How to Avoid Identity Theft?

1. Guard your personal information, just as you would cash.
2. Shred, cut or rip into small pieces, instead of using a trash can for:
   1. Statements listing a social security number, account number or balance
   2. Your signature or that of other family members
   3. Legal Documents
   4. Pre-approved credit offers
3. Be sure your mailbox is secured and remove mail promptly or consider using a Post Office box for a small fee.
4. Never give or release personal information by phone or over the internet unless you have initiated the contact. Be sure you know whom you're speaking to or doing business with.
5. Guard your ATM/Debit card number and PIN (personal identification number) with care and treat your receipts with the same kind of care.
6. Report any lost or stolen items such as: driver's license, ATM/Debit cards, checks &/or credit cards.
7. Obtain a credit report on yourself annually to review your file.

What to Do if You Are a Victim?
Do these three things immediately!

1. Contact the fraud department for the three major credit bureaus and report that your identity has been stolen. Ask that a "Fraud Alert" be placed on your file and that no new credit be granted without your approval. Listed below are the three major credit bureaus:
   1. Equifax: 800-685-1111
   2. Experian: 888-397-3742
   3. Trans Union: 800-916-8800
2. For all accounts that have been fraudulently accessed or opened, contact the security department of the appropriate creditors or financial institutions. Close these accounts. Put passwords (not your mother's maiden name) on any new accounts you open.
3. File a report with your local police or the place where the identity theft occurred. Get a copy of the report filed as your proof of the crime. In the event the bank, credit card company(s) or others require proof, you have a copy available.

Other areas that can provide you help.

4. Call the Identity Theft hotline at 1-877-438-4338 or go online to www.consumer.gov/idtheft to file your complaint.
5. Call the Social Security hotline at 800-269-0271 to report the Identity Theft and depending on your circumstances, an investigation may be opened.

Find out more about our Privacy of your Personal Information
Find out more about our Security of your Personal Information

Maintaining a Clean Credit Rating

In today's world of finance, it's important to have good clean credit. A clean credit report can be your best friend when applying for a loan or mortgage, applying for a job, or renting a house or an apartment. To maintain your good credit, follow these steps:

• Pay your bills on time.
• Avoid going over-limits on credit cards.
• Watch your debt-to-income ratio - your total monthly debt payments should not exceed 50% of your monthly net income.
• Avoid "pyramiding" debt - an example would be taking an advance on a credit card to make a payment on another credit card or loan.
• Maintain a good account relationship with your Credit Union and do not bounce checks. While this may not show up on your credit report, it can be reported to creditors who contact the Credit Union and inquire about your general credit history.
• Although creditors strive to report accurate information about you to credit bureaus, mistakes do occur. Financial experts suggest that you check your own credit report on a yearly basis and also before making a major purchase, such as a house.