8 Ways To Spot A Home Improvement Scam

Security and Scams

Home Improvement Scam

If you’re hiring a contractor to make improvements on your home, be alert! Home improvement scams are more common than you may think, and they can cost you a lot. Read on for 8 ways to spot a home improvement scam. 1. The contractor insists on being paid up front Be wary of any contractor demanding that you pay most …

DCU Fraud Policy Overview: Debit/Credit Card Data Breaches

DCU Member News & Info, Security and Scams

DCU Fraud Policy Overview icon with finger pointing on lock inside an outlined shield icon

It can be overwhelming with endless reports of data breaches, cyber-attacks and fraud. Here at Directions, we want to help you understand these data breaches as much as possible! First and foremost, data breaches happen at the merchant/business level – not at your financial institution. Directions Credit Union has never experienced a data breach. How data breaches occur Businesses that …

Student Loans Scams

Security and Scams, Student Money Tips

student loan scams

College students, take note! If keeping up with your coursework, acing your exams and scrambling to hand in every term paper before the deadline weren’t enough, you now have something else to worry about: Student loan scams are on the rise! Scammers know you hate owing tens of thousands of dollars, so they’re quick to offer you an easy — …

Don’t Get Caught In A Crowdfunding Scam

Security and Scams

Crowdfunding scam

The days of handouts and begging loans off wealthy relatives are fast becoming extinct. Today, if you need boatloads of money—whether it’s to help you cover an expensive emergency or to fund a new business idea—you only need to appeal to the vast audience of the internet and wait for the money to start rolling in. Crowdfunding platforms like GoFundMe, …

Tax Scams 2019

Security and Scams

2019 Tax Scams

Each year, the IRS publishes the “Dirty Dozen,” a list of 12 scams that are rampant during that year’s tax season. This year, the IRS is cautioning taxpayers to be extra vigilant because of a 60% increase in email phishing scams over the past year. This is particularly disheartening, since it comes on the heels of a steady decline in …

Don’t Fall “Fur” Pet Scams

Security and Scams

Pet Scams

This holiday season you’re looking for a furry new friend.  The online ad you’ve seen makes you believe that dream is well within reach—as well as within your budget! Before you start stocking up on doggy biscuits, though, take a big step back. The internet is full of pet scams targeting future pet owners. What are Pet Scams? Pet scams …

Help Protect Your Identity With a Free Credit Report Freeze

Security and Scams

Credit Freeze

Consumers no longer have to pay to use an important tool to help protect their identity. As of September 21, 2018, freezing your credit report at the three major credit reporting agencies is now free. Previously, a consumer had to pay a fee to freeze and unfreeze their credit report. Freezing your credit reports makes it harder for criminals to …

Don’t Get Caught In A Free Trial Scam!

Security and Scams

Free Trial Scam

There’s hardly a “free trial” that won’t cost you big.  The FTC is warning of an uptick in free trial scams, which come in several shapes and sizes. Here are some of the most common free trial scams: Hidden fees In one such scam, a company aggressively advertised “free trials” for skin care products, dietary supplements and e-cigarettes on various …

Beware Tech Support Scams!

Security and Scams

Tech Support Scams

Tech support scams are some of the most nefarious forms of hacks. In these scams, fraudsters contact victims and trick them into granting the scammer access to their computers. The crooks may reach out to people through a phone call. They’ll insist that the victims have a virus or another problem they’ve somehow detected from the company’s headquarters. Or, they’ll …

Debit Card Safety

Security and Scams

Debit Card Safety

How do you pay for your purchases? It may be instinct for you to pull out any piece of plastic without thinking, but your random card of choice might not be the safest way to pay. Let’s explore when and how to use your debit card. Credit and debit: How are they different? Appearances aside, your credit and debit cards …