Identity thieves have become smarter and more sophisticated in their quest to gain access to your personal information. That is why LGFCU urges you to be proactive to protect yourself online.
Under federal law, you are entitled to a free credit report once every 12 months from each of the three credit reporting bureaus. Visit AnnualCreditReport.com for further information.
TIP: Get a different report every four months and keep track of your credit report for free throughout the year. For example:
If you would like more control over your credit report and who can view your credit history, consider placing a security freeze on your credit report. A security freeze prevents any credit bureau (also known as consumer reporting agency) from releasing your credit report without your direct consent. There is no fee associated with a credit report security freeze. You must request the freeze with each of the following three credit bureaus:
In this wireless age, gaining online access has become a rite of passage for children. Whether it's research for a school project, gaming or socializing, make sure your kids—and their personal information—are safe online.
Be diligent about your children's online activity, and talk to them about what information is okay to share and what should remain private. Visit the sites they frequent and review the privacy policies.
The Children's Online Privacy Protection Act (COPPA) has put parents in charge of what information websites can collect from their children. Under COPPA, websites must receive parental permission before gaining personal information from children under the age of 13. Further information about this law—and other helpful tips—can be found on the Federal Trade Commission's site.