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Your identity is one of your most valuable assets. That is why we are continually enhancing our online security features to ensure that your information remains safe and secure. At the same time, it is important to be aware that fraud happens both online and offline. We want you to be protected at all times by learning how to prevent, detect, correct and report fraud and identity theft.
Protect Yourself: Prevention is the most critical element in avoiding fraud.
- Shred anything that contains your name, address or other sensitive data before discarding - including invoices, receipts, statements, personalized letters, catalogs and pre-approved credit offers. Use a crosscut shredder for the best results.
- Protect your Social Security Number! Do not carry your Social Security card in your wallet. Avoid carrying cards that display your SSN, such as health insurance cards, unless needed to receive care.
- Use only trusted web sites for online transactions. Do not provide credit card numbers or personal information on any website if you are not sure the site is authentic. Choose companies with secure transactions and strong privacy and security policies.
- Make sure your passwords are strong and difficult to discover. Keep them secure, and follow a few password tips to ensure that others won't be able to guess what they are.
- Check your credit reports as frequently as possible - at least twice a year. Under the FACT Act, US consumers are entitled to one free credit report each year from each of the three major credit bureaus. For details, visit www.annualcreditreport.com.
Detection Tips: Despite all efforts to prevent identity fraud, it can still occur. The earlier it is detected, however, the more swiftly we can help you take action to stop it. Be alert and take immediate action on the following:
- Bills that do not arrive as expected
- Unexpected credit cards or account statements
- Denials of credit for no apparent reason
- Calls or letters about purchases you didn't make
Correction Procedures: Correcting the fraudulent activity is the final step.
- Close any accounts that have been tampered with
- Contact our Member Service Center immediately if you suspect fraud
- Keep detailed records of the incident
Get more prevention, detection and correction information online in Affinity's Identity Theft 911™ mini-site.
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