Buffalo Metropolitan Federal Credit Union

Credit Union
Routing Number
222079424

Credit Bureaus & Identity Theft

Credit Bureaus & Identity Theft

 

Credit Bureaus.

TransUnion
PO Box 1370, Buffalo, New York 14213
Fraud Victim Assistance: 800.680.7289
Consumer Relations: 800.916.8800

Equifax
PO Box 740256, Atlanta, Georgia 30374
Information Service Centers Fraud Systems Department: 800.525.6285
Credit File Ordering System: 800.685.1111

Experian
PO box 9530, Allen, Texas 75013
888.397.3742

FREE Credit Report.

You are entitled to one free credit report a year from each of the three major credit bureaus (Experian, Equifax, Transunion); the free credit report does not include a credit score.

Consumer Advisory on Credit Reports released by the Consumer Financial Protection Bureau (CFPB)

Identity Theft.

If you are a victim of identity theft:

  • Contact the police to file a report
  • Inform Buffalo Metropolitan to close saving and checking accounts
  • Document your actions, such as the time and money you spend on straightening out identity theft
  • Contact the credit bureaus and have them flag the accounts with a fraud alert
  • Contact any credit card companies
  • Keep copies of documents and make note of all telephone calls; include the date and time of your call and the name and title of the person who assisted you
  • Contact the Government Authorities- Federal Trade Commission (FTC) at 877.438.4338, Social Security Fraud Hot line at 800.269.0271, and US Postal Inspectors at 800.372.8347

To protect against identity theft:

  • Change your account number from your Social Security Number to a random number
  • Do not give out personal information (Social Security Number, checking account number or ATM/debit/credit card number) unless you initiate the call
  • Contact the Buffalo Metropolitan in the event that your wallet or purse was lost or stolen
  • Always shred any personal information or pre-approved credit card mailings
  • Do not write your PIN down and avoid use a combination of letters and numbers for passwords
  • Obtain at least one credit report annually

Prevent any institution from inquiring at any credit bureau for pre-approved credit cards: Dial 888.567.8688 (Opt Out Line) and choose permanent.

Remove your name from National Direct Mail List: Send your name and address to DMA Mail Preference Service, PO Box 9008, Farmingdale, NY 11735-9008.

Reduce Telephone Solicitation: Send your name, address, and telephone number to DMA Telephone Preference Service, PO Box 9014, Farmingdale, NY 11735-9014

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