Let’s protect your identity and money. Take these immediate steps and find follow-up actions to report frauds, scams, or potential crimes.
Call us to report any suspicious activity(800) 359-2265
Identity theft can include someone stealing your personal information — like your Social Security number or financial details — or accessing your bank or email accounts. With that information, they can take your money, order things with your debit cards and/or your credit cards, open new accounts, apply for new credit cards, or sign up for new lines of credit under your identity, your spouse’s identity, or even your kids’.
When something like this happens, you feel victimized and scared. Use these steps to take back control.
Report the activity to us
If you think you’ve been the victim of a scam or identity theft or your cards, wallet or phone are lost or stolen, reach out to us immediately. If you spot unauthorized activity – transactions, personal information changing, or new accounts opening – call us immediately. We can put a hold on your account and issue new debit or credit cards with a new number and cancel the lost or stolen cards.
Call us at (800) 359-2265 to report suspicious or fraudulent activity.
Review your credit and accounts
If you think you’ve been the victim of a scam or attempted scam, review your current accounts and credit for unauthorized activity. If you note suspicious activity, be sure to document the dates, times, account numbers, and transactions or details of the activity.
You can get a free credit report three times a year from annualcreditreport.com. We suggest obtaining one from each bureau every four months so that you can review throughout the year.
Freeze your credit and set up alerts
Be sure to put a security freeze on your credit with all four credit bureaus. That freeze means no new loans or services can be opened in your name without your consent.
Don’t forget: You will receive a PIN
Save in a password manager and one other place so you can access the PIN to unfreeze your credit later.
Don’t worry: It is easy to unfreeze your credit
If you want to open a new line of credit, buy a new car, or refinance your home loan, you can lift the freeze by contacting each of the credit bureaus.
You can also request a fraud alert on your credit reports, which signals to anyone pulling your credit that fraud may have occurred.
Report the activity to law enforcement and other agencies
Report attempted and successful scams, theft, or identity theft to your local police. You can share the details of the information you gathered in Step 3 or gleaned from reviewing your credit reports. File a police report if fraud or identity theft occurred, and share a copy of that report with the credit bureaus if required.
The federal government also provides resources from the Federal Trade Commission (FTC):
Credit bureau fraud alerts don’t stop fraud from happening, they only let you know when it’s already happened.
If you’ve been the victim of fraud, identity theft, or a scam – or you want to be proactive about preventing credit fraud, here are three things you can do.
Place a freeze on your credit Freezing your credit does not affect your credit score and, again, it is easy to unfreeze if you want to down the line.
Sign up for myFICO to monitor your credit report MyFICO is a service that shows your FICO scores, credit reports and alerts. There are free and paid plans.
Get your free credit report You are entitled to receive one free credit report from each of the three nationwide bureaus every year. Visit annualcreditreport.com to get started.
Spot fraud & scams
Stop cyber criminals in their tracks and help prevent hacks, scams, and fraud.
