Identity Theft Recovery
Identity theft can happen to anyone.
Identity theft is when someone else uses your personal information for their own personal gain. Identity theft can happen to anyone, and it comes in all shapes and sizes.
According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year. Some common types of identity theft are:
- Your credit card digits could be stolen and used to make online purchases.
- A thief could impersonate you to open a loan in your name.
- Someone could use your personal information to apply for a job.
Our identity theft recovery services.
Guthrie Community Credit Union offers identity theft recovery and monitoring services as part of our Advantage Plus Checking Account. When you sign up for an Advantage Plus Checking Account, you benefit from:
- A personal recovery advocate standing by to research and resolve any identity theft issue that you may suspect or evidence of identity fraud that you discover.
- Reimbursement of expenses incurred in recovering from identity theft.
- Credit monitoring that alerts you to significant changes in your TransUnion® credit file.
- Dark web monitoring that alerts you if your personal information or registered credentials have been compromised online.
- Mobile phone insurance that provides coverage up to $500 minus a $50 deductible for any repairs or replacement due to accidental damage, mechanical failure or theft.
Go to https://guthriefcu.nxgstrategies.com/ to learn more about these services or to activate credit monitoring if you are already a member.
Fraud-proof your account.
There are some simple steps you can take to protect yourself from identity theft.
Don’t give your account number and credit union routing information to anyone you don’t know. Only give your account information to companies you are familiar with or if you initiated the transaction. Criminals may ask you for your bank account number and then withdraw money from your account by creating a demand draft (sometimes called a “remotely created check”) or making an electronic transfer. They may also ask for your debit or credit card number and other personal information. Don’t fall for these scams and don’t let yourself be pressured into “free trial offers.” To be removed from telemarketing lists, sign up for the National Do Not Call Registry online (https://www.donotcall.gov).
Review your monthly statement regularly. Make sure all the checks, debits, automatic payments and other withdrawals are ones you authorized. If you see a transaction you did not authorize, notify GCCU immediately. You can review your transactions anytime by logging on to your Online Banking Account.
Notify Guthrie Community Credit Union about any problems as soon as possible.
The sooner you alert us to a problem, the sooner we can get it resolved. In some cases, you may be required to notify GCCU in writing. Keep copies of any documents you give the credit union until the problem is resolved. If you think the problem is a result of fraud, you should also contact your state attorney general.