[et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” background_image=”https:\/\/ibew76fcu.org\/wp-content\/uploads\/2023\/05\/groovepaper.png” background_size=”initial” background_repeat=”repeat” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” column_structure=”2_3,1_3″][et_pb_column type=”2_3″ _builder_version=”4.21.0″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” custom_margin=”||-14px|||” global_colors_info=”{}”]<\/p>\n
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Welcome to the Resource Center of IBEW 76 Federal Credit Union. We are committed to not just being a trusted financial institution, but also a source of valuable information to empower our members on their financial journey. This space is dedicated to providing resources on crucial topics such as understanding credit reports, mitigating identity theft risks, and navigating through the potential hurdles of foreclosure. We believe that informed decisions are the best defense against financial challenges. Learn how to access your free annual credit report, what steps to take if your identity has been compromised, and explore various options to avoid foreclosure. By demystifying these topics, we aim to equip you with the necessary tools to confidently manage your finances.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.21.0″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”40px|40px|40px|40px|true|true” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n Guide to Savings & Checking Accounts<\/strong><\/a><\/span><\/p>\n Guide to Budgeting & Savings Accounts<\/strong><\/a><\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.21.0″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n A credit report is your history of paying debts and other bills. It includes your identifying information, public record info (defaults and\/or legal judgments against you), listing of loans and credit cards (plus timeliness of payments) and also inquiries (listing of creditors that have requested your credit report).<\/p>\n The Fair and Accurate Credit Transactions Act (FACT Act) enables you to obtain a free copy of your credit report once a year from each of the three major credit bureaus (Equifax, Experian and TransUnion). For detailed information, contact the Federal Trade Commission (FTC) at www.ftc.gov or at 1-877-382-4357.<\/p>\n Equifax:<\/strong> To obtain a free credit report, go to www.annualcreditreport.com<\/a> or call 1-877-322-8228<\/a><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.21.0″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Are you unable to afford your mortgage payments, but want to avoid foreclosure? There are many options that may be available to you.<\/p>\n To explore any (or all) of these options, contact IBEW 76 FCU, (253) 475-6661 or 800-464-0076.<\/p>\n In order for us to evaluate your eligibility for these options we must review some documents. Please prepare the following documents for our conversation:<\/p>\n Washington\u2019s Department of Financial Institutions will help you find a certified housing counseling agency. You can reach them at 877-894-4663 (that\u2019s 877-894-HOME).<\/p>\n The office of Housing and Urban Development will also help you find a certified housing counseling agency. That office can be reached at 800-569-4287.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.21.0″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|20px|20px|20px|true|true” border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n What to Do IF You\u2019re Identity Has Been Stolen?<\/strong><\/p>\n Take action immediately!<\/strong><\/p>\n Keep record of your conversations and all correspondence.<\/p>\n For more information regarding identity theft, Visit the following websites:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n<\/span>","protected":false},"excerpt":{"rendered":" ResourcesWelcome to the Resource Center of IBEW 76 Federal Credit Union. We are committed to not just being a trusted financial institution, but also a source of valuable information to empower our members on their financial journey. This space is dedicated to providing resources on crucial topics such as understanding credit reports, mitigating identity theft […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-95","page","type-page","status-publish","hentry"],"yoast_head":"\nDownloadable Guides<\/h3>\n
\nCredit Reports<\/h2>\n
\nCredit Bureaus<\/h3>\n
www.equifax.com<\/a> | 1-800-685-1111<\/a>
Experian:<\/strong>
www.experian.com<\/a> | 1-888-397-3742<\/a>
TransUnion:<\/strong>
www.transunion.com<\/a> | 1-800-999-4213<\/a><\/p>\nFree Credit Reports<\/h3>\n
Foreclosure<\/h2>\n
\n\n
\n
Identity Theft<\/h2>\n
\n\n
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\n“What to do if Your Identity is Stolen” – Brochure<\/a><\/li>\n\n