OUR SECURITY MEASURES
- We have adopted security measures to ensure the safety of your personal information. We are subject to regular governmental and professional audits of our security procedures and policies. The audits ensure our security measures are adhered to and operate as intended.
- We partner only with entities that follow strict information confidentiality procedures. Those businesses must also demonstrate a commitment to security of information by way of contractual commitments with us. There are no cases where any of these business partners are authorized to charge a fee to our members without his or her consent. We do not sell our member information to any telemarketing or other third party firm for their own use.
- We do not share non-public personal information about non-members who may use some of our services, such as our ATM machine.
- We do not share non-public personal information about those persons who are no longer our members, except where required by law.
- Although we may store these records for a period of time, we do not share information contained on applications or other documents about those persons for whom membership or other services were denied or credit not extended, except where required by law.
- We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees, members of the Board of Directors and Committee Members shall maintain confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and industry practices to safeguard your nonpublic personal information.
IMPORTANT IDENTITY THEFT INFORMATION
Identity Theft: What to Do if It Happens to You
The federal government offers an online resource to assist identity theft victims. You can visit the website IdentityTheft.gov for a step by step process to aid you with reporting and recovering from identity theft. This tool provides checklists and sample letters to guide you through the recovery process.
Unfortunately, at this time victims themselves are burdened with resolving the problem. You must act quickly and assertively to minimize the damage.
In dealing with the authorities and financial institutions, keep a log of all conversations, including dates, names, and phone numbers. Note time spent and any expenses incurred, in case you are able to request restitution in a later judgment or conviction against the thief. Confirm conversations in writing. Send correspondence by certified mail, return receipt requested. Keep copies of all letters and documents.
1. Credit Bureaus. - Immediately call the fraud units of the three credit reporting companies -- Experian (formerly TRW), Equifax and Trans Union. Report the theft of your credit cards or numbers and request a credit report (free to identity theft victims). Ask that your file be flagged with a fraud alert. Add a victim's statement to your report. ("My ID has been used to apply for credit fraudulently. Contact me at [your phone number] to verify all applications.") Ask how long the fraud alert is posted on your file, and how you can extend it if necessary.
Be aware that these measures may not entirely stop new fraudulent accounts from being opened by the imposter. Request a free copy of your credit report every few months so you can monitor any new fraudulent activity.
Ask the credit bureaus for names and phone numbers of credit grantors with whom fraudulent accounts have been opened. Ask the credit bureaus to remove inquiries that have been generated due to the fraudulent access. You may also ask the credit bureaus to notify those who have received your credit report in the last six months in order to alert them to the disputed and erroneous information (two years for employers). When you provide your police report to the credit bureaus, they must remove the fraudulent accounts from your credit report. (See #3 below)
2. Creditors. - Contact all creditors immediately with whom your name has been used fraudulently, by phone and in writing. You may be asked to fill out fraud affidavits. (No law requires these to be notarized at your own expense.) Get replacement cards with new account numbers for your own accounts that have been used fraudulently. Ask that old accounts be processed as "account closed at consumer's request" (better than "card lost or stolen" because it can be interpreted as blaming you.) Monitor your mail and bills for evidence of new fraudulent activity. Report it immediately to creditor grantors.
3. Law enforcement. - Report the crime to your local police or sheriff's department. You might also need to report it to police departments where the crime occurred. Give them as much documented evidence as possible. Make sure the police report lists the fraud accounts. Get a copy of the report. Keep the phone number of your investigator handy and give it to creditors and others who require verification of your case. Credit card companies and banks may require you to show the report in order to verify the crime. It is a violation of federal law (18 USC 1028) and the laws of many states to assume someone's identity for fraudulent purposes. Some police departments do not write reports on such crimes, so be persistent! Also, report to the FTC (see end).
4. Stolen checks. - If you have had checks stolen or bank/credit union accounts set up fraudulently, report it to the appropriate check verification companies (see next page). Put stop payments on any outstanding checks that you are unsure of. Cancel your checking and savings accounts and obtain new account numbers. Give the bank or credit union a secret password for your account (not mother's maiden name). If your own checks are rejected at stores where you shop, contact the check verification company that the merchant uses.
5. ATM cards. - If your ATM or debit card has been stolen or compromised, report it immediately. Get a new card, account number and password. Do not use your old password. When creating a password, do not use common numbers like the last four digits of your SSN or your birth date. Monitor your account statement. You may be liable if fraud is not reported quickly.
6. Fraudulent change of address. Notify the local Postal Inspector if you suspect an identity thief has filed a change of your address with the post office or has used the mail to commit fraud. (Call the U.S. Post Office to obtain the phone number). Find out where fraudulent credit cards were sent. Notify the local Postmaster for that address to forward all mail in your name to your own address. You may also need to talk with the mail carrier. www.usps.gov/websites/depart/inspect
7. Secret Service jurisdiction. - The Secret Service has jurisdiction over financial fraud but, based on U.S. Attorney guidelines, it usually does not investigate individual cases unless the dollar amount is high or you are one of many victims of a fraud ring. To interest the Secret Service in your case, you may want to ask the fraud department of the credit card companies, banks and/or credit unions as well as the police investigator, to notify the Secret Service agent they work with. https://www.treasury.gov/services/report-fwa/Pages/ReportFWA.aspx
8. Social Security Number (SSN) misuse. - Call Social Security Administration to report fraudulent use of your SSN. As a last resort, you might want to try to change your number, although we do not recommend it except for the most serious cases. The SSA will only change the number if you fit their fraud victim criteria. Also, order a copy of your Personal Earnings and Benefits Statement and check it for accuracy. The thief might be using your SSN for employment purposes. www.ssa.gov
9. Passports. - Whether you have a passport or not, write the passport office to alert them to anyone ordering a passport fraudulently. http://www.travel.state.gov/passport/passport_1738.html
10. Phone service. - If your long distance calling card has been stolen or there are fraudulent charges on the bill, cancel the account and open a new one. Provide a password that must be used any time the account is changed.
11. Driver's license number misuse. - You may need to change your driver's license number if someone is using yours as ID on bad checks or for other types of fraud. Call the state office of the Department of Motor Vehicles (DMV) to see if another license was issued in your name. Put a fraud alert on your license. Go to your local DMV to request a new number. Fill out the DMV's complaint form to begin the investigation process. Send supporting documents with the completed form to the nearest DMV investigation office. www.aamva.org
12. Victim statements. - If the imposter is apprehended by law enforcement and stands trial, write a victim impact letter to the judge handling the case. Contact the victim-witness assistance program in your area for further information on how to make your voice heard in the legal proceedings.
13. False civil and criminal judgments. Sometimes victims of identity theft are wrongfully accused of crimes committed by the imposter. If a civil judgment is entered in your name for your imposter's actions, contact the court where the judgment was entered and report that you are a victim of identity theft. If you are wrongfully arrested or prosecuted for criminal charges, contact the police department and the court in the jurisdiction of the arrest. Also, contact the state Department of Justice and the FBI. Ask how to clear your name.
14. Legal help. - You may want to consult an attorney to determine legal action to take against creditors and/or credit bureaus if they are not cooperative in removing fraudulent entries from your credit report or if negligence is a factor. Call the local Bar Association or Legal Aid office to find an attorney who specializes in consumer law, the Fair Credit Reporting Act and the Fair Credit Billing Act.
15. Dealing with emotional stress. - Psychological counseling may help you deal with the stress and anxiety commonly experienced by victims. Know that you are not alone. Contact the Identity Theft Resource Center for information on how to network with other victims. www.idtheftcenter.org
16. Making change. - Write to your state and federal legislators. Demand stronger privacy protection and prevention efforts by creditors and credit bureaus.
17. Don't give in. - Do not pay any bill or portion of a bill that is a result of identity theft. Do not cover any checks that were written and/or cashed fraudulently. Do not file for bankruptcy. Your credit rating should not be permanently affected, and no legal action should be taken against you. If any merchant, financial institution or collection agency suggests otherwise, simply restate your willingness to cooperate, but don't allow yourself to be coerced into paying fraudulent bills. Report such attempts to government regulators immediately.
Credit Reporting Bureaus
P.O. Box 105069, Atlanta, GA 30348.
Report fraud: Call (800) 525-6285 and write to address above.
Order credit report: (800) 685-1111.
Experian (formerly TRW)
P.O. Box 9532, Allen, TX 75013.
Report fraud: Call (888) EXPERIAN (888-397-3742) and write to address above.
Order credit report: (888)-EXPERIAN.
P.O. Box 6790, Fullerton, CA 92834.
Report fraud: (800) 680-7289 and write to address above.
Order credit report: (800)-888-4213.
To opt out of pre-approved offers of credit for all three bureaus, call (888)-5OPTOUT. You may choose a two-year opt-out period or permanent opt-out status.
Remember, you are entitled to a free credit report if you are a victim of identity theft, if you have been denied credit, if you receive welfare benefits, or if you are unemployed.
Social Security Administration
Report fraud: (800) 269-0271.
Order Earnings & Benefits Statement: (800) 772-1213.
To remove your name from mail and phone lists
Direct Marketing Association www.the-dma.org
- Mail Preference Service, P.O. Box 9008, Farmingdale, NY 11735.
- Telephone Preference Service, P.O. Box 9014, Farmingdale, NY 11735.
To report fraudulent use of your checks
- CheckRite: (800)-766-2748
- Chexsystems: (800)-428-9623
- CrossCheck: (800)-843-0760
- Equifax: (800)-437-5120
- International Check Services: (800)-526-5380
- SCAN: (800)-262-7771
- TeleCheck: (800)-710-9898
Other useful resources
Federal Trade Commission (FTC).
The FTC offers help to victims.
File your case with the FTC Consumer Response Center, 1-877-IDTHEFT.
Privacy Rights Clearinghouse (PRC)
3100 - 5th Ave., Suite B, San Diego, CA 92103.
Phone: (619) 298-3396.
Identity Theft Resource Center
Lists local victim support groups.
FBI Internet Fraud Complaint Center
U.S. Dept. Of Justice
Identity Theft Information
Identity Theft Survival Kit