Fraud Detection & Resources

ILA 1351 Federal Credit Union utilizes a cutting-edge fraud detection system that helps stop fraud at the point of sale for credit and debit card transactions. This sophisticated and highly effective system is the most reliable tool in the industry to help minimize your risk of fraud.

Our card fraud detection system identifies certain typical situations in which card fraud can occur. If questionable activity is detected, the system compares the charge in question to your normal spending pattern and "scores" it based on the likelihood of fraud. If the system determines that there is questionable activity on the account, it is queued to an investigator to contact you for verification of the charges. If fraud is confirmed, your account is closed immediately, and a new account is generated for you. It may turn out that it really was you making the purchase. But just as easily it could be that ILA 1351 Federal Credit Union has prevented you from being a victim of fraud.

Forms & Applications

For your convenience, please use the forms and applications below:

Loan Application — When applying for a loan through ILA 1351, if you currently have no loans, we would need to pull your credit to determine the interest rate for the loan. Please complete the following credit authorization form and fax it in with your loan application. If not, please complete just the loan application.

Loan Application

Credit Authorization Form

Direct Deposit — In order to complete Direct Deposit, a voided bank check must be accompanied with the form.

Direct Deposit

Direct Deposit Termination

Vehicle Documentation — Use the below forms to help when buying or selling a vehicle.

Application for Certified Copy of Title

Application for Texas Title and/or Registration

Texas Motor Vehicle Transfer Notification

Limited Power of Attorney for Motor Vehicle Transactions

Credit Card Application and New Membership Disclosure

CREDIT CARD Account Opening Disclosure

CONSUMER Credit Card Agreement and Disclosure

Fillable Credit Card Application

Credit Card Solicitation Disclosure

Get Your Free Credit Report

As a member of ILA 1351 Federal Credit Union, you should know that we rely on credit history data collected from CSC (Equifax) in our decision-making process when granting loans and credit. We use credit reports to provide us with credit information. The information in your credit report may affect how much credit we extend and the payment terms, so it is important to periodically verify your credit history is accurate.

There are three main credit bureaus in the United States — Experian, Equifax, and TransUnion. The credit bureaus collect information provided by all of your creditors. We encourage all of our members to review their credit report on an annual basis and report any discrepancies immediately.

Under the FACT Act, every consumer is entitled to one free credit report per year. A single online source makes it easy for consumers to request their credit report. To order, check out Annual Credit Report or call (877) 322-8228. This is the only authorized online source for a free credit report from the three credit reporting bureaus.

Monitoring and reviewing your credit report can help protect you from identity theft and ensure your report is accurate. An inaccurate report could have a negative influence on a creditor's decision to grant you credit. There are four sections to a credit report:

Personal Information

This section includes your name, current and previous addresses, Social Security number, telephone number, date of birth, and current and previous employers.

Credit History

This section includes a listing of all the credit accounts you have had in the last 10 years. It also shows how you have managed financial obligations, such as retail credit cards, loans, mortgages, and credit union/bank credit cards. Each entry in this section includes:

Account Number
Creditor's Name
Amount Borrowed
Amount Owed
Credit Limit

Dates When the Account Was Opened, Updated, or Closed
Timeliness Of Payments
Late Payments
(Noted As a Negative Activity)

Public Records
Any Liens, Bankruptcies, &/or Court Judgments, Including Child Support Judgments, Will Be Listed In This Section

Inquiries

Any party that has requested a copy of your credit report will be listed under "inquiries." If you notice an inquiry for credit that you did not apply for, check to be sure credit wasn't issued. If it was, contact the credit issuer right away. This could be a sign of identity theft. Other inquiries may be for promotional purposes or account management issues. These inquiries are not counted as official inquiries and do not go against your credit score. If any information is unfamiliar or inaccurate, file a dispute right away with the credit agency.

ILA Debit Cards — If You Haven't Ordered Your Visa Debit Card or ATM Card, Please Stop By & Speak To a Representative

The ILA 1351 Federal Credit Union web site is connected to third-party websites. The links are for informational purposes only and not an endorsement of those products or services. Third-party websites accessed by links are not part of the credit union or its website. The online financial information offered through ILA 1351 Federal Credit Union's web site is not designed for or directed toward children under age 13. We do not collect data, and we do not market online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.