In today's world, personal protection is a necessary aspect of our daily lives. We go to great lengths to make sure that we, and our families, are protected. We make sure our smoke detectors are working, ask everyone to buckle up in the car, and encourage the kids to wear sunscreen even on cloudy days! At Power Financial we feel that protecting your finances is very important.

Power Financial gives you peace of mind by offering the following financial services to protect you, your investments, your family, and your credit:

Identity Theft Protection

Identity Theft strikes millions of people like you every year. It takes consumers an average of 177 hours and 2 years to restore their identities afer they have been stolen. You are 40 times more likely to have your idenity stolen thatn your home broken into. Unlike burglary, the act of identity theft is not visible until the fraud is already well underway. But you can fight back and protect yourself before it happens. Our identity theft program enables you to block your credit so only you can use it. If anyone tried to do anything with your credit report such as get new credit, change your address, expand credit lines, open a checking acocunt, get insurance and more, our identity theft program will alert you directly for your approval before anything happens. LifeLock is the only company that prevents your children's identities from being stolen. Our identity theft program is backed by LifeLock, one of the leading providers of identity theft prevention services, having developed the nation's first and only proactive identity theft solution designed to prevent crimes before they occur.

Power Financial has negotiated a special discount for our members so you can get the identity theft program for a full year for about the same price that a home alarm system costs each month. Be sure to enter "POWERFI" in the Promotion code box when you enroll. You can comfortably sleep at night while the identity theft monitoring system "keeps tabs" on your credit accounts. Hopefully, you will not become a victim of identity theft, but accidents happen. Prevent being a victim with LifeLock. Additionally, all services are backed up with a $1 million guarantee. If your identity is stolen, LifeLock will fix the problem. No matter what it takes. LifeLock will reimburse up to $1,000,000 in financial losses. Click here for useful information about what else you can do if you become a victim of a phishing scam or identity theft.

Check your Credit Score

Lenders use your credit score to make critical financial decisions about you. Be an educated consumer by knowing your score and how to improve it. Need to find out your score? Contact us and we'll help you read through your credit report.

Vehicle Service Agreements (VSA)

Your vehicle is a major investment. You'll want to protect that investment so you can drive it for many years to come. Safeguard your vehicle with Vehicle Service Agreements (VSA) from Power Financial Credit Union. By complementing your new vehicle's limited warranty or adding protection to your used vehicle, our VSA program extends coverage to virtually every aspect of your car's mechanical and electrical performance. You'll find our VSA is priced much lower- as much as 50% of dealer costs. Don't be caught financially off guard when costly repairs occur. With the Power Financial VSA program, you have "mechanical" insurance for your car.

Guaranteed Auto Protection (GAP)

Your car has been in an accident or stolen. Your insurance company has just notified you that they will cover the current value of the car, but not the remaining balance on the car loan. In other words, you are responsible for the "GAP" between the insurance settlement and the outstanding loan balance.

Our GAP program protects you against financial loss or liability when you finance a new or used vehicle with Power Financial. As your car's value declines, your loan balance may be higher than your car's value. If your car is stolen or destroyed, you are liable to pay the difference between your insurance settlement and your outstanding balance. Guaranteed Auto Protection (GAP) gives you peace of mind by covering the difference.

Credit Life and/or Credit Disability

Wouldn't life be wonderful if paying back loans and mortgages worked according to our plans? Mortgages get paid off early, car payments get made on a monthly basis without a hitch and we sit back and enjoy life. Unfortunately unforeseen circumstances have a way of altering our plans. A death in the family, an injury on the job, or other unforeseen accidents can leave us in a difficult financial position especially with high cost medical bills. With Credit Life and Disability, you can alleviate part of the stress from these events by having your loan payments covered. Take a large burden off yourself and your family by covering your loans with Credit Life and Disability.

Report Identity Theft

If you have given out your credit, debit or ATM card information:

• Report the incident to the card issuer immediately
• Review billing statements carefully after the incident
• If the statements show unauthorized charges, send a letter to the card issuer via regular mail (keep a copy) describing each questionable charge
• Cancel your account and open a new one

Credit Card Loss or Fraudulent Charges

Your maximum liability under federal law for unauthorized use of your credit card is $50 (policies vary). If the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use; in general, you may only be liable for a very small amount but always check with your individual card company for their exact policy. Your liability depends on how quickly the loss is reported. You risk unlimited loss by failing to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you.

If you have downloaded a virus or 'Trojan Horse':

• Some phishing attacks use viruses and/or a 'Trojan Horse' to install programs called "key loggers" on your computer. These programs capture and distribute any information you type to the phisher, including credit card numbers, usernames and passwords, Social Security Numbers, etc.
• If this occurs, you likely may not be aware.
• To minimize this risk, you should:
  • Install and/or update anti-virus and personal firewall software
  • Update all virus definitions and run a full scan
  • If your system still appears compromised, fix it and then change your password again.
• Check your other accounts - suspects may have accessed different accounts: eBay account, PayPal, your email ISP, online bank accounts, and other e-commerce accounts.

If you have given out your personal identification information:

Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. If you have given this information to a phisher, you should do the following: