Identity & Privacy Protection
You work hard to protect your good name and credit. Unfortunately identity theft is becoming more and more common which means you need to be extra careful with your information.
Below are some strategies and further information on how to keep from becoming an identity theft victim.
What is Identity Theft?
Identity theft is when someone uses your name, social or other identifying information without your permission. With a scam, the individuals are attempting to gain your personal information from you to later commit identity theft. There are many different ways in which they attempt this.
How Do ID Thieves Get Your Information Or Scam You
- Spammers send unsolicited emails to huge mailing lists, and these may contain viruses or hackers, and even advertisements.
- Spoofers and phishers create a replica of an existing web page to fool us into submitting personal, financial or password data. Visit phishinginfo.org for more information.
- Pharming is where you are redirected to an illegitimate website instead of the website you want.
- Vishing is short for voice phishing. In this scam consumers receive a phone call or email directing them to call a phone number and they are directed to verify sensitive information.
- Old fashioned dumpster diving for your personal information is still in use, and thieves also continue to steal mail from your mailbox.
- New scams crop up daily. They use social engineering techniques on everyone to attempt to con us into opening messages and entering our information.
Castparts Employees Federal Credit Union will not send you emails saying we need you to update your information to keep your account or debit / credit cards from being blocked. Never reply to an email from a link sent to you by email. If you receive an email, and you think it may be legitimate and want to ensure services are not stopped, call us or email us from the phone number you usually use.
What To Do If You’re The Victim Of Identity Theft.
How do I request a "fraud alert" be placed on my file? You have the right to ask that nationwide consumer credit reporting companies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft.
A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer credit reporting companies.
As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
Visit Balance to learn more about identity protection and fraud.