If ID Theft Happens to You
If you are a victim of identity theft, take the following steps:
Then you should:
- Review account information and credit reports carefully.
- Close accounts that have been tampered with or opened fraudulently — first by phone, then in writing.
- Dispute fraudulent transactions.
- Place a fraud alert on credit reports. When you place a fraud alert with one credit bureau, the others will be notified.
- Change passwords for online accounts.
- Notify your Internet Service Provider (ISP).
- Contact agencies that have issued you any identification, such as the Secretary of State's office concerning your driver's license.
- Use the Identity Theft Action Log to help you keep track of the notifications.
If the theft involves the U.S. Mail, contact the U.S. Postal Service Office of Inspector General.Back to top
Identity theft can take place online, on the phone, at the mall, and even at home. These tips can help you keep your identity safe.
- Use CEFCU On-Line® and Mobile Banking to check your account balances frequently.
- Report even small discrepancies on your account or billing statements.
- Pay bills online with CEFCU Bill Pay to alleviate problems with checks going through the mail.
- Visit OnGuard Online [EN ESPAÑOL] for tips to help you with wireless security issues.
- Shop only at reputable sites and follow the online shopping guidelines [EN ESPAÑOL] at OnGuard Online.
- Look for the security indications before completing online transactions. These include a closed lock and "https" in the address line instead of "http."
- Keep your computer and virus software up-to-date.
- Create strong passwords, and make them different for each site.
- Do not carry confidential information — Social Security card, PIN, etc. — in your purse or wallet.
- Shred personal information before putting it in the garbage.
- Keep personal information confidential, even from family and friends.
- Do not volunteer account numbers, Social Security numbers, or other personal information if you have not initiated a call.
- Request and review your credit report.
Remember, if something sounds too good to be true, it probably is! Think twice before responding to offers that promise too much.Back to top
Tools & Resources
- Blog: Report Card
- Blog: Ways to Avoid Identity Theft
- Podcast: Identity Theft
- Resource: BBB Scam Stopper
- Resource: ID Theft Coach [EN ESPAÑOL]
- Resource: Identity Theft
- Resource: Identity Theft Solutions
- Resource: OnGuard Online [EN ESPAÑOL]
- Resource: Privacy & Identity
- Resource: Stop. Think. Connect. Toolkit NEW
- Tutorial: Spoof (fake) Emails
- Video: How to Prevent Identity Theft
- Are You Alert for These Common Financial Scams?
- Are You Protecting Your Personal Financial Information?
- ID Theft Cost Depends on Situation
- Increase in Smartphone Hacking Raises Concerns
- The Internet and You
- Keeping Personal Details Under Wraps
- Keep Kids Safe Online [EN ESPAÑOL]
- New Threat: Medical ID Theft
- Protecting Your Personal Information
- The Science of Scams NEW
- Share Your Web Smarts With Elders
- When the Identity Thief is a Family Member
- Young Adults at Risk for Identity Theft