The 76th Annual Meeting of ATFCU is tonight at the Abilene Convention Center. Doors open at 6:30 pm and the business meeting begins at 7. All members are invited. Learn more on the Current Happenings page.
Notice
Attn: High School Seniors (and parents)! The ATFCU Scholarship application process is open. Learn more about it on our Community page. March 10, 2026 is the application deadline. ... Read more
Branch Closure
All credit union locations will be closed on Monday, February 16 to observe Presidents’ Day. Learn more about how a Monday banking holiday might affect your expected transactions.
Notice
Winter Storm Impact – Our drive-through lanes are open for normally scheduled hours on Saturday, January 24. If the weather or utility availability worsens, we will announce updates here and on our social media platforms. Stay safe!
Branch Closure
Happy 2026! All ATFCU locations will close at 3 pm on New Year’s Eve and remain closed on New Year’s Day. Normal hours will resume on Friday, January 2. ... Read more
Notice
When is the best time for you? Members are able to schedule appointments for most non-teller transactions. Learn more and we can start coordinating calendars! ... Read more
Be proactive here. Credit reports that contain errors will cost you financially and personally.
Request reports annually
You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies – Equifax, Experian, and Transunion.
Space your requests in order to see updated information. For example, order your report from Transunion in February; your report from Experian in June and your report from Equifax in October. Repeat every year.
Credit reports are free. Credit scores are not.
Order your credit report from www.annualcreditreport.com, the only authorized website for free credit reports, or call them at 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.
A credit report does not include your credit score. If you want your score included with your report, there is a charge. If you don’t want to pay extra, click ‘cancel’ or ‘no’ when you are prompted to buy. You’ll be asked several times. Continue to decline.
Dispute incorrect entries
If you believe an item in your credit report is wrong, you can dispute it. To begin a dispute, notify the agency and the lender in writing. Your communication should clearly state what item you are disputing and why. It’s important to unemotional. Provide copies of supporting information if you have them. Keep a log of all actions taken and all responses received. Use the contact information shown below.
Equifax
PO Box 740256
Atlanta, GA 30374
866-349-5191 www.equifax.com
Reporting Fraud Internet Crime Center (ic3) – This bureau is run by the FBI. Consumer reports assist them to investigate complex financial white collar and cyber-crimes. You’ll need to complete this step before contacting the credit reporting agencies. Federal Trade Commission – In addition to its fraud reporting function, this website also contains helpful information to help consumers avoid scams. … Continue reading →
Phishing emails are still going strong because they still continue to work. Evolving technology, such as Chat GPT, makes them more believable and less error-prone. Successful email scams play on emotions to get you to send money or information. Joy (you’ve won something!) Fear (your bank account is locked and you must update your information) Desire to help others (Donate … Continue reading →
Sometimes, we have to be reminded that con artists – especially those using advanced technology – thrive because they win people’s trust. It’s right in the name. CON stands for confidence. Americans generally try to be helpful and friendly – just the sort of people con men (and women) are looking for. It’s possibly time to increase our wariness level … Continue reading →
Additional credit report resources
How to File a Dispute
Credit Karma offers a useful guide for filing credit report disputes. It includes sample language for dispute letters.
If you believe someone has stolen or is trying to steal your financial identity, get in touch with the Identity Theft Resource Center. Their phone number is 888-400-5530.
