Proactive Protection from Identity Theft
What is identity theft?
Identity theft is defined as the process of using someone else’s personal information for personal gain. Identity theft can happen to anyone, and it can come in all shapes and sizes. According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year. Your credit card digits could be stolen and used to make online purchases; a thief could impersonate you to open a loan in your name; a felon could commit a crime and pretend to be you when caught; or someone could use your personal information to apply for a job.
To learn more about the growing problem of identity theft, and to learn how to protect yourself against its devastating effects, click here. You’ll also have access to discounted identity theft detection and recovery tools.
How can we help?
As a member of Financial Partners Credit Union, you are able to add this essential service package directly to your checking account for just $3 a month. Call 800.950.7328 or visit one of our locations to add this great benefit. The service package includes:
- Fully Managed Research, Remediation and Recovery Services
- Lost Document Replacement Services
- One (1) Bureau Credit Monitoring
- Education on Identity Theft / Fraud
- Monthly Identity Theft Newsletter
If your identity theft event affects a family member, these benefits extend to cover three generations of your family. Eligible family members include:
- Spouse or domestic partner
- Dependents under age 25 with the same permanent address — even if they are in college or the military
- Parents with the same permanent address — living at home or in elder care (nursing home, assisted living, hospice, etc)
- All covered family members with benefits extended up to 12 months after death
We want to add additional value to our relationship with you, so we have arranged for professional identity theft research and recovery benefits to extend beyond accounts with us to cover all types of identity theft — including both financial and non-financial fraud. These include, but are not limited to:
- Medical fraud
- Bank and credit card fraud
- Government documents and benefits fraud
- Employment fraud
- Phone and utilities fraud
- And many more
Fully Managed Identity Recovery — How It Works
Once these benefits have been added to your account, if you suspect identity theft, or your personal information becomes compromisedas a result of a lost purse or wallet, a break-in, lost laptop or data breach, or other event, we can help. Simply contact Financial Partners Credit Union, and a representative will verify your information and securely submit your case to a Personal Recovery Advocate, who will contact you directly by phone within 24 hours.
This trained and certified Recovery Advocate will work with you to place fraud alerts at the three major credit bureaus; help you access services to watch for signs of identity theft; and access your credit reports and conduct a threat assessment to determine if any identity theft has occurred.
If you are victimized by identity theft, your Advocate will work on your behalf to restore your identity. Your Advocate will:
- Work with you to identify fraudulent activity, including credit report review (if appropriate) and conduct additional research to determine the extent of the fraud.
- Place fraud alerts with the three major credit bureaus.
- Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
- Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
- Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of official documentation of your identity.
- Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
- Follow up to make sure wrongful activity is reversed and removed from your records.
- Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.
- Enlist other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
- Provide 12 months of follow-up after your recovery is complete — to be sure you stay recovered!
Have You Been Submitted for Recovery Services?
If you have been submitted for identity recovery services, you may check on the status of your case by clicking here.
Have You Lost an Important Document?
If you have an important document that has been lost, stolen or destroyed, we can help! By having these benefits added onto your account, all you would need to do is contact Financial Partners Credit Unionfor full accessto the Lost Document Replacement services. Call Financial Partners Credit Union and we will refer you to a professional Recovery Advocate who will work on your behalf to replace your missing documents.