Help Guide for Members That Have Experienced Fraud

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What to do After Fraud

Screenshare/Access to Device/Downloaded Malicious Software/Clicked on a Link/Used Unsecure Website

• Have device factory reset or cleaned (checked for malware)
• Provide Receipt or Date/Time/Location
• New Online Banking credentials needed for new account
• Create a unique complex password

Identity Theft

• Call the Credit Bureaus (numbers below) to place a freeze on the credit reports.

Police Report

• Request report if funds were lost
• Provide full report to MCU

ACH

• Call or Visit companies with automatic withdrawals or deposits to update account information. Examples: Direct Deposit from Employer, Social Security Office, Retirement Funds, Bills, etc.

Debit Card

• Update Debit Card info for subscriptions (Hulu, Netflix, Auto Insurance, Loan Payments, etc.).

Review Statements

• Review statements from the last 60 days to identify unauthorized activity and to assist with Debit Card/ACH updates.

Freeze Credit with the 3 Credit Bureaus

Credit Bureau Contact

Contact the national credit bureaus to request fraud alerts, credit freezes also known as security freezes.

Equifax

• Phone Number: 800-685-1111

Experian

• Phone Number: 888-397-3742

TransUnion

• Phone Number: 888-909-8872