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3 Advantages of a Good Credit Score
Sure, renting a place to live doesn't require a loan but your chances of getting approved are a lot higher if you have a good credit score. With a low score, you're less likely to find a landlord who's willing to take a chance on you, even if you're financially reliable.
An excellent credit score helps a lot when it comes time to get utilities connected at a new house. There may be a fee associated with your new internet account that is based on your score. Anyone who's ever experienced buying a home knows that any amount you can save is helpful when you're going through the process.
Some employers may conduct a credit check on applicants for a variety of reasons. Late payments, high debt, and being generally irresponsible with your finances are red flags that could make an employer not want to hire you. Keep this in mind if you're thinking about a new job.
eDeposit Important Changes:
A new banking regulation requires all deposits made via mobile devices to have specific language as part of the endorsement.
As of July 16th, you are required to accompany this
- Your signature on all checks and
- "For Mobile Deposit Only at Community Alliance CU" on all checks deposited with our Mobile App.
Unfortunately, if you deposit a check through our Mobile App without this endorsement, the check will be returned and you'll receive notification that your deposit was rejected due to improper endorsement.
To ensure that your checks are deposited conveniently and quickly using our Mobile App, please begin using this endorsement as soon as possible.
Family Service Center - Changes
Two Branches Closed Permanently on June 30, 2018
How Secure Are Your Passwords?
It's important to create strong passwords, here are 10 rules to follow.
Windows 7 Ending
Support for Windows 7 is ending on January 14, 2020. When buying a new computer make sure it has the new Windows 10 operating system.
Another Phishing Scam
We have had reports of scammers using text messages as another avenue to trick cardholders. When called, the phone number provided in the text prompts the consumer to walk through a series of steps to provide personal information such as account information, PIN numbers, expiration dates and/or their 3 digit CVV code.
Together We Can Fight Against Fraud - It's a Team Effort
What you can do to help:
- Sign up for eAlerts so you'll know when your card was used.
- Keep your account information up to date so we can reach you if we detect fraudulent activity
- Review your monthly statements for any unknown activity
By us working together, we can win the fight against fraud.
New ID Driver Licenses
Beginning October 1, 2020, Michigan residents will need to present a REAL ID-compliant document to fly within the United States (domestic flights) and enter certain federal facilities, military bases, and nuclear power plants. Residents without a REAL ID-compliant ID will need to show another form of acceptable documentation (such as a passport) prior to entering these facilities or boarding domestic flights. In order to obtain a REAL ID compliant DLN or PID, residents need to bring a valid U.S. passport or certified birth certificate with a raised seal or stamp to the SOS office.
As of August 28, 2017, in order to comply with the federal REAL ID Act of 2005, Michigan SOS began offering REAL ID Driver Licenses and Personal Identification Cards. Below is an example of what these cards look like (notice the gold circle with a star in the top right corner):
If a resident chooses not to get a REAL ID-compliant ID or an Enhanced Driver License, a standard license card will be given with the phrase “Not for Federal Identification” printed on it (see below). These standard cards will continue to be legal identification for driving, cashing checks, renting vehicles, purchasing alcohol and tobacco, or entering casinos.
For more information on the REAL ID Act, please visit Department of Homeland Security’s
ID Theft Recovery Services
Steps you need to do to recover from identity theft:
- Contact all creditors, utilities, and financial institutions
File a report with your local police. Get a copy of the report in case a creditor needs proof of the crime
File a complaint with the Federal Trade Commission (FTC) and the Identity Theft Hotline at 877.IDTHEFT (438.4338)
Ask your creditors if they’ll accept the FTC’s ID Theft Affidavit. You can get one by calling the FTC at 877.IDTHEFT or at www.consumer.gov/idtheft. The affidavit allows consumers to report identity theft information to several companies simultaneously.
Report spam (e-mails) by sending an e-mail to the FTC
If it appears that someone is using your SSN, contact the Social Security Administration to verify the accuracy of your reported earnings and your name. Call 800.772.1213 to check your Social Security statement.
The three major credit bureaus are:
Experian experian.com 888.397.3742
Equifax equifax.com 800.685.1111
TransUnion transunion.com 800.888.4213
Request a Free Credit Report Annually.Go to main navigation