Kelly's Corner

The Fair and Accurate Credit Transaction Act became effective as of December 1, 2004. What it means is that from now on members will have credit information available to them at no cost once per year. While some states are already offering this benefit, the tri-state area (New York, New Jersey and Connecticut) will offer this beginning September 1, 2005. Members have the following options for retrieving their FREE credit report:

1. Visit www.annualcreditreport.com
2. Call 877-322-8228
3. Mail a standardized form (downloaded from credit reporting agency websites) to: Annual Credit Request Service, PO Box 105281, Atlanta, GA 30348-5281

You are encouraged to review your credit report regularly for any inaccuracies or signs of identity theft. It is very important that you update your information with the credit union including home and business telephone numbers. If you suspect you are the victim of identity theft, the following steps should be taken:

1. Report the crime to your local police
2. Contact all major credit bureaus:

   EQUIFAX
   www.equifax.com
   Fraud line: 1-800-525-6285
   Credit report line: 1-800-685-1111

   EXPERIAN
   www.experian.com
   Fraud line: 1-888-397-3742
   Credit report line: 1-888-397-3742

   TRANSUNION
   www.tuc.com
   Fraud line: 1-800-680-7289
   Credit report line: 1-800-916-8800

3. Cancel all accounts that have been opened or tampered with since the identity theft occurred.

It is important to keep track of your accounts so sign up for Online Banking by visiting our website at www.psccunyfcu.org and clicking on the Online Banking App button. Contact the credit union immediately if there are any discrepancies.

ADDITIONAL USEFUL CONTACTS:

Social Security Administration
Fraud Hotline: 1-800-269-0271
(SSAFH)
U.S. government Website – Federal Trade Commission
www.consumer.gov/idtheft
Hotline: 1-877-438-4338

Internet Fraud Complaint Center
www.ifccfbi.gov

Direct Marketing Association (to remove your name from mailing or telephone lists) mail to: PO Box 9008, Farmingdale, NY 11735

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