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FRAUD PREVENTION

Fraud Prevention / Security
At 1st Cooperative Federal Credit Union, our members' privacy and account security is a priority. It's important to us that you receive information to help prevent something like identity theft from happening to you. We are committed to educating our members on fraud and a variety of additional security topics in an effort to protect you and your account information.

1st Cooperative Federal Credit Union will never contact you by email, mail, or phone asking for confidential information. We already have this information. Do not respond to any suspicious correspondence. If you suspect that you have received suspicious information, please contact us 803-796-0234.

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Deter
Identity Theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.

What you can do:

  • Shred financial documents and paperwork with personal information before you discard them
  • Protect your Social Security number
    • Don’t carry your S.S. card in your wallet
    • Don’t write your S.S.N. on a check
    • Give it out only if absolutely necessary, or ask to use another form of identification
  • Never click on links sent in unsolicited e-mails
    • Type in a web address you are familiar with
    • Use firewalls, anti-spyware, and anti-virus software on your home computer - and keep them up to date!
  • Don’t use obvious passwords, like your birthday, mother’s maiden name, or last 4 digits of your S.S.N.
  • Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house

Detect
Be alert to signs that require immediate attention:

  • Bills that do not arrive as expected
  • Unexpected credit card or account statements
  • Denials of credit for no apparent reason
  • Calls or letters about purchases you did not make

Inspect:

  • Your credit report. Credit reports contain information about you including what accounts you have and your bill-paying history
    • The law requires the major nationwide consumer reporting companies (Equifax, Experian, and TransUnion) to give you a free copy of your credit report each year if you ask for it
    • Visit www.AnnualCreditReport.com or call 1.877.322.8228, a service created by these 3 companies, to order your free credit reports each year.
    • Your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make.
    • Or, you can write:
      Annual Credit Report Request Service
      P.O. Box 105281
      Atlanta, GA 30348-5281

Defend

  • Place a “Fraud Alert” on your credit reports and review the reports carefully. This alert tells creditors to follow special procedures before they open new accounts in your name, or make changes to your existing accounts. The 3 nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert. A call to 1 company is adequate:
    Equifax: 1.800.525.6285
    Experian: 1.800.EXPERIAN (397.3742)
    TransUnion: 1.800.680.7289

Placing a Fraud Alert entitles you to a free copy of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain. 

  • Close accounts. Close all accounts that have been tampered with or established fraudulently.
  • File a police Report. File a report with law enforcement officials to help you with creditors who may want proof of the crime.
  • Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.
    • Online: ftc.gov/idtheft
    • By phone: 1-877-438-4338
    • By mail: Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC 20580

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1st Cooperative Federal Credit Union
808 Knox Abbott Drive | Cayce, SC 29033
803.796.0234 | Fax 803.926.3177
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