Identity theft can happen to anyone. If you suspect your identity has been stolen, these six steps can help you get back on track.
1. Report it to the credit union immediately
Contact Civic immediately – and no later than 60 days from the date the statement containing the transaction was transmitted. Good news: You are not responsible for any online fraud originating from Civic if it occurred through no fault of your own.
2. Contact the three major credit bureaus
Contact the major credit bureaus to issue a fraud alert on your credit file. Once the alerts are activated, your creditors will contact you before new accounts are opened in your name.
- Equifax: 800-525-6285
- Experian: 888-397-3742
- TransUnion: 800-680-7289
🚨 After notifying the credit union of a fraudulent transaction, you may be asked to file a police report or other necessary documents. Keep a copy of the police report for creditors and others who require proof of identity theft. The credit union can guide you through the process!
3. Protect your devices
Once the dust has settled, be sure any device you use to access financial data is protected by a firewall, anti-virus and/or other anti-malware security software.
4. File a complaint
File a complaint with the Federal Trade Commission (FTC) at IdentityTheft.gov.
5. Close compromised accounts
Close all accounts you suspect or know have been compromised.
6. Change your passwords
Change your account passwords for accounts that cannot be closed. And be sure you’re using unique passwords for each account. Civic is here to help you, even when someone has stolen your identity, and maybe even some of your money.
