Category Archives: From My Seat

The Other Sarah & Why You Should Review Your Credit Report Annually

From My Seat : A Blog Series from USAgencies’ Employees

Through my experience working at a credit union for most of my 20s, I’ve had the opportunity to learn financial lessons first hand, via member experiences and my own. I’ve had lessons in everything from building credit, to starting over from a bankruptcy. The biggest lesson I learned was my very first – how important it is to take advantage of checking your credit report annually.

I’ll set the stage: I was 24 years old, a year and half into my job at USAgencies as a teller, and I was still learning banking basics. At that time in my life I had never had a loan and had just one credit card with a small limit. The thought of checking my credit report had never even crossed my mind, seeing I had just the one credit card and I was aware of my limit and balance, which I paid off every month.

One afternoon I received a phone call from Kathy in human resources letting me know that Social Security called to verify my employment status, as they had received an application for a disability claim matching my social security number and name. They had called twice within the last few weeks, and HR told them each time, “No, Sarah is working and currently employed with us at this time.” Kathy suggested I contact Social Security myself to ensure it was cleared up as someone had clearly made a mistake along the way.

When I got off the phone with Kathy I told my co-worker about what as happening, and having been in banking a few years more than me, she suggested I view my credit report just to be safe.

I went to annualcreditreport.com and pulled my credit. There it was….  A collections!!…. an item in collections reporting in my name.  How could this be? I had ONE credit card. I had never been contacted by any agencies asking me for money, and I couldn’t even think of any situation I could have been in that would have resulted in a collection. I started to get nervous, and my mind begin to fill with all the possibilities of what was happening, and the road I had in front of me if this was in fact a case of identity theft.

On the credit report was the contact information for the collection agency so I called them right away. I stated who I was and what I was calling about. They informed me that the collection item was a medical bill from an ER visit up in Spokane, Washington. Not only had I never been in the ER as an adult, I had NEVER been to Spokane. They gave me the hospital’s contact information, I contacted them, and explained the situation. I asked for all the records they had regarding this ER visit. All the hospital needed from me was a faxed request with a copy of my ID and they would send the records to me in the mail in 3-5 business days.

When the packet of information came in the mail I was stunned. There is was in black and white – someone using my FULL name, social security number, and birth date had in fact been admitted to the ER in Spokane, Washington. There was a physical description of this “Sarah Buck” and we couldn’t be more opposite. This was definitely NOT me.

I now was in a panic. Someone had stolen my identity and I had no clue what to do. I needed to dispute this charge, but I also needed to find out what else they were doing with my name! That night, I gathered ALL of the identifying information I had – my social security card, my driver’s license, my passport, my birth certificate – EVERYTHING.

The next morning, I went into the Social Security office, took a number, and waited my turn. When my number was called I went up to the window and explained to the representative my situation, and I needed to know what to do next. She took all of my ID I had brought, and pulled something up on her computer. She then asked me if I had ever been married and changed my name. I said no, never. She explained that there was record of a name change due to “me” getting married. She said given all of the ID I was able to provide, it seems as if I was correct and I may have a case of ID theft on my hands. She went over a few additional items with me, took copies of all my documents, and let me know she opened a case and would be in contact with me within a day or two with next steps.

The very next day I received a call. She said she had good news and bad news. The good news – it WASN’T ID theft. The bad news, it was something much more complicated.

When I was born, on the VERY SAME DAY another girl, in Washington State, was ALSO born. Our parents gave us the same exact name, and we already happened to have parents with the same last name of Buck. When our papers were submitted to Social Security someone assigned us the SAME number. That’s right.  I had shared not only an entire full name with someone else, the very same birthday, and we were assigned the very same SSN. We weren’t even born in the SAME state so how this happened, they had NO Idea. Clearly someone had made a HUGE mistake along the way. What baffled me is how it was able to go on for so long without anyone noticing. I had been working since I was 18, I had filed my taxes every year, I had been enrolled in college, and had a credit card – and nothing!

The SS office informed me that a new number would have to be issued to me to move forward from this very rare situation. A New number?! My parents made me memorize my SSN when I was 10 years old. How was I going to memorize a new one?!

After a few long months of lots of paper work and phone calls, I had a new SSN and all my pertinent contacts had been informed. I even had to speak with the police in Washington because the other Sarah Buck had gone the same path as me, suspected ID theft and filed a police report.

Today I do in fact know my new SSN by heart, and can still even recall the old one. I run into a few issues here and there when needing to verify myself, but I have accepted this will be a lifelong thing and I am ok with it, as long as it is protecting my name.

I now check my credit report every single year to ensure that all the information is mine and accurate.  If this had never happened, I am sure I wouldn’t have started doing this so early in my life, but I now know it’s crucial. Credit is used for many different things from employment and housing to car insurance rates. Check your credit report annually (annualcreditreport.com)! Start early on building your credit on a positive path, and take responsibility for your financial life. It will pay off in the end, trust me!

Sarah, Lending Services

About Sarah:
Without Sarah’s support, the lending department would be smoking, if not in flames. She helps prepare loan for processing, updates materials in the database, handles DMV titling — and that’s all before lunch. This woman does not like leaving the office with anything still in her inbox. As a master of details, Sarah handles her lists like a magical bow and arrow, slaying deadlines preemptively and triumphing over red tape. One of her most gratifying moments came when she worked in Member Service – her radar picked up strange transactions on a member’s account. She was able to initiate processes to protect an elderly member from financial abuse. All this good work can be tiring, leading Sarah to occasionally pause from her labors to spend time with her niece and nephew. They’re pretty cute.

From My Seat is a series of posts written by USAgencies’ employees on a variety of topics. We hope this gives members insight into what we do, why we do it, and provide some financial education along the way. Stay tuned for additional posts in the series in the future.

Why I Show Up for Something Bigger

From My Seat : A Blog Series from USAgencies’ Employees

MarkNine years ago I started my career in the credit union industry. Before that first day on the job, I did my “homework” – I read about credit unions and what sets them apart from banks. In my research, I read one thing that stood out the most. It captivated me, and made me feel like I was going to be part of something bigger. I read three simple words. People helping people. How wonderful does that sound? I was going to work at a place that was founded on a vision of people helping people. Working for a credit union, I look forward to interacting with members each day. I enjoy getting to know each and every one I encounter – listening to stories about their family; hobbies they enjoy; or sometimes, lending a compassionate ear for a concern. I get to earn and build trust with our members. As credit union employees, we are given the tools to help educate our members — as well as ourselves. We get to share our own personal stories and experiences. Over the years I have the pleasure of meeting a lot of people. I enjoy being pro-active and finding a solution to an issue, and seeing a member walk away with a smile. I pride myself in creating a personal touch with each member interaction. I am passionate about the credit union movement, and what we are here to do. I live by those three simple, yet very important words. Each day at work: “people helping people.” I know that without the earned trust of our members, we would not be here. This is what it’s all about: Having passion in what we do; being knowledgeable in what we share; listening to each member need; and being compassionate in difficult situations. It’s all part of the bigger picture. I show up at work with great pride, because I am a part of this something bigger. Thank you for being a member of a credit union! I look forward to serving your family on their financial journey. Mark, Lending Services About Mark: When you’ve met Mark, you’ve met a real, passion-filled credit union advocate. And that’s the truth. With many years in credit unions, Mark works in Lending Services and is overflowing with all the goodness that embodies the heart of the credit union movement. To quote him directly “I enjoy getting to know each member and hearing about what they have going on, building that relationship with them. I provide sound advice and educate members on ways to help make banking easy.” What a guy! Away from the office, Mark spends gobs of time with his puppy, Odis and enjoys the never-ending variety of food found in Portland, and like many others here, he hits the snowboard slopes in the winter and the cycle paths in the warmer months.  

From My Seat is a series of posts written by USAgencies’ employees on a variety of topics. We hope this gives members insight into what we do, why we do it, and provide some financial education along the way. Stay tuned for additional posts in the series in the future.