As identity theft and fraud continues to rise nationwide, the need for Identity Theft Recovery Services has become increasingly necessary.
What is identity theft?
Identity theft is defined as the process of using someone else’s personal information for your own personal gain. ID theft can happen to anyone, and it can come in all shapes and sizes.
According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year. For example:
- Your credit card digits could be stolen and used to make online purchases
- A thief could impersonate you to open up a loan in your name
- Someone could use your personal information to apply for a job.
Identity Theft Recovery Services
Guthrie FCU has partnered with the nation’s most trusted names in identity recovery to provide the IDSafeChoice program to eligible members. IDSafeChoice protects you if you fall victim to identity theft for any reason. For a low $1 per month fee IDSafeChoice includes:
- Your own personal recovery advocate
- Comprehensive research and recovery plan
- Complete documentation of all incidents of fraud
- Forms completion, filing and follow-up
- Advocate contacts all agencies, institutions, etc.
- No time limit – complete restoration
IDSafeChoice is available to Guthrie FCU members who have an active share draft (checking) account. If you are currently enrolled and suspect that you have been the victim of identity theft, please contact us to begin the recovery process.
What can I do to protect myself?
There are a few simple steps you can take to limit your exposure to these crimes:
- Don’t give your account number and credit union routing information to anyone you don’t know.
Give out your account information for transactions only if you are familiar with the company you are dealing with. And if you have not done business with a company before, give out account information only if you have 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.
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 your credit union immediately. If your credit union has online banking, you don’t have to wait until your credit union statement comes--you can check your transactions at any time.
- Notify Guthrie Federal Credit Union about any problems as soon as possible.
The sooner you alert us to a problem, the sooner they can get it resolved. In some cases, your credit union may require you to notify them 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.
Don’t be one of the millions of Americans each year who have their identity – and money – stolen.