What To Do if Your Identity is Stolen
Published: May 31, 2018
Data breaches seem to be a reoccurring incident in the news. The number of consumers possibly affected by these data breaches can vary greatly depending on the size of the business and the types of services or products they offer. With so much of our world online now, it can be difficult to know what to do if your identity is stolen.
Being a victim of a data breach can be upsetting, so be prepared if it happens to you. If you become a victim of a data breach, follow these steps to protect your identity and personal information:
- Review Your Information: If you have an account or signed up for any type of loyalty or rewards program with a business reporting a data breach, review your information with them immediately. Identify what information it contains and what can potentially be compromised. Look for any unauthorized activity, such as a change in address or telephone number.
- View Transactions: Pay extra attention to your account and billing statements. Check for transactions that aren’t yours or you can’t validate.
- Update Logins: Change all user access credentials. If you use the same passwords for other financial institutions, change them. Watch financial statements—on paper and online—for unauthorized transactions. Be aware of potential email, phone and us mail scams.
Enable text and email alerts when possible.
- Activate Account Monitoring: If you have access to any identity theft monitoring/protection services(s), we recommend you activate it as soon as possible.
Santa Clara County Federal Credit Union provides FREE identity theft resolution services as part of our Rewards Checking program. Identity Theft 911 is powered by CyberScout, America’s premier provider of identity theft services.
If you have a Rewards Checking account with us and think your information may have been compromised as a result of any data breach, you can call us at (408) 282-0700 or 1-800-282-6212. We’ll transfer you to a fraud specialist at Identity Theft 911’s Resolution Center. There is no added cost to you for these services, no matter how often you talk to a fraud specialist.
In addition to Identity Theft 911, County Federal also offers further credit monitoring services through FraudScout. FraudScout can help protect you from identity theft and fraud by detecting activity that may indicate your personal information has been compromised. To review the program levels, or to purchase FraudScout, visit www.sccfcu.org/credit-monitoring-fraudscout.
Our partner, BALANCE, is also a resource for identity theft resolution guidance for all our members. BALANCE can review your credit report and assist with correcting any inaccuracies that appear. Visit our website at www.sccfcu.org/balance for more information on free services from BALANCE.