Established
in 1959 - Member-owned, member-controlled,
not-for-profit cooperative financial institution.
To provide Credit Union services for the employees
of the City of Englewood and their families.
Englewood Municipal Federal Credit Union
is Celebrating
its Golden Anniversary!
"50 Years Of Service To Its Members"
Federally Chartered from
January 1959 to January 2009
Englewood Municipal Federal Credit Union
1000 Englewood Parkway, Suite
3-302
Englewood, Colorado 80110
Phone:
(303) 762-2308 / 2309
Fax:
(303) 783-6929
Office Hours
Monday and Friday
9:00 AM to 4:30 PM
Tuesday, Wednesday, and Thursday 10:00 AM to 4:30 PM
Office Holidays
January 2010 FRAUD ALERTS: Protecting Your Credit
Credit Union members now have a new tool to protect their credit file from identity thieves. Called FRAUD ALERT, it helps prevent anyone from opening new accounts in your name and acts as a red flag on your credit report visible only when businesses are granted access to your file to possibly extend you credit. To place an alert on your credit file, call one of the three credit reporting agencies and ask them to flag your credit file for fraud. With in 24 hours, an alert will be attached to your credit file and your name will be removed from pre-approved credit and insurance applications for two years.
Types of Fraud Alerts - An “Initial Alert” will be active on your credit report for 90 days. Use this if someone has gained access to personal information that could be used to open accounts in your name, such as your Social Security number, or your date of birth. Once an initial alert is in place, potential creditors will need to verify your identification prior to extending credit, so you should provide them with a phone number where you can be easily reached. The alert will help to ensure that you are the only one opening accounts in your name.
An “Extended Alert” is recommended if your identity has been stolen. With an extended alert, your credit file will remain guarded for seven years. In addition, your name will be removed from lists marketing prescreened credit offers for five years. Members of the military on active duty are eligible for a “Military Fraud Alert.” This alert allows members of the military to prevent anyone from opening accounts in their name while they are overseas.
Helpful Hints
Experian, Equifax, and Trans Union (the three credit reporting agencies) share data, so after calling one company, the other two will be notified.
While placing a fraud alert in your credit file will help protect you against identity theft, it may delay the processing of your legitimate loan applications. If you need to apply for a loan during the period that your credit file is on alert, notify your lender.
To remove a fraud alert, you will need to send requests in writing to one of the three credit reporting agencies.
