Identity Theft – What to do if you are a Victim
If you, or someone you are close to, think you may be a victim of Identity Theft, follow the steps below.
- Inform the credit union immediately if your wallet, purse, or any other financial information was lost or stolen.
- Cancel any checking and savings accounts and open new ones.
- Get a new ATM, Debit card, or Credit Card and cancel any outstanding checks.
- Change related passwords or PIN numbers.
- Notify companies that have automatic payments tied to the closed account to make sure you don't miss a payment.
- Log all calls, letters and emails you have about the fraud – this will be helpful if you need to file a claim or police report.
- Keep copies of all documents relating to your theft and be sure to document your actions, such as time spent straightening out the situation. You may be awarded some restitution for this later on.
- Placing a fraud alert entitles you to one free credit report from each bureau. Although the alert makes it harder for someone to open new credit accounts in your name, it won't necessarily prevent them from using existing accounts.
- Carefully review your credit reports for errors, fraudulent activity, or suspicious credit inquiries from an unfamiliar source.
- Also be aware that posting a fraud alert could delay your own ability to obtain new credit.
- The Federal Trade Commission's "Defend: Recover From Identity Theft" website contains step-by-step instructions for completing and filing the report with local, state and federal law enforcement agencies.
- Also send copies of the report – by certified mail, return requested – to the credit bureaus and companies whose accounts were impacted.
- FTC ID Theft Hotline: 877-438-4338
- Social Security Fraud Hotline: 800-269-0271
- US Postal Inspectors: 800-372-8347
|Fraud Watch Intl||Lost/Stolen Cards||Personal Finance|
Routing # 296076084 • Toll-Free 800-229-2848
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