Fraud is a method to obtain money or property from an individual through deceptive statements or acts. There are many types of fraud.
If you think you are the victim of fraud, you should report your concerns to an Alaska USA member service representative and your local FBI office. Provide as much information as possible about the perpetrators, including printouts of emails, and details of phone conversations.
People from all age groups, backgrounds, and income levels can be the target of a scam - there is no one thing that makes a person likely to be a target. Following some very simple guidelines can go a long way toward protecting your finances and private information.
Identity theft is not a new problem, but it is a growing one. As more and more of our personal information is stored digitally, it pays to be extra vigilant in protecting your electronic data as much as your paper information – prevention is the best way to stop identity thieves.
A credit freeze will totally “lock” your credit – no one will be able to access your credit file without you unfreezing the file first. To place a credit freeze, contact each of the nationwide credit reporting agencies:
You’ll supply them your name, address, date of birth, Social Security number, and other personal information they’ll need to authenticate your identity.
After receiving your freeze request, each credit reporting company will send you a confirmation letter containing a unique PIN or password. Keep the PIN or password in a safe place. You will need it if you choose to lift the freeze.
A fraud alert will allow institutions to pull your credit, but they will receive a notice requiring that they call you to verify before proceeding. To place a fraud alert contact Equifax, Experian, or TransUnion and provide them the same information you would if you were reporting a credit freeze. A fraud alert is free to place but only remains on your file for 90 days. You will provide a contact number that financial institutions will call when presented with new account and loan requests. After 90 days, you can call and renew the alert.
Remember – even though your personal information may be compromised, it provides criminals no value if you take measures to adequately protect yourself!
Financial exploitation – the illegal use of a vulnerable adult’s finances – is one of the fastest growing crimes in the United States. Unfortunately, this crime is most often perpetrated by a family member or trusted friend of the victim.
At Alaska USA, the security of your account information is a top priority. Learn how the credit union is diligently protecting all member accounts and what you can do to protect yourself from fraud, identity theft, and phishing.
Request a yearly credit report at AnnualCreditReport.com