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Protect your Financial Identity and Credit History

Sign up for Lighthouse Community Credit Union Online Banking.

Set up alerts that notify you of account transactions.

Contact us immediately if any transactions appear to be suspicious.

If you have credit cards or accounts with another financial institution, monitor those as well, and notify the provider if you detect suspicious activity.

Monitor your credit. Each of the three major credit reporting bureaus (Equifax, Experian, and TransUnion) offers a free annual report once a year. More information is available at or by calling 1-877-322-8228.

If you do not have upcoming large purchases, such as a home, consider placing a fraud alert or credit freeze on your credit reports. This can prevent criminals from obtaining credit in your name. This service is free, and you can do it yourself. More information can be found here.

If you have been the victim of a fraud, file a local police report. Then, file a short report with the Federal Trade Commission.

Consider setting up an IRS account. If you do so using your social security number, it will prevent criminals from establishing an account using your identity. You may also lock your social security number, which can be done here.

Keep your notes. The paper trail may become a useful resource should you face identity theft issues or inaccuracies in your credit report in the future.

We realize there are many steps to take; however, the more that local, state, and federal law enforcement agencies are aware of fraud reports, the more resources they will dedicate to pursue the perpetrators.

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