Identity Theft Checklist

If you are a victim of identity theft, the following checklist will help you organize the steps to take to protect yourself and your good name.

  • Report the crime to the police immediately and obtain a copy of the police report.
  • Call all of your credit card issuers and request replacement cards with new account numbers.  Follow-up in writing, which protects you in case of a dispute. Monitor your mail and credit card bills for evidence of fraudulent activity.
  • Notify Achieva Credit Union and other financial institutions of the theft.  Cancel your checking and savings accounts and obtain new account numbers.  Obtain new Achieva CheckCards. Do not use old passwords or PIN numbers and avoid the use of last four digits of your Social Security number or date of birth.
  • Monitor your account statement closely as you may be liable if fraudulent activity isn't reported quickly.  If you suspect identity theft, call the fraud units of the three credit reporting companies:
    • Equifax (800) 525-6285
    • Experian (800) 397-3742
    • Trans Union (800) 680-7289
  • Ask that your accounts be flagged with a fraud alert and a victim's statement be added to your report.  As a victim of identity theft, you are entitled to a FREE credit report.
  • If checks are stolen or if new accounts have been set up fraudulently, report this to the check security companies in your area:
    • Chex Systems (800) 428-96233
    • Scan (800) 262-7771
    • Checkrite (800) 766-2748
    • Equifax (800) 473-5120
    • International Check Services (800) 631-9656
    • National Check Processing Co. (800) 526-5380
    • Telecheck (800) 710-9898
  • In extreme cases, you may want to contact the local office of Social Security Administration to have your Social Security number changed.  Be sure to notify all credit grantors, bureaus, and financial institutions of this change. Order a copy of your Personal Earnings & Benefits statement at (800) 722-1213 in case a thief is using your Social Security number for employment purposes.
  • Notify the Postal Inspector if you suspect mail theft and alert your mail carrier.
  • Call your telephone, electrical, and other utility companies.  Alert them to the possibility that someone may attempt to establish new services using your identification.  You may need to cancel long distance calling cards.
  • Contact the Department of Motor Vehicles if your driver's license number has been compromised and/or used as identification on bad checks.

All of the suggestions, tips and guidance provided in the above section are for informational purposes only.  They are general guidelines provided to assist fraud victims in understanding some of the steps they may take to help protect their personal and financial interests.  The suggestions are not all-inclusive and should not be considered nor interpreted as legal, accounting, financial or technical advice.  You may wish to consult your attorney, accountant or other advisor for specific advice, guidance or recommendations concerning this topic.