Identity Protection

At Hudson Heritage Federal Credit Union, we make protecting your personal information a priority. Your information is always handled in a confidential manner in accordance with our Privacy Policy and our employees work hard to reduce and avert fraud.
 
What is Identity Theft? Identity theft occurs when someone uses your personal information, such as your Social Security Number, to commit fraud or other crimes. According to a survey released by the Federal Trade Commission in September 2003, 9.9 million Americans experienced identity theft during the past year, costing businesses and individuals $53 billion. Victims may spend years cleaning up the repercussions, suffering lost jobs and denied loans in the meantime.
 
Protect Yourself Become more defensive against fraud during everyday activities by following these simple prevention tips:
  • 5 Ways to Protect Your Checking Account
    From the Federal Reserve Board
  • Designate a password for your VISA® debit card with Verified by VISA®
  • Memorize Personal Identification Numbers (PINs). Don’t keep them in your wallet/purse, on your card, or in your checkbook.
  • Choose a PIN that is hard to guess. Don’t use personal identifying numbers, such as birthdays, phone numbers and Social Security Numbers.
  • Don’t leave your purse or wallet in your car.
  • Carry only the personal identification and credit cards you need. Store others in a secure location at home or in a safe deposit box.
  • Don’t carry your Social Security Card. Store it in a secure place.
  • Be wary of Internet or email hoaxes, spoofs and scams. If it sounds too good to be true, it probably is.
  • Check with the Better Business Bureau before doing business with unknown companies.
  • Follow safe ATM etiquette. Be alert; look for anything suspicious (tampered machine, overly helpful bystanders). Keep “shoulder surfers” from observing your PIN when you enter it.
  • Change your daily routine. Don’t be too predictable.
Online Shopping Protection Hudson Heritage participates in an online authentication system called Verified by VISA® . This program helps to protect your VISA® debit card from online fraud by enabling you to establish a password. Participating online merchants use your password for authentication at the time of purchase.

Register now:
Activate your password by registering online at the Verified by VISA® website. Register while you shop: If you have not already activated your debit card at the time of purchase, you will be prompted to do so before completing your purchase.
Reporting Identity Theft Unfortunately even the most careful precautions are not foolproof. If you believe you’re already a victim of identity theft, follow these easy steps to report the crime. You have the opportunity to prevent misuse of your personal information, if you detect it and take action quickly.  
 
Detecting Misconduct
  • Monitor your accounts. According to the FTC, 52% of identity fraud victims discovered they’re victims this way.
  • Follow up with companies if you receive bills for merchandise you did not purchase.
  • Follow up with businesses or institutions if you fail to receive an expected bill.
  • Request a copy of your credit report if applications for credit are turned down for no apparent reason.
Reporting Steps1. Contact the fraud departments at each of the three major credit bureaus to request a “Fraud Alert” on your file and order FREE copies of your credit report.

2. Contact the security departments at the financial institution where you hold accounts or loans that have experienced fraudulent activity.

3. File a report with your local police.

4. Complete an Identity Theft Affidavit, so you don’t become responsible for debts incurred by the identity thief.

5. File a complaint with the Federal Trade Commission, using their online form.



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