Prevention is the most critical element in avoiding fraud.

• Shred anything that contains your name, address or other sensitive data before discarding - including invoices, receipts, statements, personalized letters, catalogs and pre-approved credit offers. Use a cross-cut shredder for the best results.
• Protect your Social Security number! Do not carry your Social Security card in your wallet.
• Avoid carrying cards that display your Social Security number such as health insurance cards, unless needed to receive care.
• Use only trusted websites for online transactions. Do not provide credit card numbers or personal information on any website if you are not sure the site is authentic. Choose companies with secure transactions and strong privacy and security policies.
• Check your credit reports as frequently as possible - at least twice a year. Under the FACT Act, U.S. consumers are entitled to one free credit report each year from each of the three major credit bureaus.

Despite all efforts to prevent identity fraud, it can still occur. The earlier it is detected, however, the more swiftly we can help you take action to stop it. Be alert and take immediate action on the following:

• Bills that do not arrive as expected
• Unexpected credit cards or account statements
• Denials of credit for no apparent reason
• Calls or letters about purchases you didn't make

Correcting the fraudulent activity is the final step.

• Close any accounts that have been tampered with
• Contact our Member Service Center immediately if you suspect fraud
• Keep detailed records of the incident