Unity One would like to invite you to support our partner North High School in North St. Paul.
North High School presents "The Addams Family - A New Musical" November 1, 2, 3, 9 & 10: 7 pm nightly and 2 pm Saturday matinees. For tickets or more info visit www.northdrama.org.
Free credit freezes and year-long fraud alerts are here, starting September 21st, thanks to a new federal law. Here’s what you should know:
Free credit freezes
Security freezes, also known as credit freezes, restrict access to your credit file, making it harder for identity thieves to open new accounts in your name. Starting September 21, 2018, you can freeze and unfreeze your credit file for free. You also can get a free freeze for your children who are under 16. And if you are someone’s guardian, conservator or have a valid power of attorney, you can get a free freeze for that person, too.
How will these freezes work? Contact all three of the nationwide credit reporting agencies – Equifax, Experian, and TransUnion. If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. If you make your request by mail, the agency must place or lift the freeze within three business days after it gets your request. You also can lift the freeze temporarily without a fee.
Don’t confuse freezes with locks. They work in a similar way, but locks may have monthly fees. If you want a free freeze guaranteed by federal law, then opt for a freeze, not a lock.
Year-long fraud alerts
A fraud alert tells businesses that check your credit that they should check with you before opening a new account. Starting September 21, 2018, when you place a fraud alert, it will last one year, instead of 90 days. Fraud alerts will still be free and identity theft victims can still get an extended fraud alert for seven years.
Credit freezes and the military
If you’re in the military, you’ll still have access to active duty alerts, which let you place a fraud alert for one year, renewable for the time you’re deployed. The active duty alert also gives you an added benefit: the credit reporting agencies will take your name off their marketing lists for prescreened credit card offers for two years (unless you ask them to add you back on).
You can place a fraud alert or active duty alert by visiting any one of the three nationwide credit reporting agencies – Equifax, Experian or TransUnion. The one that you contact must notify the other two. You also can find links to their websites at IdentityTheft.gov/CreditBureauContacts.
Issues with a credit freeze
If you think a credit reporting agency is not placing a credit freeze or fraud alert properly, you can submit a complaint online or by calling 855-411-2372. If you think someone stole your identity, visit the FTC’s website, IdentityTheft.gov, to get a personalized recovery plan that walks you through the steps to take.
For more information, check out Place a Fraud Alert, Extended Fraud Alerts and Credit Freezes, and Credit Freeze FAQs. And if you’re considering a child credit freeze, you also may want to read Child Identity Theft.
Save the date! Shred your documents for free at Unity One Credit Union's North Tarrant branch. This event is FREE and open to the community!
Please read carefully:
• PAPER ONLY. Please only bring paper items to be shredded. Remove all other objects. Other objects could injure handlers, volunteers and the shred truck. No binders, glass, books, knives, cassettes, DVDs--and the list could go on.
• BE COURTEOUS. Be courteous of others, and restrict the amount that you bring to be shredded to a few boxes. Only one truck will be onsite.
• BE PREPARED. Be prepared to take your boxes or containers home with you.
• NO COMMERCIAL SHREDDING. We cannot accept commercial or business shredding, as a courtesy to other visitors.
Are you experiencing an increase in the number of local calls to your home and/or cell phone? You’re not alone. This phenomenon is called “neighbor spoofing” and it’s the latest caller ID spoof strategy being used by phone scam artists in an attempt to get people to answer the phone.
For phone scams to be successful, scammers need people to pick up the phone so they can initiate the conversation. Neighbor spoofing uses a spoof caller ID to trick a person into thinking somebody local, possibly even someone they know, is calling. According to experts, this may interest someone just enough to answer their phone.
Con artists and robocallers use technology to modify what phone numbers appear on caller ID, impersonating phone numbers from neighbors, friends and local businesses to try to get you to answer the call. In many instances, it is a random number with the same area code and first three digits as your own phone number. In other cases, the number displays as coming from a local business or person in which you’ve previously communicated.
Answering one of these caller ID spoofed calls will indicate to the robocaller that you have an active phone line. Active phone lines are valuable to phone scammers and will often put you on what is referred to as a “sucker list,” potentially opening your phone line up to more scam calls.
Here are a few BBB tips to help identify and handle “neighbor spoofing” phone calls:
- Avoid answering calls from phone numbers you don’t recognize, even if they appear to be local. If it’s important, the caller will leave a message.
- If your own phone number is used in a caller ID spoof call, you may receive calls and messages from people asking why you called them in the first place. This can lead to a lot of confusion between the two parties, but knowing your own number can be used by scammers may help explain the situation.
- Be aware that phone numbers of local businesses, including doctor’s offices and/or insurance agents, may appear to be calling you. If you’re not certain whether the call is legitimate or a spoof, hang up and dial the known phone number for the contact to verify the communication, especially if personal and/or financial information is being requested.
- There are call blocking apps that may help decrease the amount of spam calls, including those using a spoof caller ID. Your phone carrier may also provide a similar service or offer advice.
- Make sure your phone number is on the National Do Not Call Registry. Though it is unlikely to prevent most phone scam calls, it will help to reduce calls received from legitimate telemarketers, which can be helpful in screening fraudulent calls.
And remember, Unity One Credit Union will NEVER ask you for unsolicited personal or account information. If you receive such a phone call, please hang up and call us at
Unity One Credit Union held its twelfth annual “Gear Up 4 School” supply giveaway on Saturday, August 18, from 8 – 10 a.m. at its Stockyards branch located at 2625 N. Main St. (across the street from Billy Bob’s parking lot and next to Los Vaqueros). The event, created to be a resource for families, gifts children with school mandated supplies while exposing them to small businesses and organizations in the community.
The credit union distributed 350 drawstring backpacks containing items such as: pencils, notebooks, crayons and scissors. Supplies were distributed on a first come, first served basis; students had to be present to receive the supplies.
For the second year, the event featured FREE uniforms for students through a GoodPop clothing closet, which was graciously sponsored by Goodwill Industries of Fort Worth. In addition to the Fort Worth ISD approved uniforms, students received new socks and underwear to start the new school year off right.
The students were also able to step onto the Essilor Vision Foundation’s vision screening bus for their opportunity to have an eye exam and glasses made on-site while they waited.
“Being able to partner with Goodwill Industries of Fort Worth and the Essilor Vision Foundation has really turned the event into a place where students can get everything they need to exceed in the upcoming school year. There’s no better feeling than seeing the smile on a child’s face when they walk into class on their first day of school fully prepared,” said Gary Williams, president of Unity One Credit Union.
In addition to the free backpacks, uniforms and eye exams, attendees enjoyed free breakfast tacos, unlimited Kona Ice, caricature drawings and face painting, as well as the opportunity to visit booths manned by local businesses such as: the Fort Worth ISD Communications department, the Fort Worth Library, LULAC and more.
About Unity One Credit Union
Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.
Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has nine branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™
About Goodwill Industries of Fort Worth
Goodwill is more than a thrift store. The largest employer of people with disabilities in the world, Goodwill believes that work has the power to transform lives by building self-confidence, independence, creativity, trust and friendships. Everyone deserves this chance.
Goodwill Fort Worth’s 23 retail locations provide revenue through the sale of donated goods to support Goodwill’s mission – job training and career services for people with disabilities, such as physical or mental disabilities and other barriers to employment including lack of education or work experience and homelessness. For more information on Goodwill Industries of Fort Worth, please visit www.goodwillfortworth.org.
Yes, you read that right!
Santa is coming this Saturday, July 28, to our North Tarrant branch from 12 - 1 p.m. He'll be decked out in his finest summer attire and ready to take pictures with your little ones.
And, we'll be handing out gifts and sweet treats to our members at other locations as well.
Plus, you can still take advantage of our special Christmas in July loan rate at any of our branches and online from now until July 31.
We hope to see you there!