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 proactive identity fraud detection and recovery benefits. Click here to see package options and to subscribe.
Identity theft occurs when someone uses your personal information without your knowledge to commit fraud or other crimes for their own financial gain. In many cases, the victim is unaware of the activity. The effect of identity theft can be costly to you in terms of time and money. The identity thieves can use your personal information to fraudulently apply for loans, file taxes or to obtain medical services.
How It Happens
Thieves use a variety of illegal techniques to obtain identity information. They may:
- Steal statements or other mail containing personal information from your mailbox.
- Divert your mail to another location by filling out a change of address form.
- Search through the trash or recycling bin for documents containing financial or personal information.
- Steal your wallet or electronic device.
- Hack into your computer or the computer of a company that does business with you.
- Access the information you enter online or send by email.
- Pose as a legitimate company or government agency and request personal information via phone, email, or text message.
- Attach a skimmer to an ATM to capture the card number and PIN. This method will gain the information on your card: Your Name, Card Number and Zip Code. Once a criminal has this information they can use to it to gain more information to commit crimes.
What To Do
If you suspect that you are a victim of identity theft, contact Service Credit Union at 800.936.7730 (U.S.) or 00800.4728.2000 (Int’l). The representatives there will connect you with the Fraud Department who will assist you in protecting your identity and your account.
Visit the Federal Trade Commission’s identity theft website, ftc.gov/idtheft for more detailed information and to report identity theft.
Contact one of the three major credit bureaus to place a fraud alert on your credit report.
Trans Union: 800.680.7289
Also, contact us to learn about the free identity protection services that are part of your membership with Service!