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3130 Rockefeller Ave
Everett, WA 98201
425-388-3481
 

Protect Yourself from Identity Theft

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More than 400,000 people have had their lives disrupted last year by a growing "white collar" crime known as Identity Theft, according to the Privacy Rights Clearinghouse. You may have read the article recently in a local newspaper of the woman whose identification was used to secure loans and open accounts. Identity Theft occurs when someone steals your personal information and poses as you, running up charges, wiping out your accounts. It could take months or sometimes even years to discover you are a victim. For example you could be denied a loan for a mortgage or car … based on a credit report that erroneously indicates that you don't pay your bills. At SnoCope, we take this potential threat very seriously. If you fall victim to losing your purse or wallet, we will assist you in closing your account and reopening with a new account number. But total security is only possible with your help.

Here are some steps you can take to help prevent identity theft:
  • Do not give out personal information, such as account numbers or credit card numbers over the phone unless you have initiated the call. Only deal with established companies. Remember: If someone calls you posing as your financial institution (such as your credit union) requesting information they should already have, they shouldn't need to request it over the phone!

    • Report lost or stolen checks immediately.
      Examine new checks to make sure none
      were stolen during shipping, and store
      them in a safe location.

    • Destroy unused financial solicitations
      before discarding them, as well as other
      financial documents, statements and
      receipts.

    • Guard your PIN for your ATM card and
       do not leave your receipt when using an
       ATM.

    • Make sure your mailbox is secure and
       promptly remove mail when it has been
       delivered. Do not leave outgoing mail in
       a mailbox that has road access.

    • Contact the major credit reporting
       companies annually to review your file.
      A copy of your report is available for a
      small fee. The three major credit bureaus
      are:

           • Equifax: 800-685-1111
           • Experian: 888-397-3742
           • TransUnion: 800-916-8800

If you have been a victim of identity theft, or know someone who has, take these steps immediately:

• Contact your credit union to
   protect your accounts

• Contact your credit and debit
   card suppliers

• Contact the Social Security Fraud
   Hotline: 800-269-0271

• Contact the FTC Identity Theft
   Hotline:
   877-IDTHEFT (877-438-4338)