For Your SafetyBelow are critical tips to prevent and respond to the theft of your personal financial information.
What to do if your Wallet is Missing
Cancel your credit cards. Report any missing debit cards as well. Emergency phone numbers should appear on your financial statements. To report a lost Wakota DEBIT card, call 1-800-535-8440. To report a lost CREDIT card, call 1-800-558-3424.
File a police report. This must be done in the jurisdiction where your things were stolen.
Call the three national credit reporting bureaus. They’ll red-flag your name and Social Security number. The bureaus to contact are:
Trans Union: 1-800-680-7289.
If your social security number was stolen, contact the Social Security Administration fraud line at 1-800-269-0271.
Take Advantage of Free Credit Reports
Even if you have never been a victim of identity theft, you can still get one free annual copy of your credit report from the three major credit bureaus. To learn more, go to www.annualcreditreport.com or call toll free 877-322-8228. [external link disclosure]
Caution: Misspelling this site or using another site with similar words will take you to a site that will try to sell you something or collect your personal information. This is the only service that allows you access to free credit reports with no strings attached.
Identity Theft and Online Scams
If you’re ever unsure about the validity of a financial request, here are some things to keep in mind:
Get It In Writing
Email, text, and phone scams are abound these days because there’s virtually no cost to send out thousands of electronic messages or automated phone calls.
Mailing letters is expensive and requires knowledge of your name and address — things most scammers don’t have. So if you’re unsure about a message, ask to “get it in writing.”
A Clear Head Is Your Best Defense
Most scammers play on your emotions with a urgent tone in their message. You wouldn’t normally release private financial data to a stranger, but when your account access is threatened or easy money is promised, people frequently fall prey and react before they think. Don’t be a victim; keep your cool!
– Never give private financial information out over the phone unless YOU initiate the phone call.
– NEVER give out your PIN number for any reason; hang up immediately if asked for this information.
– If you believe you have been a victim of a scam, immediately contact your credit union.