Identity theft can impact anyone—but staying protected doesn’t have to feel overwhelming. At Fond du Lac Credit Union, we’re here to help you stay informed, confident, and prepared as we head into the new year. A few simple habits can go a long way in keeping your information safe, whether you’re shopping online, checking email, or answering a phone call.
Here are eight practical ways to protect your identity:
1. Keep an Eye on Your Credit Reports
Make it a habit to check your credit reports throughout the year. Catching unusual activity early can prevent bigger headaches later. If something doesn’t seem right, consider placing a credit freeze. You can access a free report from each credit bureau every year at AnnualCreditReport.com.
2. Strengthen Your Digital Accounts
Unique, strong passwords paired with multi-factor authentication (preferably through an authenticator app) provide a solid defense against unauthorized access. Try to avoid repeat passwords—especially for your email and financial accounts.
3. Safeguard Personal Documents
Shred old paperwork, secure sensitive documents, and be mindful of where you leave mail or files. A few simple steps can keep private information out of the wrong hands.
4. Stay Alert to Scams
Phishing emails, fake messages, and suspicious phone calls are getting more sophisticated. When in doubt, pause and verify before clicking or sharing information. Fond du Lac Credit Union will never ask for your login credentials or verification codes through email or text.
5. Watch for Social Engineering Tricks
Scammers often try to win your trust using personal details. Be thoughtful about what you share online—even fun posts or quizzes can reveal information used for security questions.
6. Double-Check Before You Buy (or Recycle)
Look for secure websites when shopping online, use trusted payment methods, and avoid entering sensitive information over public Wi-Fi. When disposing of old devices, wipe them clean before recycling.
7. Review Medical and Insurance Records
Identity theft isn’t always about money. Keep an eye on medical bills and insurance statements for errors or unfamiliar services. If something looks off, contact your provider for clarification.
8. Take Action at the First Sign of Trouble
If you suspect fraud, act quickly. Reach out to your financial institutions, the credit bureaus, and resources like the Identity Theft Resource Center (ITRC). Having key contacts saved ahead of time makes the process smoother.
Staying protected is about being proactive, not fearful—and you don’t have to navigate it alone. At Fond du Lac Credit Union, our team is here to help you build strong financial habits and support you if something doesn’t seem right. Reach out anytime—we’re just a phone call or visit away.