Beware of Scams

Montana Federal Credit Union wants to help you avoid becoming a victim of fraud.

To avoid becoming a victim of fraud, do not provide personal information, account numbers, banking or credit card numbers, PINs or log-on IDs through email links, text messages, or pop-up windows. If you receive a call or text message stating that it is from Montana Federal Credit Union requesting this information, please do not respond and notify your nearest branch or contact us by phone at 406-727-2210.

Preventing Online/Identity Theft

Here are some additional tips and resources that Liberty Mutual recommends to help prevent becoming a victim of online identity theft.

Take these important steps today to protect your name, credit and reputation:

REVIEW YOUR CREDIT REPORT from each of the three credit agencies listed below twice a year. See if there are accounts or addresses you don't recognize. Is your social security number correct? Have there been more credit inquiries than normal? Any of these may be early signs of identity theft. If you find something suspicious on your credit report, call the agency's fraud hotline immediately. You also may want to add a consumer fraud alert, which asks creditors to telephone you each time a new account is opened in your name.

LIMIT THE USE OF YOUR SOCIAL SECURITY NUMBER. Provide your social security number only when necessary and never provide it in response to an unsolicited email. Don't carry the card in your wallet and never print it on your checks.

SHRED UNEEDED IMPORTANT PAPERS — especially credit card solicitations — with a crosscut shredder. Some identity thieves try to piece cut papers back together.

DON'T USE YOUR MOTHER'S MAIDEN NAME as a password on personal accounts; it's too easy to learn. Change it to another word with the creditors. When creating a password, include letters, numbers and symbols (for example: E$G%2Q) since they are more difficult for identity thieves to guess.

DON'T GIVE OUT FINANCIAL INFORMATION ONLINE OR ON THE PHONE unless you initiated the contact and you know the party you are dealing with.

PROTECT YOUR ONLINE LOG-INS AND PASSWORDS Don't share your passwords or login names and avoid leaving or writing them down near or around your computer. Protect them as you do your ATM and credit card numbers.

LEARN MORE ABOUT IDENTITY THEFT AND HOW TO PROTECT YOURSELF BY VISITING:

www.identitytheft.org

www.privacyrights.org

www.idtheftcenter.org

www.consumer.gov/idtheft

www.antiphishing.org

DON'T BE A VICTIM… If you suspect identity theft or online fraud, report it to your local police, the three credit agencies listed below and the Federal Trade Commission.

FEDERAL TRADE COMMISSION

www.consumer.gov/idtheft

INTERNET CRIME COMPLAINT CENTER

www.ic3.gov

EQUIFAX

To report fraud: 888-766-0008

To order your credit report: 800-685-1111

www.equifax.com

TRANSUNION

To report fraud: 800-888-4213

To order your credit report: 800-888-4213

www.transunion.com

EXPERIAN

To report fraud: 888-397-3742

To order your credit report: 888-397-3742

www.experian.com