Identity Theft

If you feel you have been a victim of identity theft, protect yourself by following the four steps below:

  1. Place a fraud alert on your credit reports and review your credit report.
    • Contact one credit reporting company.
      • Ask the company to put a fraud alert on your credit file.
      • Confirm that the company you call will contact the other 2 companies.
      • Placing a fraud alert is free. The initial fraud alert stays on your credit report for 90 days.
      • Be sure the credit reporting companies have your current contact information so they can get in touch with you.
    • Update your files.
      • The credit reporting company will explain that you can get a free credit report, and other rights you have.
    • Mark your calendar.
      • The initial fraud alert stays on your report for 90 days. You can renew it after 90 days.
    • Update your files.
      • Record the dates you made calls or sent letters.
      • Keep copies of letters in your files.
  2. Close accounts you believe have been tampered with or opened fraudulently.
  3. File a police report locally or where the identity theft took place.
  4. File a complaint with the Federal Trade Commission (FTC) ftc.gov/idtheft or call 1-877-ID-THEFT (438-4338).

Resources:

Protect Your Firstmark Credit Union VISA®
Register for a Verified by VISA®

IDTheft911
IDT911

Free Credit Report (annually):
annualcreditreport.com

Credit Reporting Companies

Equifax
(800) 525-6285
P.O. Box 740241
Atlanta, GA 30374-0241

Experian
(888) 397-3742
P.O. Box 9532
Allen, TX 75013

TransUnion
(800) 680-7289
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790