ID Theft Service

Identity theft is one of the fastest-growing crimes in the United States. It can create problems with your credit, finances, employment and even personal assets! As the top complaint to the Federal Trade Commission, identity theft can happen to anyone—regardless of age, income, location and precaution.

If you are a victim of identity theft, the process of restoring your identity can be time-consuming and stressful. Some people even give up and face the years-long aftermath of fraudulent bills, damaged credit and criminal records. But don’t worry—with Nutmeg State Financial Credit Union, we’ll have you covered!

As a part of our efforts to combat identity theft, we introduced a program that will help fix the damage done if your identity is stolen. Our ID Theft Program protects Nutmeg members with timely identity restoration, up to $10,000 of expense coverage and more. Take a look at the benefits below.

Benefits:

  1. If your identity is stolen, contact us and we’ll assign a professional Recovery Advocate within one business day. They’ll complete the recovery work on your behalf, make progress reports and be there for you until your identity is restored—no matter how long it takes!

  2. For only $1.95 per month, your Recovery Advocate will:
    • Provide a customized recovery plan within 72 hours.
    • Alert the three major credit bureaus of your compromised identity.
    • Work with all government and law enforcement agencies to restore your identity.
    • Offer one-on-one assistance to replace credential documents that have been lost, stolen or destroyed in connection with your compromised identity (Lost Document Replacement).
    • Complete all necessary forms and follow up on your behalf.
    • Offer reimbursement (through Nutmeg) for lost wages, attorney’s fees and other out-of-pocket expenses (Identity Theft Expense Reimbursement Insurance). Click here for more information on Evidence of Coverage.
    • Restore your identity no matter how long it takes!
  3. This service is extended to all named accountholders on eligible accounts, and three generations of family for each named accountholder.

The following programs will help reduce your risk of becoming a victim of identity theft. Protect yourself and your family by minimizing the damage a thief can do if they obtain your personal information!

Click here to upgrade to the IDSafeChoice Plus Program.

Click here to enroll in the IDSafeChoice Plus Monitoring Program.

For more information, please contact us.

Protect Yourself

Identity theft occurs when someone obtains your personal information (SSN, credit card number, etc.) and uses it to fraudulently apply for credit, make purchases and/or withdraw funds from your accounts. This can seriously jeopardize your financial health and credit score! However, there are many things you can do to reduce your risk of identity theft.

  • Do not carry credit cards you rarely use, your social security card or any other non-essential items that contain personal information. Limit the number of credit cards you have and cancel any inactive accounts. Any of these can be used by an identity thief to obtain further personal data. For example: once an identity thief has your social security number, they can apply for a credit card or driver’s license, access important personal records and begin to assume your identity—all with just one set of numbers.
  • Never leave your purse or wallet unattended at work, restaurants, health fitness clubs, in your shopping cart or at parties. It’s also important to never leave your personal items in open view in your car, even when locked.
  • Never give any financial or social security information to anyone who has contacted you over the phone or online. When contacting a company or financial institution, make sure you are comfortable with them as well as the phone representative before providing personal information. Scammers and thieves will often make unsolicited calls and ask you to provide codes from store-bought gift cards. Take advantage of the warning signs!
  • Destroy all checks immediately after closing a checking account. Any courtesy, canceled or unused checks that are mailed to you should be destroyed or kept in a secure place. Shred any unused credit applications sent under your name.
  • Carefully review your financial statements for any unauthorized charges or withdrawals. If spotted, immediately report these warning signs to your financial institution or credit card company. Lost or stolen checks should also be reported immediately.
  • If regular bills fail to reach you, contact the billing company to learn why. Redirected or missing bills could be an early indicator of identity theft.
  • Memorize your passwords and personal identification (PIN) numbers. Never keep your PIN with your ATM/debit cards and never distribute your PIN to anyone. Shield the ATM keypad when entering your PIN and always request/take your receipts with you.
  • Photocopy or list all credit and identification cards you carry with you. Include both the front and back of cards as well as their corresponding contact information, which can be used to inform companies of lost or stolen cards. Keep this information in a secure place!
  • Do not put outgoing mail (especially bill payments) in your mailbox. Instead, take the time to drop it off at a Postal Service box. Identity thieves can obtain personal information by stealing outgoing mail.
  • At least once per year, order a copy of your credit report and check it for accuracy. You can obtain a free annual credit report at www.annualcreditreport.com or call 1.977.322.8228.

We’re happy to answer any questions you may have regarding your accounts or other financial concerns. If you believe you identity has been stolen or compromised, contact us immediately. We’ll help stop the unauthorized use of your accounts and return things to normal as quickly as possible!

Remember: we will never ask you for your personal bank account or credit card information.

For more information about Credit Reporting, click here.

Click here for the complete Terms and Conditions of our ID Theft Recovery Service.