Identity theft occurs when someone uses your bank account number, Social Security number, credit card, or other personal information to commit fraud or other criminal acts. Months can go by before the theft has been discovered.
If you answered 'yes' or 'I'm not sure' to the question, there are steps you need to take:
Step 1: Notify law enforcement. Identity theft is a crime. A Police Report may be needed for some of the following steps. Be sure to get a copy of the report as proof of the crime.
Step 2: Contact the fraud department of any of the three major credit bureaus to place a fraud aleart on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or changing information on existing accounts. The first credit bureau you contact is required to notify the other two bureaus after confirmng your fraud alert.
Step 3: Contact Heart of Louisiana Credit Union and any other financial institutions with whom you have a financial relationship.
Step 4: File an online report with the Federal Trade Commission (FTC).
877-438-4338 (TTY) 866-653-4261
Helping Harvey Victims without Getting Scammed (published 9/1/17)
Beware of Inheritance Scams (published 7/21/2017)
Beware of Fake Checks (published 7/13/17)
Check Your Online Presence for Identity Theft (published 6/28/2017)
Safety in Online Gaming (published 6/20/2017)
ATM Fraud On The Rise: Staying Safe While Getting Cash (published 6/15/2017)
Protecting Your Identity While On Vacation (published 6/5/2017)