your best efforts to manage the flow of your personal information or
to keep it to yourself, skilled identity thieves may use a variety
of methods to gain access to your date. They obtain information in a
variety of ways, including:
records or information from businesses or other institutions
while on the job
may steal your mail, including bank and credit card statements,
credit card offers, new checks, and tax information.
may rummage through your trash at businesses, or public trash
dumps in a practice know as "dumpster diving"
may get your credit reports by abusing their employer's
authorized access to them, or by posing as a landlord, employer,
or someone else who may have a legal right to access your
may steal your wallet or purse
may complete a "change of address form" to divert your
mail to another location
may steal personal information they find in your home
may steal personal information from you through email or phone
by posing as legitimate companies and claiming that you have a
problem with your account. This practice is know as "phishing"
online, or pretexting by phone.
can help protect your identity and fight identity theft, here's how:
provide your personal information in response to an unsolicited
request. Whether itís over the phone or Internet, donít
do it. If you donít initiate the communication, you should not
provide any information. Marine Credit Union will never
call or email to request your personal information.
your safety, never click on or follow a link in an email. Many
times fraudulent emails will link you to websites that are
constructed to appear very similar or identical to the company's
actual website. Never click on or follow these links! Never
provide personal information by following a link in an
unsolicited email. Start by typing in a company's web address,
that you know or have verified, and follow the links from there.
Links may also contain viruses that could contaminate your
not be intimidated by an e-mail or caller who suggest dire
consequences if you do not immediately provide or verify
you believe the contact may be legitimate, contact the financial
institution yourself. The key is that you should
initiate contact, using contact information that you know and
have verified, including websites, email addresses and phone
numbers. Go to the company's website by typing in the site
address directly or using a page you have previously book
marked, instead of a link provided in the email. Or, call the
provide passwords or PINs over the phone or in response to an
unsolicited Internet request. A financial institution,
including Marine Credit Union, will never ask you to verify
this information by phone or through an email link.
your account statements regularly to ensure accuracy.
If your account statement is late in arriving, call
to find out why. At
Marine Credit Union you can also utilize our Home Banking serve
to periodically review your account activity online.
you fall victim.
fall victim to an attack, act immediately to protect yourself. Alert
your credit union and other financial institutions of the situation
immediately. If you have disclosed sensitive information in a
phishing attack, you should also contact one of the three major
credit bureaus and discuss whether you need to place a fraud alert
on your credit files, which will help prevent thieves from opening a
new account in your name. Monitor your credit files and account
statements closely. The following is contact information for each
credit bureau's fraud division:
all suspicious contacts to the Federal Trade Commission through the
Internet at www.consumer.gov/idtheft,
or by calling 1-877-IDTHEFT.
provided by the National Credit Union Administration, for more
information visit www.ncua.gov;
Federal Trade Commission for more information visit www.consumer.gov/idtheft.