade Commission’s (FTC) website at www.consumer.ftc.gov and mail it to: Annual Credit Report Request Service PO Box 105281 Atlanta, GA 30348-5281 The three consumer reporting agencies provide free annual credit reports only through the website, toll-free number … Continue reading
eAlerts on your Montana Credit Union accounts are a great way to keep tabs on what’s happening with your accounts! In addition to receiving information about incoming deposits or setting reminders ahead of your upcoming loan payments, our eAlerts can also notify you of changes to your accounts that may indicate something not quite right is happening. Set alerts for … Continue reading
