Five Steps to Take Immediately If Your Identity Has Been Stolen

Being a victim of identity theft can be one of the most stressful and devastating experiences a person can have. Luckily, you can immediately stop identity theft in its tracks by following the five steps below:

1. Request copies of your credit report

  • You can request free annual copies of your credit reports from the three main credit bureaus (TransUnion, Equifax and Experian) by going to AnnualCreditReport.com.
  • Verify all identifying information such as your name, address and phone numbers. Contact your creditors to update any false information.
  • Look for any recent unauthorized inquiries from financial institutions or creditors.
  • Are there any accounts or loans you don’t recognize? They could be fraudulent. Take note of what institution the loan is financed with and call them to place flags on the accounts.

2. Place alerts on your credit reports

Call any of the main credit bureaus and ask them to place a credit alert on your credit files to alert creditors of fraudulent activity. Be sure to ask the bureaus which type of alert best suits your needs and confirm that they will notify the other credit bureaus.

3. Call your financial institution(s)

Contact your financial institution(s) as soon as possible to alert them that your identity has been compromised. Review your accounts and report any suspicious activity to them immediately.

4. File a police and FTC report

  • Contact your local police department and file a police report for identity theft. Keep a copy of the report for your records.
  • File an ID theft report with the Federal Trade Commission by going to www.ftc.gov/idtheft or by calling 1-877-438-4338.

5. Help prevent future fraud and enroll in MemberSafe®!

MemberSafe offers RBFCU members security and peace of mind. For a small fee, MemberSafe provides identity protection for you, joint account holders and eligible family members.* To enroll through your Online Banking account, navigate to “View Services,” then click “MemberSafe” under the “Settings” header to make your coverage selection. RBFCU will provide an access code to register your information online. You can also enroll by visiting one of our branches or contacting our Member Service Center at 210-945-3300. For more information about MemberSafe, click here.

MemberSafe service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. Service is not available to a “signer” on the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students. Personal Internet & Identity Coverage Master Policy issued to Econ-O-Check Association underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. Services and benefits for cellular telephone coverage are insured under a policy from Plateau Casualty Insurance Company, 2701 North Main Street, Crossville, TN. The description herein are summaries only and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual benefits for terms, conditions, and exclusions of coverage. Registration/activation required. Cellular telephone bill must be paid using your RBFCU Checking, Savings or Credit Card account. Coverage for all claims or losses depends on the actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations. Insurance products are not deposits; not NCUA insured; not an obligation of Randolph-Brooks Federal Credit Union (RBFCU); and not guaranteed by RBFCU or any affiliated entity.