Identity Theft can happen to anyone at any time. Please remember that Fremont Federal Credit Union will never contact our members asking them to confirm their account information. If you are a member with us, we already have your account information on file. If you ever have questions, please feel free to contact us or stop by any of our offices. We also have an excellent brochure in our lobbies on ways consumers can protect themselves from becoming victims of identity theft.
ID Theft - What You Should Know
According to the Federal Trade Commission, identity theft is defined as "The act of stealing your good name to commit fraud."
No one is immune, but you can take action to avoid becoming a victim. The following are a few suggestions on how to protect your name and good credit.
- Carefully guard your personal information and be selective about with whom you share it.
- Carry as few credit cards and forms of ID as possible.
- Keep a list or photocopies of all the information you carry in your wallet or purse. Store this information in a secure location.
- Shred documents that contain your personal information and account numbers before you throw them away.
- Don't print your driver's license or social security number on your checks.
- Examine your credit report at least once a year.
- Do not reply to the unsolicited e-mail or respond by clicking on a link within the unsolicited e-mail message.
- Check statements regularly, verify all transactions and notify financial institutions immediately of suspicious transactions.
If you find yourself a victim of identity theft, immediately take the following actions:
- File a police report.
- Contact the fraud departments of each of the three major credit-reporting agencies listed below. Request that they place a "fraud alert" on your file and that no new credit be granted without your approval.
- Contact Fremont Federal Credit Union at 419-334-4434 to close your defrauded accounts and open new accounts.
For more information about identity theft visit:
- Call the FTC Identity Theft Hotline at 1-877-IDTHEFT.
- Visit Identity Theft Resource Center: www.idtheftcenter.org
Free Credit Report Access
Consumers can request a free copy of their credit report from the three top reporting agencies.
For your report, you can:
- Call (877) 322-8228; or
- Mail a standardized form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, Ga. 30348-5281.
Fremont Federal wants to help you stay on top of your credit and avoid unhappy surprises. We recommend you request and check your credit report once a year. Visit these links to the sites of the three major credit reporting agencies.
Equifax : 1-800-685-1111
Trans Union: 1-800-888-4213
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