Identity (ID) theft is a crime where a thief steals your personal information, such as your full name or Social Security number, to commit fraud. Identity theft affects millions of people each year. The identity thief can use your information to fraudulently apply for credit, file taxes, or get medical services. These acts can damage your credit status, and cost you time and money to restore your good name. You may not know that you are the victim of ID theft until you experience a financial consequence (mystery bills, credit collections and denied loans) down the road from actions that the thief has taken with your stolen identity. There are steps you can take to help safeguard your accounts and your identity. Account security is a top priority at 1st Nor Cal Credit Union, we hope you will take a moment to review the information below and take an active role in safeguarding your important information. You can learn more and find useful links online at www.mycreditunion.gov/fraud-prevention-center/scams/identity-theft.
- Do not share personal information. Whether over the telephone, through the mail, or on the Internet, do not share your financial account information or Social Security numbers unless you know the person requesting the information is who he or she claims to be.
- Control access to your financial information. Store your personal information in a safe place, and tear up or shred old credit card and ATM receipts, old account statements, and unused credit card offers before throwing them away.
- Protect your PINs and other passwords. Avoid using easily available information such as your mother’s maiden name, your birth date, the last four digits of your Social Security number, or your phone number, as identity thieves can use this information to access your accounts.
- Carry only the minimum amount of identifying information and number of credit cards that you need.
- Monitor billing cycles and statements. Contact the credit union if you do not receive a monthly bill. It may mean that an identity theft diverted the bill.
- Check account statements carefully. Ensure that you authorized all charges, share drafts, or withdrawals on the statement.
- Guard your mail from theft. If you have the type of mailbox with a flag to signal that the box contains mail, do not leave bill payment envelopes in your mailbox with the flag raised. Instead, deposit them in a post office collection box or at the local post office. Remove incoming mail promptly.
- Monitor your credit report. Consumers are entitled to one free credit report from each credit reporting agency annually. Learn more.
- Opt out of pre-approved credit cards, direct mail lists and telephone solicitation.
You can learn more and find useful links online at www.mycreditunion.gov/fraud-prevention-center/scams/identity-theft.
To stop receiving pre-approved credit card offers, request to opt out online or call 888-5-OPT-OUT (567-8688).
To reduce the number of phone solicitations you receive from national marketers, register for the National Do Not Call Registry.
To remove your name from many national direct mail lists, visit the Direct Marketing Association’s DMA Choice tool.