Fraud Prevention Center
5 Proactive Identity Theft Prevention Tips
- DO NOT provide your full Social Security number unless it is deemed necessary such as a new application for credit.
- Carry only what you need on you such as a debit card and an ID. If you’re only going to the grocery store, it is not necessary to take all your credit cards and Social Security number with you.
- Shred all incoming documents with personal and financial information on them. This will lower the chance you will become a victim of dumpster diving. Dumpster diving occurs when fraudsters dig through trash to gather personal information such as addresses, credit card and bank account numbers and use them as they please.
- Each year you can obtain a free copy of your credit report from the 3 major credit bureaus to verify your current credit accounts and loans you have opened to ensure that any loans or credit accounts have not been obtained fraudulently using your identity. Visit www.annualcreditreport.com to get your free report.
What should I do if I’m a victim of Identity Theft?
- Notify your local law enforcement agency immediately and file a report with them.
- Contact the Social Security fraud hotline: 800-269-0271.
- Notify all financial institutions you conduct business with so your accounts can be flagged to warn you of unusual or suspicious activity.
- Contact the three main credit bureaus to put an identity theft alert on your credit report so that financial institutions and lenders will proceed with caution before a new credit account is opened using your Social Security number.
Equifax Fraud Unit: 800-525-6285
Experian Fraud Unit: 888-397-3742
TransUnion Fraud Unit: 877-438-4338
Know the Difference: Identity Theft vs. Identity Fraud
Identity Theft: Identity theft is when a fraudster/thief/person takes over your personal and financial information to obtain credit or open bank accounts fraudulently. Personal information used to obtained credit or bank accounts include name, Social Security number, date of birth etc. This is often not caught immediately. This is usually discovered when new credit is applied for or creditors/collectors attempt to call or mail you collection letters. If not handled properly and quickly this could affect your credit report and credit score.
Identity Fraud: Identity fraud is usually limited attempts to steal funds from an existing bank account or through a credit/debit card transaction. An example of identity fraud is when a thief impersonates you at your financial institution attempting to cash a stolen check or withdraw money from your bank account. This usually does not affect your credit report or credit score if reported in a timely manner.
Member Account Verification
The Audit Committee of CAMPUS USA Credit Union has requested that our external auditors, OCM & Co. (A DoerenMayhew Firm) examine a sampling of member accounts for verification with the September 2016 statement balances. You may receive a request from OCM & Co (A DoerenMayhew Firm) to compare your account balance to the statement balance included in the verification letter. Please verify and report any discrepancies to our external auditors. Their address will be provided along with their request. This verification is a routine audit CAMPUS has performed periodically on the members’ behalf.
Thank you in advance for your participation and for helping us to ensure you receive the best value in your membership.