Sharing is nice.
But not when it’s your identity.
Identity theft occurs when someone uses your name, address, Social Security number (SSN), bank or credit card account number, or other identifying information without your knowledge to commit fraud or other crimes.
ID Theft Protection and Remediation Services
Trailhead believes in providing the resources you need to protect your financial future. So, we are pleased to offer identity fraud protection and remediation services for as little as $4.95 per month. The IDSafeChoice service includes the following protection and recovery services:
- Fully-Managed Identity Recovery. Dedicated certified Recovery Advocate will work on your behalf to restore your identity.
- Member Education. Dedicated website updated with the latest identity theft news, scams legal and regulatory updates, and prevention tips.
- Monthly Identity Theft Newsletter. A monthly newsletter with the latest news on identity theft and the latest scams
- Credential Vault. Securely store information for up to 50 credentials such as credit cards, checking accounts, savings accounts, personal loan information, passport, retirement accounts, and more!
- Lost Document Replacement. Guard against the unexpected loss of your critical information or documents commonly carried in your purse or wallet.
- Expense Reimbursement. Receive reimbursement on out of pocket expenses incurred by recovering your identity.
- Internet Surveillance. Proactive tool used to identify thieves trading your personal information in high risk areas of the internet, including black market and social networking sites.
Packages including credit report monitoring are also available. To learn more and enroll in the identity fraud protection and remedy service, please click here.
Ways to Prevent Identity Theft
Although no one is completely immune, you can take action to avoid having your identity stolen. The following are a few suggestions on how to best protect your name and your good credit:
Safeguard your personal information
- Carefully guard your personal information and be selective with whom you share it. Personal information includes such things as your name, address, phone number, driver’s license number, social security number, credit card numbers, birth date, and mother’s maiden name.
- Shred documents that contain your personal information and account numbers before you throw them away. This includes unsolicited credit card applications.
- Don’t print your driver’s license or social security number on your checks.
- Never give out personal information on the phone, through the mail or over the Internet unless you’ve initiated the contact or are sure you know who you’re dealing with.
- Secure personal information in your home, especially if you have roommates, employ outside help or are having service work done in your home.
- Keep a list or photocopies of all information you carry in your wallet or purse. Store this information in a secure location.
Follow strong password security protocols
- Use strong passwords which contain capital letters, numbers & special characters. It is more secure to pick a phrase of several random words put together to form a stronger password (ZebraRainbowFilbert). Only change it when you receive word of a breach or you have some reason to believe it has been discovered by someone else.
- Be mindful that your email address is the most important digital account you have since it often is used as a way to reset passwords for all sorts of other accounts. It is very important to have a strong & unique password in place on your email account to prevent fraudsters from resetting your other passwords that have access to your email account.
- Place passwords on your credit card, credit union, and phone accounts
Monitor your accounts
- Monitor your credit report by pulling one report a year for each of the three credit reporting agencies at annualcreditreport.com. Pull one in the spring, one in the summer, and one in the fall. That way you will be able to see if there are any unauthorized credit accounts or application. Then file disputes with each agency when/if you find any.
- Keep a close eye on the balances and transaction details of your accounts (Checking, Savings, Credit Card, etc) by reviewing your monthly statements and using Online and Mobile Banking. If you see a charge on your account you aren’t familiar with report any unauthorized transactions immediately.
- Pay attention to your billing cycles. Follow up with creditors if your bills don’t arrive on time. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks.
Keep your mail secure
- Deposit outgoing mail in post office collection boxes or at your local post office, rather than in an unsecured mailbox. Promptly remove mail from your mailbox. If you’re planning to be away from home and can’t pick up your mail, request a vacation hold from the Postal Service.
- When ordering new checks, pick them up at the Credit Union, rather than having them sent to your home mailbox.
- You can Use the Card On/Off feature on our Mobile Banking App to control when your card is active and inactive.
- In the case of fraud, while both Credit & Debit cards offer protections against fraudulent transactions, recovering from fraud on a Credit Card is much less burdensome than attempting to recover lost funds from a checking account.
Keep your Member info up-to-date
- Make sure your financial institution has your correct contact information. Update the Credit Union should your Phone #, email address or physical address change. Not only does this help prevent fraudsters from receiving information that does not belong to them it also helps the Credit Union reach the member in case of an emergency.
What to do if You Are a Victim of Identity Theft
If you suspect that your personal information has been used to commit fraud or theft, take the following steps right away:
- Contact the fraud departments of each of the three major credit bureaus below and tell them you have been a victim of identity theft. Ask them to place a “fraud alert” in your file, as well as a “victim statement.”
- Equifax – 1-800-525-6285
- Experian – 1-888-EXPERIAN (397-3742)
- TransUnion – 1-800-680-7289
- Contact Trailhead, any other financial institutions you use, and your creditors to protect your accounts and close them if necessary. You may want to report stolen checks to the following agencies:
- National Scan Check Fraud Service: 1-843-571-2143
- SCAN: 800-710-262-7771
- TeleCheck: 800-710-9898
- CrossCheck: 707-685-0551
- Equifax Check Systems: 800-437-5120
- International Check Services: 800-526-5380
- ChexSystems: 800-428-9623
- CheckRite: 800-766-2748
- Privacy Council: 202-829-3660
- File a report with your local police or the police in the community where the identity theft took place. Keep a copy of the report because you may need it to validate your claims to creditors.
- File a complaint with the FTC online at the FTC identity theft site or by calling 1-877-IDTHEFT (438-4388).
- Report stolen mail to your local postal inspector at 503-279-2060.
- Report your incident to the Social Security Fraud Hotline at 800-269-0271.