If you suspect you've been a victim of identity theft, completing the following steps will help restore your good credit. 

 

1. Contact WSECU’s Call Center immediately at 800.562.0999, weekdays 7am -7pm or Sat 9am -2 pm.
2. Contact the three major credit bureaus (see below) and ask them to put a fraud alert in your file.  Such an alert instructs creditors to contact you before any new accounts are opened or existing ones are changed.
3. Contact your creditors and follow-up in writing; close any suspicious accounts and open new ones using different passwords and PINs.
4. File a report with the police where the theft took place.  Get a copy of the report as proof of the crime.
5. Contact your financial institutions and ask to have a code word placed on your accounts.
6. File a complaint with the FTC by contacting the Identity Theft Hotline, toll-free at 877-IDTHEFT.
7. Ask creditors if they’ll accept the FTC’s ID Theft Affidavit.  This will allow you to report information to several companies simultaneously.  You can get an FTC Affidavit at 877-IDTHEFT or at www.consumer.gov/idtheft/.

Three Major Credit Bureaus:  

Equifax: www.equifax.com or 800.525.6285

Experian: www.experian.com or 888.397.3742

TransUnion: www.transunion.com or 800.680.7289