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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.

  1. 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.

  2. Contact one of the three major credit bureaus, Equifax (888-766-0008), Experian (888-397-3742) or TransUnion (800-680-7289), and place an Initial Fraud Alert on your credit file. (Whichever bureau you contact will notify the other two to do the same).

    • 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.

  3. If you determine someone has stolen from your account or your identity has otherwise been compromised, file an identity theft report with the police.

    • The Federal Trade Commission's Third Party Website "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.

  4. File a complaint with the Government Authorities listed below. The FTC will enter the information into a secure online database shared by thousands of civil and criminal law-enforcement authorities worldwide.

    • FTC ID Theft Hotline: 877-438-4338
    • Social Security Fraud Hotline: 800-269-0271
    • US Postal Inspectors: 800-372-8347


Member Resources

Fraud Watch Intl Third Party Website Lost/Stolen Cards Personal Finance
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