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Fraud/Identity Theft

EQUIFAX BREACH

Arkansas Federal Credit Union members are encouraged to check if they have been the victim of the recently announced Equifax breach. Below are some useful tips to help you navigate the Equifax breach, as well as ways to help you continue to protect yourself from theft and fraud.

Equifax has setup a website where you can check to see if your information might have been compromised. Visit Equifax.

Equifax will notify by mail the 200,000+ consumers whose credit card info was compromised. If you are impacted by the breach, Arkansas Federal urges you to consider signing up for fraud alert notices through the credit reporting agencies listed below or possibly placing a freeze on your credit report. To sign up for either alerts or a freeze, you will need to visit both Equifax and Transunion:

TIPS FOR PROTECTING YOURSELF FROM IDENTITY THEFT

Arkansas Federal Credit Union members are encouraged to check their credit report. It’s free and easy. Visit Annual Credit Report's website for free copies of your credit reports.

Another excellent and reliable resource for learning more about how to report and protect yourself from identity theft and fraud is the Federal Trade Commission.

Identity Theft Prevention

Keep Ahead of the Identity Thieves

There are simple precautions that will help keep your identity safe. Please review the latest fraud alerts to keep abreast of the "tricks" identity thieves are using. This information is provided to assist AFCU members in protecting themselves from identity fraud and other criminal activities. Review the links and information to learn how to protect your personal and financial information.

Inspect Your Credit

Credit reports contain information about you, including what accounts you have and your bill paying history. The law requires the major nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to give you a free copy of your credit report each year if you ask for it.

Visit AnnualCreditReport.com or call 877-322-8228, a service created by these three companies, to order your free credit reports each year. You can also write:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

Credit Reporting Agencies

Equifax: 800-525-6285 or www.equifax.com
Experian: 888-397-3742 -or www.experian.com
TransUnion: 800-680-7289 or www.transunion.com

Falcon Alert Helps Prevent Debit and Credit Card Fraud

AFCU subscribes to a state-of-the-art technology called Falcon, to help prevent potential debit and credit card fraud. Based on previous card usage, if a debit or credit card purchase looks suspicious, we'll try to contact you at your primary, secondary or alternate phone numbers to verify if the card was used by its rightful owner - or determine if the account has fallen into the wrong hands. If the account is being used fraudulently, we can prevent additional activity from occurring.

For Falcon to work, you may receive a call from an AFCU representative asking you about the purchase made with your AFCU VISA Debit Card, Platinum VISA Classic, VISA Secured Credit or Diamond Preferred Rewards VISA. We'll ask you to take a moment to verify your debit card or credit card account activity.

What You Can Do to Help

Because the Falcon system relies heavily on accurate contact information, it's important for members to keep that information current. Please keep AFCU informed of your current address and phone numbers. If you move or change your phone, you can call or log in to your account to update your address or phone numbers or add any additional contact phone numbers.

Traveling Out of the Area?

If you are planning to travel and use your AFCU debit or credit card in an area where you don't usually use your card, please take note of the following information. Contact AFCU that you are planning on traveling outside your area and provide us with the dates and locations that you plan on traveling to so that we can notify Falcon. It's best to have more than one method for spending and payments. Besides your AFCU debit or credit card, take an additional form of payment, such as traveler’s checks. Our Payment Solutions Department may not be able to contact you if you are in a foreign country for instance, and you want to make sure you have another method of payment if your card is temporarily blocked due to unusual activity. For more information, call 501-982-1000 or 800-456-3000 for more details.

Fraud Awareness Resources

Federal Trade Commission

Your National Resource for ID Theft

ID Theft Resource Center

A nonprofit, nationally respected organization dedicated exclusively to the understanding and prevention of identity theft.

Identity Theft Protection

Secure Your Identity. Secure Your Future.

AFCU also offers products and services to help protect you from fraud and scams. We have partnered with Merchants Information Solutions to offer you the highest quality identity theft solutions available in the market place today. Feel great knowing that once enrolled, you are covered by best-in-class fully-managed recovery.

Enroll Now

The credit union also offers additional services that can help monitor the accounts to prevent fraud such as Mobile Alerts for both debit and credit cards; which are a free service to members of AFCU. You can choose what type of transaction you would like to be alerted for through a text to your phone.

AFCU does not ask our members for personal information. If you receive a phone call or e-mail that purports to be from AFCU and you are asked for account/member information, you should consider it to be a fraudulent attempt to obtain your personal account/member data for an illegal purpose. If you responded to such a phone call or e-mail and provided any confidential account information, please contact us immediately in central Arkansas at 501-982-1000 or toll-free 800-456-3000.