Help with Theft
To report a lost or stolen Electrus VISA Credit Card, call 1-800-449-7728 anytime day or night. To report a lost or stolen ATM or Check card, call 1-866-820-8774.
Protect Yourself from Fraud: Be a Skeptic
If you receive a phone call, email, or text message about your checking account or credit card, delete it. If we have questions regarding your account, it is our policy of Electrus Federal Credit Union to conduct all correspondence regarding private financial data through the postal service.
Modern email, text message and telephone schemes are very convincing. A good rule of thumb is if your heart rate is pumping (either in fear for frozen funds or in excitement for promised rewards), then it's probably a scam. If you are ever uncertain, please call us at 763-569-4000 or 1-800-252-4239.
If you use our online banking or bill payment services, remember to keep your anti-virus software up to date and install regular updates to your web browser. Your password should use a complex mix of letters and numbers (9-16 characters). If at all possible, avoid entering private passwords on public computers or over non-secure WiFi networks at coffee shops and hotels, etc.
If you suspect your identity has been
Immediately close any accounts that have been tampered with or opened fraudulently. File a police report, and get a copy of the report to submit to your creditors and others that may require proof of the crime.
Contact one of the following three credit bureaus to place a fraud alert on your credit file: Equifax 800-685-1111, Experian 888-397-3742, or TransUnion 800-888-4213.
Finally, visit the Federal Trade Commission's website (www.ftc.gov) to find and download detailed pamphlets on coping with identity theft. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
your Free Annual Credit Report
Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft. You can order one credit report per year from each of the nationwide consumer credit reporting companies: Equifax (used by Electrus and the most commonly used agency in Minnesota), Experian, and TransUnion. Go toAnnualCreditReport.com to get your free report today. You can also request your reports by phone by calling tollfree 1-877-322-8228.
Your credit report contains information about where you work, live, how you pay your bills, and may show whether you have filed for bankruptcy or had a monetary judgment against you. Because businesses use this information to evaluate your applications for credit, insurance, employment, and other purposes allowed by the Fair Credit Reporting Act (FCRA), it is important that the information in your report is complete and accurate. Knowing your credit score is an important tool in securing loans and preventing identity theft.