Identity Theft

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.

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Prevention Tips

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.

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Tools & Resources

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Contact CEFCU for more information, to report a lost or stolen card for a CEFCU account, or to report a suspicious email.

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