A Guide to Fraud Resources

In the month of June, I have chosen to write about the different fraud resources you can use if you become a victim of a scam or some type of fraud. June is my birthday month and what better gift than to give to the community resources in these times of need.

In today’s digital age, the threat of fraud looms large, with scammers and identity thieves constantly trying to exploit unsuspecting individuals. Whether you’ve fallen victim to a phishing scam, credit card fraud or identity theft, knowing where to turn for help and support is crucial. We will explore the various fraud resources that can provide the support and guidance you may need.

  • Federal Trade Commission (FTC): The FTC is the leading authority on consumer protection and fraud prevention. This website offers a wealth of resources for victims of fraud, including step-by-step guides on reporting, creating a recovery plan, and disputing fraudulent charges. They also provide educational materials, scam alerts, and tips for avoiding future fraud incidents. You can visit the FTC website at www.ftc.gov

  • Credit Reporting Agencies: Equifax, Experian and TransUnion are the three major credit reporting agencies. Victims of fraud can contact these agencies to place a fraud alert on their credit report, which notifies creditors to take extra steps to verify the identity before extending credit. **You are also entitled to a free copy of your credit report from each agency annually. ** This can help catch unauthorized activity. You can contact the three credit reporting agencies by telephone at

    Equifax: 1-800-349-9960

    Experian: 1-888-397-3742

    TransUnion: 1-800-916-8800

  • Financial Institutions like OURCU: If you suspect fraudulent activity on your accounts, it is ESSENTIAL that you notify all your financial institutions immediately! We can help to freeze your accounts, issue new cards and assist in disputing unauthorized charges. You can contact Our Community Credit Union at 360-426-9701 or 800-426-5657.

  • IC3 Internet Crime Compliant Center: For those who are victims of online fraud, such as internet scams, phishing attacks or cybercrimes, reporting the incident to the IC3 can help initiate an investigation and prevent similar crimes from occurring. You can visit IC3 at www.ic3.gov 

If you ever feel you may have fallen victim to a scam and aren’t sure OURCU is always here to lend a helping hand if you need, don’t hesitate to reach out to us and we will assist as best as we can.

Vianey PaulComment