Help Protect Your Identity With a Free Credit Report Freeze

Security and Scams

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

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 example, a company aggressively advertises “free trials” for skincare products, dietary supplements, and e-cigarettes on various websites. The …

Beware Tech Support Scams!

Security and Scams

Tech Support Scams

Tech support scams are some of the evilest 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 send …

Debit Card Safety

Security and Scams

Let’s explore when and how to use your debit card.  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. Credit and debit: How are they different? Appearances aside, your credit and debit cards …

7 Ways To Spot A Loan Scam

Security and Scams

A loan scam will target people who are in dire straits and who will do anything to get their hands on some cash. Once a loan scam has snagged a victim, they will have the borrower fill out an “application” with sensitive and personal information. The scammer will use the victim’s information to hack their accounts. Arm yourself with knowledge …

How Much Money Have You Spent Gaming Online?

Security and Scams

How many hours do you spend gaming online? Or better yet, how much money have you spent gaming online? Have you spent money on (or within) a game that started free? It happens all the time. Paying Customer How did you end up as a paying customer?  Many free games come with certain caveats. Like ads or in-app purchases and …

Secret Shopper Scam And Fraudulent DCU Checks

DCU Member News & Info, Security and Scams

A recent secret shopper scam has come to our attention because of fraudulent copies of Directions Credit Union checks. This is a nationwide scam claiming to payout for one’s “first assignment as a survey analyst/store evaluator at Walmart” The following information is from the Federal Trade Commission. For more information, including “Tips for Finding Legitimate Mystery Shopping Jobs,” we advise …

The Equifax Breach And What To Do Next

Security and Scams

In the recent Equifax breach, an estimated 143 million Americans may have had their personal information exposed.  As the situation develops, there seems to be many more questions than answers. So what should you do in the meantime? 1.) Information about the breach While visiting the Equifax Security site, you’ll find easy access to Frequently Asked Questions about the breach. …

DCU Fraud Q&A: Debit/Credit Card Data Breaches

DCU Member News & Info, Security and Scams

Data breaches are becoming more common. Because of this, we put together a quick Q&A to help answer your questions and provide you with instructions on what to do next.   Q: What is a data breach? A: A data breach is when someone infiltrates a merchant’s network and steals customer information. This information includes name, address, social security number, …

All About EMV Chip Cards

Security and Scams

Are you a swiper or a dipper? Chances are, you have at least one EMV (Europay, Mastercard, and Visa) chip-enabled card in your wallet. Here’s what you need to know about the new generation of cards. 1.) Increased protection against fraud The main reason behind the switch is to curb rampant credit card fraud. Experts pin the high rate of …