How It Happens
What To Do
Identity theft is consistently the number one complaint to the Federal Trade Commission. Restoring your identity on your own can be time-consuming and stressful. Service Credit Union is delighted to provide identity theft detection and recovery services as part of your membership. IDSafeChoice is provided to all members at no cost.
These services include:
Fully Managed Identity Theft Research, Remediation and Recovery – If you suspect identity theft, or if your personal information becomes compromised, we will assign you to a professional, certified and licensed Recovery Advocate who will complete the recovery work on your behalf, report progress along the way, and be there for you until your good name is restored – no matter how long it takes. Click here for Terms and Conditions.
Lost Document Replacement – This service provides personalized one-on-one assistance to replace identity credential documents that have been lost, stolen or destroyed in connection with your identity fraud event.
Looking for more protection against identity theft?
Add additional protection for yourself and your family or recommend to a friend. All packages include Fully Managed Recovery and Lost Document Replacement, plus other identity fraud detection and recovery benefits. Click here to see package options and to subscribe.
How It Happens
- Account takeover occurs when the thief obtains information on your existing bank and/or credit card accounts and uses the information to obtain fraudulent cash advances or purchase goods or services. Account takeovers can often be detected by carefully reviewing monthly statements.
- New account fraud occurs when the thief uses your social security number, date of birth, and other identifying information to open new accounts. This is a difficult type of fraud to detect since statements are sent to the addresses provided by the thief. Obtain a credit report at least once a year and review it meticulously.
- Loan application for auto loans, mortgages, and leases without paying the bills.
- Change address on the mailing address on file for your existing credit cards and use them, without paying the bills.
- Build debt on your behalf and file for bankruptcy.
- Establish services on phone or wireless service with the charges forwarded to you.
- Provide your name to police during an arrest.
- Create false forms of identification with your information and their photos.
What To Do
Contact Service Credit Union at 800.936.7730 (U.S.) or 00800.4728.2000 (Int’l) to report any suspicious activity. The representatives there will connect you with the fraud department and get a recovery advocate assigned to assist you.
Visit the Federal Trade Commission’s identity theft website, www.consumer.gov/idtheft for more detailed information.
Contact one of the three major credit bureaus to place a fraud alert on your credit report.
Trans Union: 800.888.4213
The Federal Trade Commission and the Department of Defense have created the Military Sentinel for military members and their families to submit a fraud or identity theft complaint. This information is shared with law enforcement including civil, criminal, and military to help prosecute and shut down scammers, spot fraud, and alert the military community about the latest scams.