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Important Tips For Protecting Your Personal Information

It was announced on July 30, 2019 that a hacker gained access to more than 100 million Capital One customers’ accounts and credit card applications earlier this year. At this point, Capital One is saying that the vulnerability has been fixed and that it is “unlikely that the information was sued for fraud or disseminated by this individual.” However, the company is still investigating. It was noted that “no credit card account numbers or log-in credentials were compromised and that over 99% of Social Security numbers were not compromised.”

Avoiding Common Phone Scams

Though phone scams sound old and outdated, they still are common today. Primarily, people who are over fifty years of age are victimized through telephone fraud. Every year people lose money to telephone scams. Scammers act very friendly, and will sweet talk the money out of people any way they can. 

When NOT to Loan Money to a Friend

It can be awkward when a friend asks you for a loan, especially when you’re not sure if you should do it. Even when you want to help, there are times when it’s better to decline. Here are a few situations when you should tell your friend that a loan just isn’t possible at the moment.

First Alliance Credit Union Membership Benefits Highlight: LegalShield

At First Alliance Credit Union we are all about helping our members find ways to be financially successful.  One important step in financial success is keeping your money and identity safe! This is why we are excited to partner with LegalShield to offer discounted Identity Theft Protection Plans to our members as one of many membership benefits!

How Long Should You Keep Financial Records?

Ever feel like you’re drowning in paperwork? If you do, you’re not alone. Every month, the average American gets bombarded with a flurry of bills, bank statements, credit card statements, mortgage statements and loan statements. Depending on the time of year, you might get a couple of W-2 forms added to the mix.

The Truth About Free Trial Offers

If you have ever been on the Internet, you have seen advertisements offering free trials for everything from whiter teeth and bigger muscles to jewelry and appliances. While offering a free trial of a product or service is perfectly legal, consumers should still be wary. The fine print of those offers end up costing consumers hundreds of dollars. It’s important to understand how free trial offers work so you can avoid feeling scammed by less than honest business practices.

How to Dispute Unauthorized Charges on Your Account

Do you know what to do if you see unexplained charges on your debit card or credit card? Do you call your card carrier or the merchant first? Does it mean your identity was stolen? There are a lot of questions that arise when you see unexplained transactions on your statements. The good new is you can dispute the unexplained transactions on your accounts.

How to File a Credit Dispute

Your credit report is an important part of your financial health. However, for it to be a reliable source of information to creditors it needs to be accurate. If you have found an error on your credit report, such as a trade line that isn’t yours or a debt that has long been paid off, then you will need to file a credit dispute to have the information corrected. Here are the things you need to know for filing a credit dispute.

5 Ways to Protect Yourself From Investment Fraud

After Bernie Madoff was caught stealing billions of dollars from investors he had lured into his Ponzi scheme, people realized that not everything that shines is gold. You may not run into a white-collar criminal like Madoff, but if you've done research online for investments over the years, you'll end up running across scams sooner or later. Be on the lookout for signs such as these:

What Are Virtual Credit Cards And What Can They Do For You?

With all the stories in today's news about security breaches and identity theft, you might wonder how in the world you can protect all your personal information and financial data. There is no 100% foolproof way to eliminate data theft, but you can minimize the chances of it happening with certain fraud monitoring and prevention services, as well as virtual credit cards. If you shop online frequently and your budgeting plan includes credit card security, Money Under 30 recommends considering virtual credit cards.