MCU’s Tips for Recognizing Identity Theft
If you’re not concerned about being at risk for identity theft, it’s time to think again. According to a recent study conducted by the Harris Poll, nearly 60 million American have been affected by identity theft. And as consumers become more sophisticated about protecting themselves, criminals have learned to adapt.
Once stolen, an identity thief can use your personal information to empty your bank accounts, make purchases online, use your medical insurance and open new credit card and utility accounts. While consumers are exposed to a lot of great information about the steps they should take to protect themselves against identity theft, it’s equally important to know the signs that you’ve become a victim. This will help you to take the necessary steps as soon as possible.
Your security is important to MCU and your other financial institutions. As we continue to monitor your accounts for fraud, you should keep an eye out as well. According to the Federal Trade Commission, key warning signs of identity theft include:
- • Unexplained withdrawals from your bank account
- • Missing bills or other pieces of sensitive mail
- • Bounced checks
- • Calls from debt collectors about debts that aren’t yours
- • Unfamiliar accounts or charges on your credit report.
- • Medical bills for services you didn’t use
- • Your health plan rejects a legitimate medical claim because the records show you’ve reached your benefits limit
- • A health plan won’t cover you because your medical records show a condition you don’t have
- • The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you don’t work for
- • You get a notice that your information was compromised by a data breach at a company where you do business or have an account
If you notice any of these warning signs and believe that you’ve been affected by identity theft, learn more about the steps you can take here.