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ID Theft Protection

ID theft is one of America’s fastest growing crimes!

The best way to avoid ID theft is to educate yourself about the types of ID fraud and prevention measures. Identity fraud is when someone uses your name, social security number or other piece of personal information without your permission or knowledge. Thieves generally use this information to fraudulently purchase items. Here’s what you can do to help prevent this from happening to you!

Fraud Prevention Tips:

  • Do not provide personal information to business or individuals, unless you know them personally.
  • Do not keep personal identification numbers (PINs) written down somewhere that could fall into wrong hands.
  • Use secure postal service collection boxes to mail in your bill payments (or better yet, use password protected services such as Online Bill Payment).
  • Report lost or stolen checks or credit cards immediately. Advia will secure a block on future payments.
  • Shred financial solicitations, old bills and statements that may include personal account information.
  • If bills or replacements credit/debit cards do not arrive in the mail on a timely basis, contact your providing company or financial institution immediately to confirm mail dates.
  • Review bills and statements carefully to check for questionable transactions.

Review your Credit Report

The Fair and Accurate Credit Transaction Act (FACT Act) was enacted to help reduce identify theft. A key provision of this act is that all consumers are allowed a free copy of their credit report annually. For additional information about obtaining your free credit report, visit www.annualcreditreport.com or call toll-free 1-877-322-8228 today.

Additional provisions include the National Fraud Alert System, where if you reasonably suspect that you have become a victim of identity theft, you can place an alert on your credit file to alert potential future creditors to proceed with caution.


Common Scams:

  • Phishing - Thieves attempt to get personal information by luring victims to a replica webpage or email that resembles a real webpage.
  • Spamming - An email is sent to a large list of recipients. These emails sometimes contain viruses or spyware and may also be a tool for phishing scams.
  • Pharming - The victim is redirected to an illegitimate website instead of the one the victim wants.
  • Vishing - A type of phishing done over the phone. The victim is asked to call a phone number or visit a website and enter sensitive information.
  • Dumpster-Diving - The old-fashioned (yet still used) method where thieves sift through garbage or open a mail box to find old documents or receipts that contain sensitive information.

New scams are constantly being invented to trick you into giving out your information. Please keep in mind that Advia Credit Union will never request personal information in the form of an email. Never reply to an email asking for sensitive account information.