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Keeping Your Information Safe

SMCU is committed to safeguarding our members' financial interests and information. We urge members to be cautious about disclosing personal information and account numbers over the phone or Internet unless the company or person being communicated with is known and trusted. SMCU does not ever send text, instant or e-mail messages asking members to disclose account numbers. A SMCU representative will never ask for your Personal Identification Number (PIN). It's just another way that we protect your privacy and identity. If you suspect fraud on your SMCU account, please contact Direct Assist immediately at (650) 363-1725.

ID Theft

Every year over 10 million Americans have their identity stolen and on average lose $1,820 to $14,340 each. In addition, each victim spends $851 to $1,378 in expenses related to their case. With the right tools you can protect yourself against ID thieves who are looking for a quick buck. It's quick and easy to do but can save you a lot of time and money in the long run.

Simply doing things like shredding important information before throwing it away, not entering information on Web sites you don't trust and checking your financial statements and credit report for suspicious activity can go a long way in protecting yourself.

Please see the articles below for more information on how to protect your identity.

Tips to Help Prevent Identity Theft
Interactive Guide on Protecting Your Identity
Review Your Credit Report

If you do find yourself a victim of ID theft contact the three major credit bureaus immediately at
Credit Reports Fraud Unit
Experian: 888-397-3742 888-397-3742
Equifax: 800-685-1111 800-525-6285
TransUnion: 800-888-4213 800-680-7289

Other resources you may be interested in are:

  • ID Theft Center. Think your identity has been compromised? Is so, visit idtheftcenter.org immediately to learn more about the next steps you should take.
  • Social Security Statement. If it appears someone is using your SSN, call the Social Security Administration at 800-772-1213 to check your Social Security Statement.
  • FTC. The Federal Trade Commission provides a national resource for ID theft.
  • FTC Brochure. Get a free copy of Take Charge: Fighting Back Against Identity Theft.

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