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The Importance of Checking Your Credit Report

You know it’s important to regularly check your credit report. Reminders are everywhere: online, in the news and at your credit union. You finally decide it’s about time to do some checking and look what you find…

Upon your first visit to the free credit report site, you input your personal information to receive your personal credit report. You notice your credit score has dropped 275 points! Looking a little closer, you see one unpaid bill, oh no…there’s another one—two unpaid bills totaling over $3,000 have been sent to collections. The accounts are in your name, and under your social security number. You then remember back in January your credit union cancelled and reissued your debit card due to fraudulent activity. Questions frantically pass through your mind. Could these transactions be connected to the collections accounts? How did this happen? What do you do?

This scenario, or at least something similar, happened to more than 13.1 million Americans who became victims of identity fraud in 2015. Not only does identity theft wreak havoc on your financial well-being, costing you time and money, it can also inflict an emotional toll as well.

1st Ed Credit Union knows all too well the financial and emotional tolls identity theft victims experience. We’ve seen it firsthand, and that’s why we’ve selected the SHERPA® Identity Protection solution for our members. They have a team of identity restoration specialists who can assist in stopping or minimizing further fraud, show that identity theft has occurred and that the victim is not responsible, and help to restore the victim’s upstanding financial reputation.


SHERPA® offers the same expert restoration services in all three levels of protection offered. To find out how you can start protecting your own identity today, visit and discover many ways SHERPA®’s got your back!


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