PROTECTING YOUR IDENTITY
As we continue to rely on credit in our everyday lives, protecting your personal information has never been more important. Due to the threat Identity Theft poses to your day to day life, it is important that you the consumer remain vigilant. Credit Union of Ohio is here to help with a few tips and resources. Click here for a printable PDF.
Monitor Your Accounts
Monitor your financial accounts on a regular basis. Credit Union of Ohio offers Online Banking as well as a Mobile App to help you keep tabs on your account balances and recent transactions. You can also call us and receive the information over the phone through Phone Banking.
Review Your Credit Report
Visit annualcreditreport.com to learn about your consumer rights. Federal law requires each of the three credit bureaus - Equifax, Experian, and TransUnion - to give you a free credit report every 12 months. While reviewing your report, keep an eye out for any unfamiliar accounts and check your payment history and balances. If anything looks out of place, you can dispute errors immediately.
Plastic Card Alerts
Credit Union of Ohio offers VISA Purchase Alerts, as well as text and email alerts, on your accounts. Registering for these services will alert you of any suspicious purchases that may have occurred using your credit or debit card. Be sure to check with your card service provider and ask if they have similar safety features.
Email and Phone Scams
If there seems to be something wrong with an email or phone call you’ve received, or you’re receiving an offer that’s “too good to be true,” chances are it’s a scam. Remember that most places will never ask for your personal information over the phone or through email.
Opt out of prescreened offers to eliminate receiving them in the mail by visiting optoutprescreen.com. Some of those mailings can be used by criminals to sign up for credit using your name.
Shred, Shred, Shred!
Shred any documents and mail you have that are no longer needed and may contain personal information such as bills, receipts, tax information, credit card offers, insurance information, and financial statements. Documents you still want to keep should be kept in a secure location.
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