Financial Wellness and Identity Theft Protection

November 18, 2019

By Ashleigh, K-Staff

Fraud, Insighter, Security

Financial wellness—the ability to have a healthy financial life—hinges on budgeting, managing debts and making smart decisions for the long-term. Financial wellness allows you to handle medical bills, afford housing and transportation, and have access to the credit you need. Education and good habits go a long way toward being financially well!

But, in this technological age, there are many obstacles that can derail your financial wellness. A big one on that list? Identity theft.

In 2018, the Federal Trade Commission processed 1.4 million fraud reports totaling $1.48 billion in losses. The time and money a victim will spend trying to recover from identity theft is significant and can impact financial wellness. And the emotional toll that an identity theft can take could affect a victim’s job, relationships, and physical health. The growing prevalence of identity theft and fraud means that identity theft protection has to a be a part of the whole financial wellness package.

What YOU Can Do

Monitor your credit report regularly – Catching discrepancies early can limit losses. Your credit report is free to you. Download yours FREE at AnnualCreditReport.com and check for accounts or activity you don’t recognize.
Consider dark web monitoring – While dark-web monitoring doesn’t actually scan these sites for your information, it can help detect your information if it appears when stolen data is uploaded to sell. Learn more about the dark web now.
Practice good identity theft habits – Keeping your important information secret, setting strong, unique passwords, and staying aware of popular scams can help prevent you from falling victim to an identity thief. Learn more about how to keep your identity safe.

Extra Protection

Kirtland FCU partners with Identity Fraud, Inc. to offer a comprehensive suite of protection products that help minimize your risk of becoming a victim of identity theft. Services can include:

SSN Monitoring – to catch thieves using your social security number
Credit Monitoring – to identify unusual activity so you can take action
Credit Card Monitoring – scours chat rooms and online activity for your credit card information to identify potential fraud
DataSweep Monitoring – to identify your personal information online and alert you
Identity Insurance – should the worst happen, you’ll be covered
Lost Wallet Services – a 24/7 support team that helps you act quickly to limit your losses, maintain your good credit, and replace your lost or stolen cards
Keystroke Encryption Software – helps protect your identity by encrypting your keystrokes and hiding them from hackers, malware and key loggers intent on stealing your sensitive credentials while using the internet.
24/7 Unlimited Resolution & Prevention Assistance – Staff ready to assist you with fraud resolution, no matter what type or how you experience identity theft.

Cover yourself with these protective services, and more, for less than $3 a month!

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You need to know about credit union impersonation scams so you can avoid becoming a victim of these nefarious tactics.

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