Fraud Checklist

The Credit Union is sorry to hear that you were the victim of fraud. Every situation is different. Below are some recommendations as you recover the security of your account and/or identity. Please ask a Member Advocate if you are not sure which steps may apply to you.

If your account number was lost, stolen, or an unauthorized check cleared your account:

Obtain a new account number at any of our branches or by contacting us at 800-444-4816
Complete a dispute as directed in your Membership & Account Agreement
Place a code word on your new account
Update direct deposit information for employers, retirement, investments, etc.
Update account information for recurring payments
Register your new account for Online Banking (either use a password vault or keep passwords written down in a locked drawer NOT near the computer)
Order a new book of checks
Bring in all check books, cards, and unneeded documents from old account to be securely destroyed
Regularly check your account statements for accuracy
Remember to never keep your account number in your wallet, purse, or car

If your Digital Banking login credentials were used by another person:

Obtain a new account number at any of our branches or by contacting us at 800-444-4816
Place a code word on your new account
Update direct deposit information for employers, retirement, investments, etc.
Update account information for recurring payments
Register your new account in Digital Banking
Order a new book of checks
Bring in all check books, cards, and unneeded documents from old account to be securely destroyed
If the source of the credential breach is unknown, have your computer scanned for viruses first and then change passwords on all home banking, email and shopping accounts. (either use a password vault or keep passwords written down in a locked drawer NOT near the computer)
Remember never to disclose your username or password to anyone for any reason

If your social security number was lost, stolen, or used by another person:

Dispute any unauthorized Credit Union of Colorado accounts or transactions by contacting us at 800-444-4816
Place a code word on your account
Contact us at any of our branches or 800-444-4816 to place an identity theft red flag on your account
Visit identitytheft.gov for resources on identity theft, freezing your credit report, and steps to take with the three different Credit Bureaus to dispute any unauthorized entries. Disputes may require further action.
Place a Fraud Alert and/or credit freeze on your credit report with each of the three major credit bureaus, TransUnion, Equifax, and Experian.
- What is a fraud alert? A fraud alert is an extra notice that is added to your credit reports that alerts lenders and creditors that you may have been a victim of fraud or identity theft. Lenders and creditors then take extra steps to verify your identity before opening new accounts or extending credit in your name. When a fraud alert is placed with one of the three bureaus, that bureau will send your request to the other two.
- What is a credit freeze? A credit freeze helps to restrict access to your credit report. After a credit freeze is placed, you will need to temporarily or permanently lift the freeze to allow credit checks by lenders or creditors. Placing, lifting, and removing the freeze is free. There are some exceptions to who can continue to view your credit report when a freeze is in place, examples of which can be reviewed on each bureau’s website.
  TransUnion
  TransUnion Fraud Victim Assistance Department
  P.O. Box 2000
  Chester, PA 19016
  800-916-8800
  
  Equifax
  Equifax Information Services LLC
  P.O. Box 105788
  Atlanta, GA, 30348-5788
  888-298-0045
  
  Experian
  Experian Security Freeze
  P.O. Box 9554
  Allen, TX 75013
  888-397-3742
Regularly check your credit report and account statements
Pull your credit report yearly:
- Phone: 1-844-322-8228
  Online: www.annualcreditreport.com
File a police report if desired or if you are instructed to do so during a dispute process
If the source of the identity breach is unknown, have your computer scanned for viruses first and then change passwords on all home banking, email and shopping accounts. (either use a password vault or keep passwords written down in a locked drawer NOT near the computer)
Remember never to keep your social security number in your wallet, purse, or car

Fraud Checklist

If your Debit or Credit Card was used for a fraudulent charge:

If your account number was lost, stolen, or an unauthorized check cleared your account:

If you are a victim of unemployment fraud please click the link below for a full list of instructions on what to do.

Credit Union of Colorado Foundation