Need help logging in to PHFCUOnline?

Please visit our login instructions.

Learn More
EQUIFAX DATA BREACH What you can do to protect yourself... 

Equifax, one of the three major credit bureaus, has left many Americans questioning if they are part of the 143 million people whose personal data has been exposed. If you are concerned due to the breach and want to protect yourself from the hack, this is what you can do… 

Equifax is offering to anyone affected by this breach, a free year of credit monitoring through their TrustedID Premier program designed to prevent identity theft and credit tampering. Please be aware that PHFCU is not endorsing nor discouraging the enrollment of this product and that there are reports that Equifax’s online tool to enroll into their identity theft protection and credit file monitoring service may not be entirely accurate, that fees may apply, and that enrollment in these products may prevent you from participating in future class-action lawsuits. We highly recommend you carefully read through all disclosures and agreements before signing up for Equifax’s service. For questions, you can visit or equifaxsecurity2017.com or call (866) 447.7559.

The US government guarantees everyone a free annual credit report from the three major bureaus at annualcreditreport.com. When looking through your reports, keep an eye out for new accounts you didn’t open, late payments on debts you don’t recognize, and any other activity that looks unfamiliar. 

One of the most reliable ways to prevent someone from opening credit in your name is to place a Credit Freeze on your credit report. If you would like to unfreeze your account in order to apply for credit, you will need to provide a PIN that you will create when you initially froze your credit report. The process is usually automated and can be completed within a few minutes. Just be sure to keep your PINs in a secure place. There may be a fee associated with this service so please ask the credit bureau what their fee is to freeze or unfreeze your credit report. 

To freeze your credit report, contact each of the credit bureaus using these phone numbers: 

Equifax: 1-800-349-9960 
Experian: 1 888 397 3742 
TransUnion: 1-888-909-8872 

When a fraud alert is set, credit companies will be required to verify your identity before opening an account. Once the alert is set, it will last 90 days. 

To set a fraud alert, call one of the credit bureaus (you do not need to call all 3). 
Equifax: 1-888-766-0008 
Experian: 1-888-397-3742 
TransUnion: 1-800-680-7289 

Monitor your existing credit card and monetary accounts closely for charges you don’t recognize. If you notice anything questionable on your statements, please call us at 808.737.4328.