Protect what matters most, your identity and your peace of mind. Identity theft can happen to anyone, but with the right tools, awareness, and support, you can minimize your risk and respond quickly if something goes wrong.
What is Identity Theft?
Identity theft happens when someone uses your personal information, such as your Social Security number, bank account details, or credit card info, without permission. This can lead to fraudulent charges, damaged credit, and long-term financial stress.
Stay a Step Ahead: Prevention Tips.
- Protect Personal Info. Never share your Social Security number, PINs, or account info over the phone or online unless you initiated the contact and trust the source.
- Watch for Phishing Scams. Be cautious of emails or texts asking for sensitive information. Metro Plus CU will never ask for your full account number or password via email or text.
- Use Strong, Unique Passwords. Use a password manager to keep logins safe and updated across all your financial accounts.
- Shred Sensitive Documents. Bank statements, pre-approved credit offers, and anything with personal details should be shredded, not just tossed.
- Check Credit Reports Regularly. You can get a free report from each of the three credit bureaus every 12 months. Visit annualcreditreport.com to request yours.
Warning Signs of Identity Theft. If you notice any of these signs, it’s important to act quickly.
- Unexpected withdrawals or transactions
- Bills for accounts you didn’t open
- Denials of credit for no clear reason
- IRS notifications of unreported income
What To Do if You’re a Victim
- Report the fraud to the Federal Trade Commission at identitytheft.gov.
- Place a fraud alert with one of the three credit bureaus.
- Contact your financial institutions, including Metro Plus CU, to freeze or close affected accounts.
- File a police report to support your case with creditors.
We’ve Got Your Back. Always. You’re not alone when it comes to protecting your identity. If something ever seems off, or if you fall victim to identity theft, we’re here to help you every step of the way. Simply stop by, or give us a call at (859) 258-3990.