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Identity Theft

Northern Colorado Credit Union wants you to hold onto your most valuable assets. Your identity and your money are important to you. The most recent data breach through Anthem means it's important to be diligent when it comes to your identity and the security of your money.

Identity theft happens when someone steals your personal information and uses it without your permission. It’s a serious crime that can wreak havoc with your finances, credit history, and reputation—and can take time, money, and patience to resolve.

Recent News about Anthem

FTC Article: Hack Attack: Health insurer’s customer information stolen

Wall Street Journal: Health Insurer Anthem Hit by Hackers

Warning from the BBB

Very good article from SOS -Stickley On Security

Here is some great information from the Federal Trade Commission about Identity Theft: Click Here

Steps you can take to protect yourselves:

  1. Accept credit monitoring services immediately.
  2. Call one of the credit bureaus and put a "Fraud Watch" on your SSN. You only need to call one because by law they are required to contact the other two to ensure they also set up a fraud watch on your behalf. It is free, but only lasts for 90 days, so set a reminder to have it refreshed.
  3. Get a free credit report every 4 months. Each credit bureau is required to provide a free credit report once a year. So stagger each of the three so you can spot any fraud. Visit annualcreditreport.com to get started.
  4. Watch for phishing scams—emails designed to look like they are from Anthem that attempt to get you to click on a link, download a file or enter login credentials. The criminals will attempt to deliver malware that can have a number of different affects. Online banking malware is growing faster than any other, and this helps a criminal gain access to your financial accounts.
  5. Watch for a noticeable increase in credit card offers. If someone attempts to get a credit card in your name, that information is picked up by all the credit card companies and they will send you offers.

NEVER give out sensitive information over the phone or email, especially with calls that you do not initiate yourself. Sensitive items can be your account number, debit card number, or social security number.

You can order a free credit report once every 12 months from each of the three major credit bureaus at www.annualcreditreport.com.

Did you know your NCCU debit card comes with FraudWatch Plus 24-hour protection?

Enroll in home banking and be able to check your account online 24/7.

Report a lost or stolen debit card/credit card.

For your added protection, you can keep transactions private with your online NCCU debit card purchases with MasterCard® Online SecureCode Registration. (What is MasterCard® Securecode?)
All of our credit cards have VISA® Fraud Prevention as well.

NEVER give out sensitive information over the phone or email, especially with calls that you do not initiate yourself. Sensitive items can be your account number, debit card number, or social security number.

There are also phishing scams that try and solicit sensitive information through an email or a website.

If you ever feel unsure, contact us directly and speak with someone personally about your account. We're happy to take the extra time to assure you your accounts are safe with us.

More Information

"IDENTITY Theft" (Federal Trade Commission)
FTC online complaint form
State of Colorado ID theft & fraud resources
ID theft repair kit

 

Financial Literacy - Be Smart About Your Money

Looking for a quality resource when it comes to managing your money? Here are some great resources that can help you navigate the finance world and make your money work harder for you.

SmartAboutMoney.org
10 basic steps to help you get started and get smart about your money
www.mymoney.gov

Regarding www.mymoney.gov: the Financial Literacy and Education Commission has developed a new national strategy to promote financial literacy and education. Going to college? Buying a home? Planning for retirement? Whether you're a Gen Y, parent, or even a retiree, this is a great place to brush up on your financial knowledge.