 Valley Community is always pursuing ways to help members protect their accounts
from fraud. The newest fraud prevention program for VISA cards is called Verified
by Visa. If you have a Valley Community VISA Credit or Debit Card, you
will be required to enroll in the Verified by Visa program prior
to completing an online purchase using your Valley Community VISA card. The
program assists you in creating a password that protects you when you buy
online. With Verified by Visa you get added safety, and the reassurance
that only you can use your Visa Card online. Once Verified by Visa is
activated, your VISA card will be recognized when you purchase at participating
online stores. The Verified by Visa symbol will be displayed by
participating online stores. You will be prompted to enter your password
online, your identity will be verified, and the transaction completed. In
online stores that are not yet participating, your Visa Card will continue
to work as usual. Registering your card takes just a few minutes. If you
have more than one Visa card you'll need to register each card separately.
Once registered, your Verified by Visa password will only be required
if you make purchases online. NEVER give your password to someone over
the telephone — it is only valid for online purchases.
Identity Theft occurs when someone steals your personal information--your
credit union account information or social security number. It
could take months or even years to learn about, and then repair,
the damage. For more information about Identity Theft visit
the Federal
Trade Commission's web site.
Don't wait until you want a car or mortgage loan to have your credit
history checked.
It is beneficial to check your credit profile periodically.
If you have had Identity Theft occur to you, call the
credit reporting agencies immediately to block any credit requests.
There are three national credit reporting agencies:
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