Stop Identity Theft

Identity theft occurs when someone steals your personal information and assumes your identity in order to run up credit cards, charges, and debt against your name.  It could take months or even years to learn you are a victim.

Identity theft can make it difficult to obtain loans, affordable insurance rates, and even jobs.  And even worse it can take years of diligence to clear it from your credit record.

We at Point Loma Credit Union consider identity theft a serious threat and enforce strict controls to help eliminate it.  But total security is possible only with your diligence.

You can insure yourself against losses due to identity theft.  Point Loma credit Union has partnered with Identity Fraud Inc., to provide PLCU members with affordable protection against identity theft.  You may consider a variety of identity related solutions to protect yourself and your business against identity crimes and data theft.

6 Steps to Keeping Your Good Name:

Secure Your Mail - Identity thieves often raid mailboxes to obtain credit card offers and financial statements.

Guard Your PIN - Like all passwords, your Personal Identification Number or PIN is valuable.  It is the key that enables someone to access your account, so guard it closely.

Destroy Unused Financial Solicitations - Shred financial solicitations and other documents, such as statements or receipts, before discarding them.

Contact the Credit Reporting Companies Annually - Maintaining good credit record is important, so review your credit report regularly to ensure accuracy of your credit information.

Report Lost or Stolen Checks Immediately - With blank checks, thieves can wipe out your account in the matter of a few hours.  Store your checks in a safe and secure place and examine new checks to be sure none were stolen during shipment.

Do Not Give Out Personal Information - Guarding your personal information is often the last line of defense in identity theft.  Unless you have initiated the contact, never give anyone over the telephone or the Internet your account number, social security number, or other personal information.  Identity thieves could pose as officials, Internet providers, or credit card companies.