Do You Know Your Rights when it comes to Credit Reports?

Consumers have many rights regarding their Credit information. If you have applied for a loan, or are planning to, be sure to know what information you can ask for. Items in your Credit report can damage your ability to borrow money, especially if they are fraudulent or incorrectly reported. And watching your Credit Report is one great way to protect yourself from Identity Theft.!

Here at CJCU, we strive to provide you with information that will benefit your financial situation and future. If you have any questions, please stop in or give us a call!
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Obtain your Free Credit Reports Once a Year. 

Federal Law requires that each of the 3 reporting agencies makes their report available to you each year. This is the only approved site to obtain these reports. 

Protect Yourself from "Free" Trial Offers!

The Federal Trade Commission is warning consumers to be wary of "Free" product trials, especially ones that require card information for a small shipping or handling fee. According to the FTC, "...some dishonest businesses make it tough to cancel, hiding the terms and conditions of their offers in teensy type, using pre-checked sign-up boxes as the default setting online, and putting conditions on returns and cancellations that are so strict it could be next to impossible to stop the deliveries and the billing."

They offer several tips to avoid being scammed by these trail offers.
Research the company online. See what other people are saying about the company's free trials — and its service. Complaints from other customers can tip you off to "catches" that might come with the trial.
Find the terms and conditions for the offer. That includes offers online, on TV, in the newspaper, or on the radio. If you can't find them or can't understand exactly what you're agreeing to, don't sign up.
Look for who's behind the offer. Just because you're buying something online from one company doesn't mean the offer or pop-up isn't from someone else.
Watch out for pre-checked boxes. If you sign up for a free trial online, look for already-checked boxes. That checkmark may give the company the green light to continue the offer past the free trial or sign you up for more products — only this time you have to pay.
Mark your calendar. Your free trial probably has a time limit. Once it passes without you telling the company to cancel your "order," you may be on the hook for more products.
Look for info on how you can cancel future shipments or services. If you don't want them, do you have to pay? Do you have a limited time to respond?
Read your credit and debit card statements. That way you'll know right away if you're being charged for something you didn't order.

To read the full article, visit the Federal Trade Commission website.

Financial Terms and Definitions 

The financial world can sometimes be confusing and a little frightening, especially if you aren't sure what the terms being used actually mean. We have put together a comprehensive list of common financial terms and some examples of when they might be used to help members better navigate applications and daily transactions. Click HERE to view the list.
Protect Yourself from Identity Theft this Tax Season!

NCUA Posts New Online Resources to Help Consumers in Fighting Identity Theft

ALEXANDRIA, Va. (Jan. 25, 2016) – With tax season beginning, the Federal Trade Commission has announced Tax Identity Theft Awareness Week for 2016, and the National Credit Union Administration has new online resources to help consumers protect themselves. Visit for more information.

The page includes useful information for preventing or reporting identity theft that may be perpetrated using fake contacts that appear to be legitimate Internal Revenue Service requests for taxpayer information. 

“Cyber hackers and old-fashioned thieves can trick people into divulging personal and financial information not only during tax season, but all year long,” Board Chairman Debbie Matz said.

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