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 In today's digital age, fraud protection is more important than ever. With identity theft and cybercrime on the rise, it's crucial to be proactive in safeguarding your personal information.

Here are some tips to help you prevent, detect, and resolve fraud.

Prevention

1. Protect Personal Information: Never share sensitive personal information via phone, text message, or email.
2. Avoid Suspicious Links: Avoid clicking on links or attachments in emails or text messages from unknown senders. These could be phishing attempts.
3. Use Secure Passwords: Use a password safe to generate and store secure passwords. Never use the same password across multiple accounts.
4. Freeze Credit Reports: Consider placing a freeze on all three credit reports. This prevents others from opening accounts in your name, and it’s easy to unfreeze your account when needed.
   1. Visit the TransUnion website or call (800) 680-7289.
   2. Visit the Experian website or call (888) 397-3742.
   3. Visit the Equifax website or call (800) 525-6285.

Detection

1. Set Up Alerts: Monitor your accounts closely by setting up alerts, and quickly report any unrecognized transactions. United’s Digital Banking offers customizable notifications to alert you to suspicious activity.
2. Monitor Data Breaches: Keep an eye on data breaches mentioned in the news. If you’re impacted, change your password(s) immediately.

Resolution

If you are ever the victim of identity theft or your information has been compromised, take these steps:

1. Report Identity Theft: Visit identitytheft.gov to report identity theft and get a recovery plan.
2. File a Police Report: Notify the police that you are a victim of identity theft.
3. Check for Malware: Get your compromised device reviewed for viruses and malware.
4. Update Passwords: Update your email password, review for unauthorized access, and turn on two-factor authentication. Also, update your online banking username and password.
5. Secure Your Accounts: Work with United Federal Credit Union on next steps to ensure your accounts are secured. For more ways to protect yourself, visit United Federal Credit Union's Security Page.

Bottom Line

By following these steps, you can significantly reduce the risk of fraud and protect your personal information. For additional protection, consider enrolling in LifeLock. United members can receive a discount. Stay vigilant and proactive to keep your data safe!