Protecting Yourself from Identity Theft
Identity fraud happens when someone steals personal information such as your account number or Social Security number and then uses this information illegally to make withdrawals from your accounts or apply for credit in your name.
Take these precautions to protect your information:
- Be cautious when providing personal information such as your Social Security number and account or credit card information over the telephone, in person or on the Internet. Don't give out this information unless you are sure with whom you are dealing.
- Protect your Social Security number and the Social Security numbers of your children and other family members by not carrying them in your wallet.
- Report lost or stolen checks, credit or debit cards immediately. First Central Credit Union will block payment on the check numbers or account numbers involved.
- Limit the number of credit card pre-approved offers that you receive by removing your name from the marketing lists of the three credit reporting bureaus. Visit www.optoutprescreen.com to remove your name from their lists now.
- Store cancelled checks, new checks and account statements in a safe place.
- Notify the credit union of suspicious phone inquiries such as those asking for account information to "verify a statement" or "award a prize."
- Review your credit report at least once every year. Make sure all information is up-to-date and accurate.
- Memorize your PIN (Personal Identification Number) and refrain from writing it, your Social Security number or credit card number on a check.
- Tear up or shred any pre-approved credit offers to which you do not respond. Thieves can use these offers to assume your identity.
- Keep mail secure. Don't mail bills or sensitive information from your home or unsecured mailboxes. Retrieve and review your mail promptly. Thieves may use the personal information contained in your mail to steal your identity.
- If you do not receive your regular bills when expected, call the company to find out why.
- Review your monthly account statements thoroughly. Investigate suspicious items immediately to head off any possible fraud before it occurs.
- Do not carry your Social Security card, passport or birth certificate unless needed that day.
If you are a member of First Central Credit Union and you think you are victim of fraud, immediately contact us by calling 254-776-9333 so we can flag your account. To report ID Theft or Fraud on your First Central account, you must file a police report, supply us with the case number or a copy of the police report, and fill out the Sworn Statement. The form may be filled out prior to coming to First Central Credit Union.