Protecting Your Accounts
Identity theft can be expensive, stressful and extremely complicated to recover from. Chances are, you or someone you know has had their identity stolen at one point or another. Anymore it’s not a matter of if, but when and how to protect yourself.
What to do if your account numbers or personal information is compromised.
Immediately call the three national credit reporting organizations listed below to place a fraud alert on your name and Social Security Number.
- Equifax/CSC (866) 349-5191 www.equifax.com
- Experian (888) 397-3742 www.experian.com
- Trans Union (800) 680-7289 www.transunion.com
It is also important to notify the Social Security Administration on their Fraud Hotline at (800) 269-0271.
Other Safety Tips
- Report the loss or theft of your credit, debit or ATM cards to the card issuer as quickly as possible.
- Follow up your phone call to each card issuer with a letter.
- Sign-up for electronic statements to prevent mail and trash theft of your account statements.
- Monitor your accounts for suspicious transactions online or on your mobile device.
- Keep a list of all your account numbers and each account's toll-free number to call to report a theft or loss. Keep this list in a safe place separate from your cards so you can refer to it quickly if your wallet is stolen or lost.
- Do not disclose your account numbers, social security number, etc. to others. If someone calls you explaining the call is from or on behalf of your credit union or bank asking for your account number or other private personal information, do not provide your information. Rather hang up and call the institution at a number you know is your credit union or bank. Employees or agents of your credit union or bank will have access to this information and would not need to ask you for it.
- Memorize your PIN (Personal Identification Number). Do not write it on your card or anything you carry near your card.
- Don't tell anyone your PIN or account number, or loan anyone your card.
- Never give out your account number over the phone, email, text message or on Social Media.
- Review your credit bureau on a regular basis for mistakes or suspicious new accounts you did not open. The three major credit bureaus are required to give you access to your bureau once a year at no cost. Go to AnnualCreditReport.com to pull your reports.
- Tip: Stagger pulling your report from each bureau over the course of the year. That way, you can monitor your bureau throughout the year. For example, pull from Equifax in January, Experian in June and Trans Union in October.
- Note: Pulling your bureau does not give you your credit score. If you are just looking to monitor your bureau for mistakes or potential fraudulent accounts, you don't need your score.
- Avoid facilities in dark or remote places.
- Have another person with you at the ATM whenever possible.
- Have your card and transaction ready when you approach the ATM.
- Keep your doors locked and all passenger windows closed at a drive-up ATM.
- Block the view of others while entering your PIN by standing between the terminal and any person who is waiting.
- Remove your cash immediately when you make a withdraw.
- Make sure you have your card and receipt before you leave the ATM.
Identity theft protection services help you monitor your financial accounts and personal information. Monitoring activity involving your sensitive information, helps you catch fraudulent transactions early to minimize the damage. Electro Savings members have access to Kasasa Protect. Kasasa Protect is designed to keep an eye out 24/7 for suspicious behavior on your bank accounts, credit report and the dark web. Learn more about Kasasa Protect.