Buffalo Metropolitan Federal Credit Union

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Credit Bureaus & Identity Theft

The Staff, Management & Board of Directors takes our member's data seriously and we want to assure you that we are monitoring the Equifax breach closely and will assist in any way we can.


Managing and Protecting Your Personal Information & Immediate Steps for Identity Theft


Monitoring your credit report.

You are entitled to one free credit report a year from each of the three major credit bureaus (Experian, Equifax, Transunion) -  Request a FREE credit report (note the free credit report does not include a credit score). It is important to review your credit report once a year - you will look at the report to verify an identity thief has not opened new accounts in your name to commit financial fraud.


If you are a victim of identity theft:

If you are a victim of identity theft, take the following steps as soon as possible and 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. Also document your actions, such as the time and money you spend on straightening out identity theft.

  • Consider placing a Fraud Alert or Credit Freeze on your account - Click here to help you decide if a Fraud Alert or Credit Freeze is right for you. Follow the links below to place a Fraud Alert and learn more about placing a Credit Freeze with each of the three Credit Bureaus:

    • Fraud Alert - A temporary, 90-day alert that is placed on your credit file so that when a lender pulls your credit report, they will be alerted that you are potentially a victim of identity theft.  A fraud alert is free at all three credit reporting agencies, Experian, Equifax and TransUnion. Once you request a fraud alert at one credit bureau, your fraud alert will be automatically added at the other two credit bureaus. Place a Fraud Alert on your credit report.

    • Credit Freeze - Prevents companies, such as credit unions, banks, and credit card companies, from accessing/pulling your credit report. Your credit report will only be accessible by unfreezing the account. Credit freezes have to be initiated at  each of the three major credit reporting agencies (and there is a cost to do so) - the links below will take you to each of the credit bureaus designated credit freeze webpage:

  • Contact Buffalo Metropolitan Federal Credit Union and any other financial institutions you have accounts with (including credit card companies)

  • Contact the agency that issued your license (e.g. New York Department of Motor Vehicles) or other identification document (e.g. U.S. Passports & International Travel)

  • File a complaint online with the Federal Trade Commission or by calling 877.438.4338 - We recommend also reviewing the Federal Trade Commission Identity Theft Recovery Plan

  • Contact Social Security Fraud Hot line at 800.269.0271 and US Postal Inspectors at 800.372.8347

  • Contact the police to file a report


Credit Bureaus.

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

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

PO box 9530, Allen, Texas 75013


To protect against identity theft:

  • Place a key and/or code word to your accounts - Call 716-847-6960 ext. 232 to place a key and/or code word to your Credit Union account
  • Don’t respond to emails, texts or telephone calls asking for personal or financial information - do not give out personal information (Social Security Number, checking account number or ATM/debit/credit card number) unless you initiate the call
  • Frequently review account activity and immediately report unauthorized transactions - Review your Buffalo Metropolitan accounts via FREE online banking  and FREE mobile banking
  • Request institutions to change your account number from your Social Security Number to a random number
  • Consider ID theft protection services - the Federal Trade Commission offers guidance on how to select the best option for you
  •  - Contact all financial institutions you have an account with in the event ATM/debit/credit card(s) or check book are lost or stolen
  • Always shred personal information and pre-approved credit card mailings
  • For your debit/credit card: Enroll in Verified by Visa / MasterCard Secure Code, do not write your ATM/debit/credit card PIN down, and contact the issuer of your ATM/debit/credit card(s) in the event it is lost or stolen
  • Notify the financial institution if your checkbook has been lost/stolen
  • Use a combination of letters and numbers for passwords and avoid using easily available information (e.g. birth date, last four of SSN or series of consecutive numbers)
  • Obtain at least one credit report annually
  • Prevent any institution from inquiring at any credit bureau for pre-approved credit cards by calling 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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