Lighthouse Community Credit Union
Volume 1, Issue 4 Winter 2014
Light Lines
Our Vision
“To provide a sound financial
place to build and save assets
through meaningful, personal,
banking.”
How To Tell If Your ID Has Been Hacked!
The 2013 Identity Fraud Report from Javelin Strategy & Research, Pleasanton, CA, revealed that
almost one of four consumers who received a data breach letter became a victim of identity theft.
The same study revealed that consumers who had their Social Security number compromised in a
data breach were five times more likely to be a fraud victim than the average consumer.
How can you tell if your identity has been
compromised?
Your Credit Union
Team:

Lori Olsen
President
[email protected]

Kim Bailey
Member Services
Representative
[email protected]

Christine Close
Lending Representative
[email protected]
 Sudden drop in credit score. An unexplained
drop in your credit score is a sign someone is
using – and trashing – your credit.
Surprise! You’re denied. If your credit card is
denied, find out why – especially if you always  Mysterious new account. The sooner you notice
unauthorized accounts opened in your name, the
pay on time and haven’t reached your spending
faster you can shut them down.
limit. Don’t shrug it off and assume your card
will work the next time; investigate immediately.
 Bottom line: Review your credit reports regularly.
Unexpected increase in an account balance.
You can order one free credit report a year from
This could be a sign that someone made
each of the “big three” credit reporting agencies –
changes in your name and went shopping,
Equifax, TransUnion, and Experian – at
hoping to leave you with the bill.
annualcreditreport.com. And keep an eye on your
credit score. Ask for help at Lighthouse Community
Unauthorized inquiries. If you see inquiries on
Credit Union, or visit myfico.com. Finally, contact
your credit reports that you didn’t initiate, that’s
one of the credit bureau fraud units about placing a
a sign someone might be trying to open credit
fraud alert on your file. Find contact and phone
in your name.
numbers at ftc.gov/identitytheft.
Chevonna Drake
Collections Representative
[email protected]
Ruth George
Operations Officer
[email protected]
Lynn Heitz
Business Development
Officer
[email protected]
Sheila Keen
Lending / Collections
Representative
[email protected]
Shad Thomas
Member Services
Representative
[email protected]
We are in need of three (3) people to join our Supervisory Committee. They meet once a month at the
credit union office (so you would need to live locally) in the afternoon.
If you are interested and would like to discuss the ways in which your skills and experiences can benefit
others, email Lori Olsen at [email protected].
“Volunteering is the act of giving your time and services to another person or
organization without the expectation of monetary rewards."
Lighthouse Community Credit Union
Save the Date!
The Annual Meeting will be on Thursday, March 26, 2015 at the Water Resource Center in Vancouver.
Doors open at 5:30 pm, meeting at 6, with BINGO to follow.
Is COMING!
Want a fast, easy, and economical
way to prepare and file your tax
returns?
If you participate in online
banking, you will soon be able
to access Turbo Tax (on our
website) to prepare, file and send,
and have your returns
automatically direct deposited to
your account here at Lighthouse
Community Credit Union.
Watch for further information on
our website www.lhccu.com and
on Facebook in the coming
months.
Lighthouse Community
Credit Union
702 Jefferson Street
Vancouver, WA 98660
Open Monday – Friday
Lobby Hours:
8am – 5 pm PST
Phone Hours:
7am – 5pm PST
Phone: 800.694.8329
Fax: 360.694.0693
Email: [email protected]
R/T: 323383352
Your Credit Union really is here to help –
I know you think this is just something that all places say to get you in the door to buy their products and
services, but we truly do try. Each person has their own story and circumstances, etc., some of which
may have been chosen and some just forced upon them. If there is something we can do to help, we will
try.
Here is just one example of a good news story - - A member who ran into some hard times a year or so
ago (we will call her Jane Doe to share her story), has now come out the other side and is doing better.
Jane had been a member for a short time and had gotten a car loan to buy a car. She found the car of
her dreams . . . a used Mercedes and she really liked the car. It had leather interior, sunroof and all the
bells and whistles. You probably can relate to her admiration of this car.
Fast forward a few months . . . suddenly she loses her job and panics, how is she going to make the car
payments and a house payment too? She didn’t want to lose her home; it had been in the family for
years. She thought long and hard and called the credit union to discuss her situation and get some
advice. Her final decision was to voluntarily surrender her car back to the credit union. We explained that
by doing so she saved herself on some collection costs, but when the car was sold if there was any
balance left it would be her responsibility – she understood. Sadly, Sheila and I met with her and took the
car for her. It was a tough day for Jane and for us too, watching her make this decision was
heartbreaking.
The CU was able to get the car sold to cover almost her entire balance. While Jane was left with a
balance to pay, it was less than $800.00. At about the same time, a new job came her way and things
were looking up. Jane was able to pay that remaining balance off in less than a year.
She is now in the market for a new car again, and of course she came to her credit union to get
preapproved to go shopping! Jane is excited and happy and we are happy for her too!
This article isn’t intended to suggest returning your car when you get into a financial bind that you feel is
just too much to handle. However, we do want you to understand that there can be options and it may
not be as bad as you think. Think of US when you need some guidance.
Holiday Closures
Weds, Dec 24, 2014
Christmas Eve
Closing at 12:00 Noon
Check us out on Facebook
www.facebook.com/lhccu
2997-NWSLTR-1214
We’re on the Web!
www.lhccu.com
Thurs, Dec 25, 2014
Christmas Day
Weds, Dec 31, 2014
New Year’s Eve
Closing at 3:00 PM
Thurs, Jan 1, 2015
New Year’s Day