Fraud and ID Protection
Protecting your personal information is one of Energy Capital Credit Union's greatest concerns. We take numerous precautions and hope you are doing the same. We compiled information and tips from the Federal Trade Commission regarding ID theft we hope you'll use.
First, it's important to know how identity thieves get your personal information. The most common methods thieves use is:
- Obtaining information from businesses by stealing records or information while they're on the job, bribing or conning an employee who has access to these records, or hacking into the businesses records.
- Stealing your mail
- Rummaging through your trash or public trash dumps
- Abusing their employer's authorized access to credit reports
- Stealing debit or credit card numbers by capturing the numbers in a data storage device
- Stealing your wallet or purse
- Stealing information they find in your home
- Phishing for your information through email or phone
When it comes to identity theft, you can't control whether you will become a victim, but here are some steps you can take to minimize your risk:
- Set up passwords for your credit cards and financial accounts
- Secure personal information in your home, especially if you employ outside help or are having work done on your home
- Ask about information security procedures in your workplace, doctor's offices or other institutions that collect your personal identity information
- Don't give out your personal information on the phone, through the mail or online, unless you've initiated the contact, or are sure you know who you're dealing with
- Treat your mail and trash carefully
- Don't carry your Social Security card; keep it in a secure place, such as a safe deposit box
- Carry only the identification information and the credit and debit cards that you actually need when you go out
You can check your credit report once per year for FREE at www.annualcreditreport.com.
If your personal identity has been compromised, or for more information, visit www.ftc.gov/idtheft for more information.