All branches will be closed Monday, February 21 in observance of Presidents' Day. See Holiday Schedule.

Identity Theft Recovery Services

We hope you never have your identity stolen. However, we know that it happens. That's why we have teamed up with BALANCE, a financial services agency, to arm our members with the resources and guidance needed to repair their credit.

Identity Theft counseling is a free service to all of our members who are in the My CU Club. While most of our members are in the club, if you find you are not, you can purchase one-time ID theft counseling by contacting our Member Service Department.

What is Provided

  • A Recovery Specialist will provide you with a free credit report and work with you personally to determine whether the issues are errors, fraud, or identity theft
  • Sample letters and affidavits to help you clear your name of all fraud will be provided. These documents come organized and with complete instructions.
  • A written action plan so you can act quickly toward a complete managed recovery. Without it your recovery could take much longer to complete.
  • Tools and guidance for organizing, logging communications, and tracking action steps.
  • Follow up to ensure steps are taken to resolve any new issues and to address ID theft prevention strategies.

Repairing Credit

While BALANCE cannot repair your credit for you, they will work with you to be sure you are prepared with the information you need to deal with the credit reporting agencies to have them remove fraudulent accounts that can negatively impact your credit rating.

Accessing the Program

There is no good time for identity theft to happen but if it happens to you, contact Member Services to access this benefit.

Protect Your Information

  • Never give out any personal information including birthdate, Social Security number or passwords.
  • Report lost or stolen checks or credit cards immediately.
  • Review your credit reports. You have a right to a free credit report every 12 months from each of the three nationwide credit reporting companies. To order your report, call 1-877-322-8228 or visit
  • Read your account statements. If a statement has errors, contact the business.
  • Shred all documents containing personal information: account statements, unused checks, deposit slips, credit card statements, pay stubs, medical billings, and invoices.
  • Don’t respond to email, text, and phone messages that ask for personal info. Legitimate companies do not ask for information this way.

For more information about identity theft and other tips on how to protect your information visit:

Federal Trade Commission: or
United States Department of Justice:

Credit Reporting Agencies

PO Box 105069
Atlanta, GA 30349-5069
Order a report: 800-685-1111
Report fraud: 800-525-6285

PO Box 2002
Allen, TX 75013-0949
Order a report: 888-397-3742
Report fraud: 888-397-3742

Trans Union
PO Box 1000
Chester, PA 19022
Order a report: 800-916-8800
Report fraud: 800-680-7289