Federal Trade Commission Recommendations
- Check your credit reports from Equifax, Experian, and TransUnion –for free – by visiting annualcreditreport.com. Accounts or activity that you don’t recognize could indicate identity theft. Visit IdentityTheft.gov to find out what to do.
- Consider placing a credit freeze on your file. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.
- Monitor your existing credit card and bank accounts closely for charges you don’t recognize.
If you decide against a credit freeze, consider placing a fraud alert on your file. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.
- File your taxes early – as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.
Ways to Protect Your Accounts
- Closely monitor your account activity by reviewing your statements, using online banking or the mobile app and immediately report any fraudulent/ unauthorized transactions.
- Update user names and passwords often and use a combination of letters, numbers and special characters.
- Set credit and debit card usage notifications.
- Download the CardNav app on your mobile device. This app allows you to see debit card transactions and shut the card off at the first sign of unauthorized transactions.