Communities linking communities.  The Lower Valley Credit Union Community is dedicated to finding ways to empower our members to become more engaged in the success of their local communities.

Fraud and Scam Information and Alerts


  • Don’t give your social security number, mothers’ maiden name or account numbers if you did not initiate the phone call, especially if contacted by phone, internet or mail.  If someone calls you saying it’s on behalf of a financial institution, use caution. Financial institutions would have access to your information and would not ask for it again.
  • Never carry your social security number with you, leave it in a secure place. Use other methods of identification when possible, or carry it only when needed.
  • Don’t carry credit cards you don’t need; carry only the ones needed and keep a photo copy of the ones you carry in a secure place in case they are lost or stolen.
  • Use passwords on credit cards, bank and phone accounts that only you would know.  Avoid using information like your mothers’ name, your birth date, and last four digits of your social security number, phone number or easy series of numbers such as “1234”.
  • Don’t ever attach your personal identification number (PIN) or password with your credit or debit cards. Documents that need to be kept in a secure place.
  • Tear or shred all personal information when no longer needed such as charge receipts, copies of credit applications, financial institution statements, and credit card offers you receive.
  • Monitor your accounts and financial institution statements on a regular basis and report any suspicious activity to the source of the statement.
  • Change your online banking and shopping account passwords often-every three to six months.  If your information would be compromised, your passwords should be out-of-date by the time thieves try to sell the information and use a combination of upper and lower case letters, numbers and symbols.
  • Never use links within e-mail to visit a web site, instead open a new browser window and type the uniform resource locator (URL) in the address bar.
  • Don’t fill out e-mailed forms that ask for your personal information; do it via a secure web site-you will see https (s for secure) and the padlock icon on the browser frame.  You can click on the lock to view the security certificate.

Major Credit Bureaus:

Equifax                   1-800-525-6285

Experian                 1-800-397-3742

Trans Union            1-800-680-7289