Latest Scams

Anytime Adviser ID Theft Coach

	A one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft. Click Here if you think you are a victim of Identity Theft
	The Federal Trade Commission's comprehensive guide for victims of identity theft to find out how you can prevent yourself and your loved ones from falling victim to these crimes
FBI Alert	If you can answer YES to any of the these questions, you could be involved in a fraud or about to be scammed.

INFORM OTHERS
It is important to share information on scams with older family members, college students, and friends. Scammers prefer to prey on the elderly and young people who are managing their own finances for the first time. Scammers will resort to harassment if they feel it will get them the information they desire. Work together to come up with a plan of what to say and do if they are contacted with requests for sensitive information.

INSPECT YOUR CREDIT REPORT
You may request a free credit report to review your credit accounts and identify any inaccuracies.  The federal Fair and Accurate Credit Transactions Act (FACT Act) requires each of the three consumer reporting companies to provide a free copy of your credit report, at your request, once every 12 months.  To order your free report, go to www.AnnualCreditReport.com by clicking on the Credit Report button on our home page or call 877-322-8228.  There are other websites that are frequently advertised on television that claim to be your source for free credit reports, however www.AnnualCreditReport.com is the ONLY source recommended by the Federal Trade Commission (FTC).  If you receive an e-mail or a pop-up ad that claims to be affiliated with the Annual Credit Report Request Service authorized by the FACT Act, do not reply and do not click on any link in the message.  Also be wary of companies that make claims regarding Credit Repair.

PROTECT YOURSELF

• E-mail is not secure - Never send your personal information via e-mail
• Contact 1st Community Credit Union directly in person or by phone if you have questions about your credit union accounts
• If you receive an e-mail or phone call from a business or an individual claiming to be affiliated with 1st Community Credit Union, do not give out any personal information

• 1st Community Credit Union will never ask you to verify your personal information through e-mail
• Question any suspicious or "official-looking" emails or letters, especially those requesting personal information to reinstate account access, claim a prize, or verify information. Never enter any of your Credit Union account numbers in response to an e-mail you receive
• Never respond to job offers you receive via unsolicited e-mail:  This is one of the most prevalent scams in the past couple of years
• If you receive an unsolicited check in the mail, bring it directly to 1st CCU, along with a copy of any correspondence that accompanies the check.  We will help you determine if the check is fraudulent
• If throwing away documents that contain personal, financial, and sensitive information, ALWAYS shred them

Federal Trade Commission Resources

You Are Entitled To Three Free Credit Reports Per Year	FTC Free Credit Report Facts	PreScreened Credit Offers	Recognizing Counterfeit Check Scams	Recognizing Foreclosure Rescue Scams
Emergency Preparedness: Protecting Documents	Deceptive Mortgage Ads	New Program Protects Military From Fraud	Protecting Your Organization From Fraud	Protecting Yourself From Fundraising Frauds
Social Networking Advice For Teens & Tweens	Be Safe Online Fight Identity Theft	Parents Guide To Social Networking	Your Computer: Part Of The Zombie Army	Tips For Protecting Laptops From Thieves

1st Community Credit Union does not use e-mail messages to warn members about the status of their accounts.  If you receive an email that claims to be from 1st Community Credit Union, asking you to click on a link and enter personal information, please do not respond to the email. These sorts of emails are called phishing emails.  You can read about phishing scams and other scams below.  Never give out your account number, social security number, or other personal information by email or telephone.