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If you are a victim of identity theft, follow these steps.
- Contact CEFCU as soon as possible.
- Visit IdentityTheft.gov and follow the step-by-step directions.
- 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.
If the theft involves the U.S. Mail, contact the U.S. Postal Service Office of Inspector General.
Identity theft can take place anywhere/anytime, and these tips can help you keep safe.
- Use Online Banking 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.
- Visit OnGuard Online [EN ESPAÑOL] for tips on wireless security.
- 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.
- Sign up for eBills and stop any paper bills you can.
- Consider using a reloadable debit card for online purchases.
- Turn on your mobile device’s security features and set them to auto-update.
- 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 provide 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.
Tools & Resources
- Resource: BBB Scam Stopper
- Resource: ID Theft Coach [EN ESPAÑOL]
- Resource: OnGuard Online [EN ESPAÑOL]
- Resource: Privacy & Identity
- Resource: Stop. Think. Connect. Toolkit
- Are You Alert for These Common Financial Scams?
- Are You Protecting Your Personal Financial Information?
- Protecting Your Personal Information
- 10 Steps to Avoid Scams