Identity Theft Prevention Tips
What do identity thieves want?
Identity thieves want personal information, such as your social security number, credit card numbers, passwords, and mother's maiden name. They usually get their information from you. Unfortunately, it's not easy to spot thieves in action.
How do they get it?
- Internet-Fraudulent but official-looking e-mails or pop-up windows that ask you to update information or enter a contest.
- Mail-Theft from your mailbox or trash.
- Phone Calls to "verify" information.
- ATMs and point-of-sale keypads-Someone could be watching over your shoulder.
How does Lassen County Federal Credit Union Protect Your Account Information?
- Lassen County Federal Credit Union will never call or email you asking for your account information. When you call the credit union, you will be asked questions to verify your identity.
- Our VISA credit and ATM check card are monitored for suspicious or unusual activity.
Call Lassen County Federal Credit Union to if your contact information changes, if you plan to travel overseas, or if you intend to use your card in a way that is unusual for you.
How to protect yourself?
- Identity thieves are not always strangers! You can do a lot to protect yourself by keeping your personal information private. Don't give out your passwords or personal identification numbers (PINs); never write them down and leave them in plain view. Additionally:
- Regularly monitor your accounts using online banking or by phone
- Change your online banking password periodically and do not give it to others
- Consider putting a password on your account to be used when calling Lassen County Federal Credit Union
- Memorize the PIN for your Lassen County Federal Credit Union VISA ATM debit card. Never write your PIN on your card, carry it in your wallet, or file it in an obvious place.
- Check your credit report at least once a year. Log on to www.annualcreditreport.com or call (877) 322 8228 to order your annual free credit report.
- Review your credit card and account statements as soon as you receive them to watch for any charges or withdrawals you did not make.
- Shred account statements, bills, pre-approved credit offers, and other documents with personal information before you throw them in the trash.
- Avoid emailing personal and financial information.
- Instead of clicking on links in an e-mail you receive, call the company or log on to the company's web site directly.
- Install and regularly update firewall, anti-spyware, and anti-virus software on your computer.
- Sign up for Verified by Visa, an added safeguard when you use your Lassen County Federal Credit Union Visa ATM check or credit card for online shopping.
What To Do if Your Identity is Stolen?
If you believe your identity has been compromised or if there are unauthorized transactions on any of your Lassen County Federal Credit Union accounts, do not hesitate contact the credit union Member Service Representative immediately.
You can download helpful publications and find out more about identity theft by using the following links:
* Secure sockets layer (SSL) is a protocol developed by Netscape for transmitting private documents via the Internet. SSL incorporates a cryptographic system that uses two keys to encrypt data-a public key known to everyone, and a private or secret key known only to the recipient of the message.