When you're writing checks to pay your credit card accounts, do not put the complete account number on the "for" line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.
Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks.
HERE ARE THE PHONE NUMBERS FOR THE 3 NATIONAL CREDIT REPORTING ORGANIZATIONS AND THE SOCIAL SECURITY FRAUD LINE.
Here are some websites to report ID theft
http://www.ftc.gov/ (Federal Trade Commission)
www.usps.com/postalinspectors/ (mail fraud)
www.ssa.gov (social security number fraud)
www.ic3.gov/ (internet fraud)
www.fraud.org (fake check fraud)
Don't forget to keep your social security number in a safe place, and any papers or bank statements with account numbers and or personal information on them should be shredded. It is very important NOT to give people access to your information.
One of our members had received a suspicious email from a company claiming to be the Iowa Credit Union League, stating that they "had to lock the member's account because they have reasons to believe that it has been compromised ..." The email also contains a link for the member to click on to "confirm their identity by completing a secure form..." Please DELETE the message and DO NOT respond to these e-mails because it's an Internet scam known as Phishing.
Instead of utilizing the internet as a tool to trick web users, scam artists have now turned to the phone. With this scam, internet users don't have to be linked to a different website anymore, but are urged to call the phone number given in the email to enter their information. In some cases, people might receive unsolicited phone calls and information could be compromised that way also. The fraudsters are identifying themselves as calling from the credit union. The automated calling system is asking the members to enter their account number, expiration date and CVV2/CVC2 codes.
NOTE: It's always a good idea to use the phone number on the back of the bank card or credit card if you are asked to verify or inquire about your personal account information.
The purpose of phishing is to steal your identity. Phishers are scam artists who use mass emails pretending to be a trusted organization like Tradesmen Community Credit Union (TCCU) to ask for your personal information. Usually, the email will contain a link to another website that might look like a legitimate website where you are asked to verify or update your information such as DebitCard number, PIN number, Account number, etc...TCCU will NEVER email or call you to obtain for your personal information. We already have that information on file.
Uses text messages on cellular phones to bait receivers into providing secured information
This is an email-spoofing attempt that targets a person by name, seeking to gain confidential data. As with the email messages used in regular phishing, spear phishing messages appear to come from a trusted source.