Protect Your Identity and your Finances Online

Don't be E-Scammed! Beware of any email that asks you for your personal account information. Valid online companies, such as Allegiance Credit Union, PayPal or eBay, will never send you an email asking for your password, or credit card/debit card information.

There's a new type of Internet piracy that is called "phishing." It's pronounced "fishing," and that's exactly what these thieves are doing: "fishing for your personal financial information." They'll try to get account numbers, passwords, Social Security numbers and any other confidential information that they can to steal from your checking account or run up bills on your credit cards. In a worst case, you could find yourself a victim of identity theft.

If you feel that your personal account information may have been compromised in a scam like this please call us immediately at 1-800-505-3328 or 405-789-7900.

If your Credit or Debit Card has been Compromised

1. Report this information to Allegiance Credit Union as soon as possible. If it is after hours we have 24-hour service numbers to call to deal with such emergencies.

Debit Card: 1-800-791-2525
VISA: 1-800-808-7230

2. Cancel your account and open a new one

3. Review your billing statements carefully after the loss. If they show any unauthorized charges, contact Allegiance Credit Union immediately.

If you are a Victim of Identity Theft

Report the theft to the three major credit reporting agencies, Experian, Equifax and TransUnion Corporation, and do the following:

1. Request that they place a fraud alert and a victim’s statement in your file.

2. Request a FREE copy of your credit report to check whether any accounts were opened without your consent.

3. Request that the agencies remove inquiries and/or fraudulent accounts stemming from the theft.

Equifax - www.equifax.com
To order your report, call: 800-685-1111
or write: P.O. Box 740241, Atlanta, GA 30374-0241
To report fraud, call: 800-525-6285
and write: P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.

Experian - www.experian.com
To order your report, call: 888-EXPERIAN (397-3742)
or write: P.O. Box 2002, Allen TX 75013
To report fraud, call: 888-EXPERIAN (397-3742)
and write: P.O. Box 9530, Allen TX 75013 TDD: 1-800-972-0322

Trans Union - www.transunion.com
To order your report, call: 800-888-4213
or write: P.O. Box 1000, Chester, PA 19022
To report fraud, call: 800-680-7289
and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634 TDD: 1-877-553-7803

More Information on Phishing and Identity Theft

Brochure: Internet Pirates are Trying to Steal YOUR Personal Financial Information - Here’s the Good News: You have the Power to Stop Them

Link: Anti-Phishing Working Group - Consumer Advice: How to Avoid Phishing Scams

Link: Privacy Rights Clearing House

Link: FTC - Understanding and Detecting Identity Theft

Link: Social Security Administration - When Someone Else Uses Your Social Security Number

Link: Identity Theft Resource Center

Preventative Measures

Link: Get your FREE annual credit report from the nationwide credit reporting agencies to help fight identity theft.