Protecting Your Money

Scam artists are nothing new - they've been trying to fleece us out of our money since the beginning of time. What is new, however, is the increasing use of sophisticated techniques and technology. Each year the number of people victimized increases. It's up to each of us to educate ourselves on how to avoid being taken.

Monitor Your Credit

Each member is entitled to get a free credit report annually from each of the three major credit bureaus. Just go to annualcreditreport.com to get yours.

Free Tools to Check Websites

Credit Bureau Contact Information

Equifax

888-567-8688

Experian

888 397 3742

TransUnion

800-680-7289

Two Loan Scams Claim MD Addresses

Better Business Bureau of Greater Maryland warns consumers that two entities, Certified Lending Group and Wesley Financial Group are targeting persons with poor credit scores. Learn more.

E-Mail Spoofing Alert!

It has come to our attention that spammers have launched e-mail campaigns that look like messages sent by Destinations Credit Union. We have nothing to do with such spam, we do not send, and have never sent spam email of any sort, and strongly oppose the act of spamming or sending unsolicited commercial email. If you have received such spam email we apologize, but we must emphasize that it is totally beyond our control, and we regret very much that we cannot stop it. We send only legitimate credit union news to those who have signed up to receive it.

What is E-mail Spoofing? (Faking or Forging)

"E-mail Spoofing" is the latest abhorrent trend in spam. Spammers falsify the header information in their e-mails to make the email appear to come from whoever they choose. Spammers are now routinely using the e-mail or web site identities of people and organizations on the internet, and using them to send millions of pieces of junk or offending e-mails. Unfortunately most people who receive these emails don't understand what's happening, which is the whole purpose of the spoof.

What to do.

1. You have several options of what to do if you receive a spoofed email:

2. Report it to your ISP. Redirect the email on as an attachment to your ISP, ensuring that the entire message is included, or cut and paste the header information from the email. This contains the information (originating IP numbers etc) required for anti-spam systems to filter out this junk mail.

3. Do not simply 'forward' the message as the essential header information will be lost.

4. Do not respond to the message in any way.

5. Please do not do anything that might result in Destinations Credit Union being added to spam lists. We are as much a victim of this activity as you.

Email spoofing information

How to combat email spoofing?

Deciphering fake email or posting? The information provided here, describes how to find out where a fake post or e-mail originated from, decipher which machine it came from and who (generally or specifically) you should co

Some Definitions

  • Phishing - A criminally fraudulent process of attempting to acquire sensitive information by masquerading as a trustworthy entity in an electronic communication; typically carried out by e-mail or instant messaging, and often directs users to enter details at a fake website whose look and feel are almost identical to a legitimate one.
  • Smishing - A form of criminal activity using social engineering techniques similar to phishing; typically carried out by SMS/text message, and often directs users to download a program/file which turns out to be a virus.
  • Vishing - The criminal practice of using social engineering over the telephone, the term is a combination of "voice" and "phishing"; typically used to steal credit card numbers or other information.

Identity Theft: Deter, Detect, Defend

The Federal Trade Commission offers good information on detecting identity theft, defending yourself against ID theft, and helps victims through the process of recovering when their identity has been stolen. This site offers streaming video demonstrating how identities are stolen and the devastating effects it can have on individuals.

Should You Purchase ID Theft Protection?

See what the FTC has to say on the subject.

U.S. Postal Inspection

Visit this site to learn about a wide range of mail fraud scams.