Chances are it has already happened to someone you know. The FBI has stated that Identity Theft is one of the fastest
growing crimes in the United States. Identity Theft occurs when one person's identification (which can include name,
social security number, or any account number) is used or transferred by another person for unlawful activities.
Educate yourself on the ways people get access to your personal information and know what to do if it happens to
As an educational financial institution, South Florida Educational Federal Credit Union wants you to understand identity theft. The National Credit Union Administration (NCUA) has released a two part video to help you recognize and avoid cyber fraud. If you feel you are a victim of fraud, please contact your Credit Union immediately.
Here is an excellent training program from the Federal Government to help you learn about Identity Theft, Phishing, etc.
Victims of Identity Theft
- Learn about various ways to protect your family at http://onguardonline.gov
- Here's an excellent site with offers that ‘just sound too good to be true’ http://www.lookstoogoodtobetrue.com/
Identity Theft Prevention
- Report lost or stolen checks, VISA® Credit Card, VISA® Debit Card or ATM Card
- Place a Fraud Alert on your file with all three credit bureaus:
- File an Identity Theft Affidavit with the Federal Trade Commission
- Free Confidential Counseling (VISA® partnered with Call For Action to service victims of identity theft)
- Federal Trade Commission - How Not to Get Hooked by a 'Phishing' Scam
- Internal Revenue Service Identity Protection resources
Telephone assistance for Individuals who believe they may be a victim of Identity Theft: Toll-free 1-800-908-4490 (Automated and live assistance).
- Department of Motor Vehicles Identity Theft Info page
- Federal Reserve Bank of Atlanta has also created a special brochure and video to help you
- BalanceTrack Program - Identity Theft assistance is available to our members through the BalanceTrack program. Members who contact the Credit Union regarding Identity Theft should be encouraged to visit the BalanceTrack website or call Balance at 888-456-2227. Balance offers identity theft information and recovery assistance at no charge to Credit Union members.
Credit Card Fraud
- FTC's Identity Theft - http://www.idtheft.gov/
- Florida Residents may call 877-322-8228 to order a Free Credit Report or order online at http://www.annualcreditreport.com. Further details and options can be found on the FAQ's page of their website
- To opt out of most pre-approved credit card offers go to https://www.optoutprescreen.com or call 888-5OPT-OUT
- Register with the National Do Not Call Registry (www.donotcall.gov or 888-382-1222) if you do not want to receive telemarketing calls at home. New scams are detected daily
- Review your credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is more than a couple of days late, call the Credit Union to confirm your billing address and account balances
- Florida law allows you to place a freeze on your credit records.
- US Dept of Treasury Identity Theft Resources
If at any time unusual activity is detected on your South Florida Educational VISA credit card, JHA Payment Processing Solutions will contact you, the card holder, to determine if the activity was fraudulent. Please note that sometimes these calls are made using an automated system. If you (the card holder) are unavailable, a message will be left, whenever possible, for you to call 800-411-8498 to verify recent card activity. Responding to these phone calls in a timely manner can prevent your card from being suspended while the Credit Union researches the validity of your transactions.
Visa Security Sense
Visa has a whole website dedicated to help cardholders and small businesses protect card account information and avoid payment card scams. The site named Visa Security Sense
, provides cardholders tips with practical know-how for protecting account information and resolving unauthorized card use.
Highlights of the website include:
"Visa's site is intended to empower cardholders with information to prevent fraud, avoid deceptive marketing practices and learn about important protections and resources available to them." - Jennifer Fischer, Head of U.S. Payment System Risk, Visa, Inc.
To report any email scams to the Credit Union send an email to