Identity Theft Prevention

Identity theft is a serious crime that can wreck your finances, credit history and personal life. This is why Mountain America is committed to helping our members protect themselves against identity theft. Here are a few things you should know about this growing crime.

What Is Identity Theft?

Identity theft occurs when someone obtains another person's name, driver's license number, date-of-birth, Social Security number or financial account information and uses that information to commit fraud.

Steps You Can Take

One of the easiest things you can do to help prevent identity fraud is by using Mountain America’s free Alerts Service, which notifies you by text or email of transactions occurring on your account. You can activate the alerts by logging into Online Branch and selecting the Alert tab at the top of the screen.

You can also safeguard your personal information, both online and off, with identity theft protection services from Mountain America and Deluxe Provent.

Additionally, if you do feel you've been the victim of identity theft, please do the following:
  • Contact Mountain America at 1-800-748-4302 and have a Codeword added to your account.
  • Contact one of the three credit bureaus to place a Fraud Alert on your credit report.
  • Request a copy of your credit report from one of the three major credit report bureaus. Check each credit report carefully when you receive it. Look for accounts that you have not opened; charges that you have not made; inquiries that you have not initiated; and delinquencies that you have not caused.
  • Report any discrepancies on your credit report to the credit report bureaus:
 
Experian
P.O. Box 9532
Allen, TX 75013
1-888-397-3742
www.experian.com
Equifax
P.O. Box 740250
Atlanta, GA 30374-0241
1-800-525-6285
www.equifax.com
Transunion
P.O. Box 6790
Fullerton, CA 92834-6790
1-800-680-7289
www.transunion.com
You also can take advantage of numerous free resources from third parties. Below are a few we highly recommend:
  • Utah Attorney General's Identity Theft. Find resources on current scams and alerts, information for reporting identity theft and how to contact credit reporting agencies. You also can enter your child’s personal information in the TransUnion Identity Fraud database, which provides fraud prevention.
  • The Internet Crime Complaint Center (IC3). This partnership between the FBI and National White Collar Crime Center accepts online Internet crime complaints.
  • LooksToGoodToBeTrue.com. Access information on current types of fraud and file complaints with The Federal Trade Commission, United States Postal Inspectors and the FBI’s internet crime program.

Contact Us Immediately

If you believe you’ve been the victim of identity theft, or if you receive a communication from Mountain America that appears suspicious, notify us immediately by visiting your nearest branch or calling toll-free 1-800-748-4302.

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