ValleyStar Members: Protect Yourself from Identity Theft! Identity theft occurs when someone steals your personal information, such as your account and/or social security number. There are numerous fraudulent ways this information can be used – ways that could damage your financial credibility for years to come. ValleyStar Credit Union considers identity theft a serious threat. We continuously monitor our security procedures to protect your account information with the Credit Union. But, total security is possible only through you.
Steps to Prevent Identity Theft
- Never give personal information to anyone over the phone (voice or text) or Internet unless you initiate the contact. Always confirm the validity of requests for any personal information requested of you. Call the company directly with the phone number listed on your account/billing statement.
- Make sure the security features on your computer, web browser, etc. are up-to-date. If you conduct any business over the Internet, it would be wise to invest in a firewall and good security software.
- Keep backup records of all your financial transactions and statements.
- Destroy/shred any unused financial solicitations, statements, or receipts before discarding them.
- Report any lost or stolen checks and/or credit cards immediately.
- Never give out your Debit/ATM PIN and treat your receipts with care.
- Get a copy of your credit report at least once a year.
If you ever become a victim of Identity Theft, take the following action steps immediately:
- Contact us and any other financial institution you use to protect your accounts.
- Contact your debit/credit card suppliers.
- Contact the Social Security Fraud hotline at (800) 269-0271.
- Contact the FTC Identity Theft Hotline at (877) 438-4338.
- Contact the credit bureaus and have them flag your accounts with a “fraud alert” and add a “victim’s statement” to your file requesting that creditors contact you before opening new accounts in your name.