Protecting Yourself From Identity Theft

Identity theft occurs when someone uses your personal information—name, Social Security number, credit card numbers—without your permission. It can damage your credit, drain your accounts, and take months to resolve. Prevention is your best defense.

Safeguard Your Personal Information

• Shred documents containing personal or financial information before discarding them.
• Don't carry your Social Security card in your wallet.
• Be cautious about sharing personal information on social media—birthdates, addresses, and pet names are commonly used in security questions.
• Use a locked mailbox or a P.O. box to prevent mail theft.

Secure Your Digital Life

• Use strong, unique passwords for every account. Consider a password manager.
• Enable two-factor authentication on all financial accounts.
• Keep your devices' operating systems and apps updated.
• Avoid using public Wi-Fi for banking or shopping. Use a VPN if you must.
• Review app permissions and only grant access that's necessary.

Monitor Your Accounts and Credit

• Check your bank and credit card statements weekly.
• Review your credit report from each bureau annually at AnnualCreditReport.com.
• Set up fraud alerts or a credit freeze if you suspect your information has been compromised.
• Enable transaction notifications through your credit union's mobile app.

Signs Your Identity May Be Stolen

• Unfamiliar accounts or charges on your credit report
• Bills or statements for accounts you didn't open
• Unexpected denials for credit applications
• IRS notices about income you didn't earn
• Missing mail or redirected mail

What to Do If It Happens

File a report at IdentityTheft.gov, contact all affected financial institutions, place a fraud alert or credit freeze with the three major bureaus, and file a police report. Document everything.

BrightStar Credit Union takes your security seriously. Contact us immediately at (954) 486-1344 if you notice any suspicious activity on your accounts.