Identity Theft Tips

Identity Theft

One way to keep ahead of Identity Theft is to STAY ALERT

Monitor your credit reports and read your financial account statements promptly and carefully. You can review your credit report from each of the three reporting agencies for free once per year. Go to www.annualcreditreport.com and make sure that what's being reported under your name is actually yours.

Stay alert for other signs of identity theft, like:

Failing to receive bills of other mail. Follow up with creditors if your bills don't arrive on time. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks
Receiving credit cards that you didn't apply for
being denied credit, or being offered less favorable credit terms, like a high interest rate, for no apparent reason.
Getting calls or letters from debt collectors or businesses about merchandise or services you didn't buy

Find out more about it so you can prevent it from happening to you.

How can someone steal your identity? By obtaining your name, Social Security number, credit card number, or some other piece of your personal information for their own use. In short, identity theft occurs when someone uses your personal information without your knowledge to commit fraud or theft.

Here are some ways that identity thieves work:

They open a new credit card account, using your name, date of birth, and Social Security number. When they use the credit card and don’t pay the bills, the delinquent account is reported on your credit report.
They call your credit card issuer and, pretending to be you, change the mailing address on your credit card account. Then, your imposter runs up charges on your account. Because your bills are being sent to the new address, you may not immediately realize there's a problem.
They establish cellular phone service in your name.
They open a bank account in your name and write bad checks on that account.

Click Here to Learn More!

There is also a web site that provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information. Click the following link for more information.

OnGuard Online

	Identity Theft is a serious crime - Learn how to protect yourself
	We have included several links that you can use to learn how to prevent, detect and defend against ID theft. Learn the steps that you can take, and what to do in the event that you become a victim of the crime.

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL NCUA INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account will no longer receive unlimited deposit insurance coverage by the National Credit Union Association (NCUA). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by NCUA up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.