One of the best ways our members can prevent fraud is to monitor their credit report. Members can get copies of their own credit reports once a year completely free at www.annualcreditreport.com or by calling 1-877-322-8228.
CAUTION: www.freecreditreport.com advertises heavily, but is actually a PAY FOR service.
Additionally, Indiana’s Credit Freeze Law took effect on September 1, 2007. Residents of Indiana can put a freeze on their credit to prevent identity theft. The member has to make a written request mailed to each credit bureau.
Equifax Security Freeze
PO Box 105788
Atlanta, GA 30348
Experian Security Freeze
PO Box 9554
Allen, TX 75013
Trans Union Security Freeze
PO Box 6790
Fullerton, CA 92834-6790
The written request must contain the following information:
- Full name (and former names if applicable)
- Current Address and former address(s) if it has changed in the last 5 years
- Social Security Number
- Date of Birth
- Photocopy of driver’s license, state ID card, or other government issued id
- Proof of current residence such as a phone bill or utility bill
Within 5 days the credit bureau has to have the freeze on your social security number.
Within 10 days of receiving the freeze request, they will supply you with a PIN number and instructions for temporarily or permanently removing a freeze, in case you need to apply for a loan. The credit freeze service is completely free also.
There are government resources and materials to inform the public about identity theft, as well as resources for people who find they are the victim of identity theft at http://www.ftc.gov/bcp/edu/microsites/idtheft/
If you have questions, or need additional information, please feel free to contact your financial partners at First Trust Credit Union during regular business hours at 800-276-6161.