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Have you heard? Qualtrust is joining forces with Texas Trust Credit Union. That means as of November 1, 2017, we will not be opening additional Qualtrust accounts. But fret not! Texas Trust has a variety of products and services designed to meet your needs.

If you are interested in opening an account, head to Texas Trust to learn about the great options available to you.


How can someone steal your identity?
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.

Identity theft is a serious crime. People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.
    
If someone has stolen your identity, the Federal Trade Commission (FTC) recommends that you take the following actions immediately:
1. Contact the fraud departments of each of the three major credit bureaus. Tell them to flag your file with a fraud alert including a statement that creditors should get your permission before opening any new accounts in your name. At the same time, ask the credit bureaus for copies of your credit reports. Credit bureaus must give you a free copy of your report if it is inaccurate because of fraud. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts. In a few months, order new copies of your reports to verify your corrections and changes, and to make sure no new fraudulent activity has occurred. 
     * Equifax  
        800-525-6285 
        www.equifax.com
     * Experian 
        888-EXPERIAN (397-3742) 
        www.experian.com 
     * TransUnion 
        877-322-8228 
        www.transunion.com 

2. Close the accounts that you know or believe have been tampered with or opened fraudulently. If you've had fraud on a Qualtrust account, fill out the Sworn Statement ID Theft form and return it to us. Use the ID Theft Affidavit Form when disputing new unauthorized accounts. Ask to speak with someone in the security or fraud department, and follow up in writing. Following up with a letter is one of the procedures spelled out in the Fair Credit Billing Act for resolving errors on credit billing statements, including charges that you have not made.
 
3. File a report with your local police or the police in the community where the identity theft took place. Keep a copy in case your creditors need proof of the crime. 

4. Contact Federal Trade Commission (FTC)e:

By telephone: 
Toll-free 1-877-IDTHEFT(438-4338); TDD: 202-326-2502; 

By mail: 
Identity Theft Clearinghouse 
Federal Trade Commission 
600 Pennsylvania Avenue NW 
Washington, DC 20580 

Online: 

You can also ask for a copy of ID Theft: When Bad Things Happen to Your Good Name, a free comprehensive consumer guide to help you guard against and recover from identity theft. Source: Federal Trade Commission 

For more information on Identity Theft, please visit the VISA or MasterCard websites.

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