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  • Identity Theft

    Identity theft is one of the fastest growing crimes in the United States. Financial ID thieves steal key pieces of information, such as a Social Security number, credit card number, bank account number, or a driver's license number to open new accounts, and/or run up charges on existing accounts.

    The harm to a victim's credit and daily life can be long lasting and devastating. However, by taking action now, you can radically reduce the risks and avoid the damage identity thieves can do to you.

    At Home:

    • Don't give out critical information over the phone unless you initiated the call to a trusted institution
    • Shred pre-approved credit applications, statement, receipts: don't give "dumpster divers" a chance
    • Make sure your mail is secure
    • Check your statements and utility bills carefully, and call if you didn't receive your statement on time
    • Consider using Tech CU's electronic statements to eliminate the need for mailed statements.

    Away from home:

    • If traveling, have your mail held at your local post office
    • Don't carry your social security card, any extra ID cards and/or several credit cards
    • When talking on your cell phone or public phone, be aware of eavesdropping

    More Security Steps:

    • Order your credit report each year to check for accuracy
    • On the Web, use a secure browser or place your order by phone or mail
    • Cancel credit cards you haven't used for a long time

    If you suspect that you might be a victim of identity theft, act immediately. First, contact the fraud departments of each of the three major credit bureaus, then close all affected accounts:

    Equifax: 1-800-525-6285
    Experian:1-888-397-3742
    TransUnion: 1-800-680-7289

    Finally, report the crime to the local authorities and to the Federal Trade Commission at 1-877-ID-THEFT (1-877-438-4338).

    Other authorities you might want to contact in case of fraud:

    For more information, visit the Federal Trade Commission's central ID Theft site.