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Why You Should Be Wary of Debt Consolidation Offers by Mail

Recently, we had a member who received a debt consolidation offer in the mail. She was preapproved for a $90,500 signature loan at a rate of 3.87% to consolidate high interest credit card debt. Understandably, she was concerned that she received this mailing and more so, a preapproval for a loan she didn’t want or more importantly, need.

Finding Real Scholarships and Avoiding Scams

Every year, a large number of students choose to apply for scholarships worldwide. These scholarships provide a convenient alternative for students who find it difficult to continue their higher education due to the rising cost of academic expenses.

Tips for Creating and Protecting Passwords

We are living in a world that is completely password driven.  A world where a mix of letters, numbers, and special characters makes a huge difference in whether you can access personal information, communicate with your friends or make purchases online.

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Though phone scams sound old and outdated, they still are common today.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.