Complimentary Identity Protection
Complimentary to all members: VRS Elite™ Fraud Resolution Services
If you have a question about fraud or think you are a victim of identity theft, call 866-443-3728 - toll-free 24/7. Services include case file creation, victim statements, fraud affidavits, and much more.
Additional Identity Protection Available
Additional products and services are available at a 25% discount if you have a checking account at your credit union. Before ordering supplemental products, call 505-889-7755 (800-347-2838 outside the Albuquerque area) and request your discount code word. Then place your order by calling toll-free 866-443-3728 Monday through Friday 9:00 a.m. to 6:00 p.m. (Mountain Time).
You can optimize your identity protection by adding:
- Core Identity Protection™
- Identity Fraud Gold
- Identity Fraud Platinum
The information provided here is for information purposes only. All products are subject to specific terms, conditions, and limitations. Identity insurance in NY has a maximum $25,000 limit. Prices subject to change.
Protect Yourself from Identity Theft
You can take additional measures to enhance your account security:
- Create strong passwords with at least eight characters, including a combination of mixed-case letters, numbers, and special characters. Never share this information with anyone, change passwords frequently, and avoid using the same one for multiple accounts.
- Contact us immediately with any changes to your address or phone number.
- Check your credit report at least once a year (get your free copy at www.annualcreditreport.com) and immediately correct any mistakes in writing.
- Monitor your online accounts and billing statements regularly for unusual or unauthorized activity.
- Be cautious about phishing scams asking for your personal information (account numbers, expiration dates, SSN, etc.) We will never call you or send you an email asking for you to verify your personal information.
- Protect your computer by installing up-to-date antivirus software, spyware and firewalls to minimize the risk of hacks. Ensure that your Web browser is also up to date. Check it here
- Don't use public computers, leave your computer unattended, or use unsecured websites when making online transactions. Look for a lock icon next to the URL address you're visiting.
- Cancel unused credit cards and store any you don't use often in a secured place.
- Don't leave mail in an unsecured mailbox. Use a U.S. Post Office mailbox for correspondence.
- Completely destroy or shred copies of credit card receipts, statements from financial institutions, tax returns and loan applications.
- Do not use account numbers, your SSN, or other account or personal information when creating account nicknames or other titles.
- Avoid opening attachments in email that you were not expecting. Be particularly wary of emails that warn of some dire consequence unless you take action immediately.
Steps to Take if You’re a Victim of Identity Theft
Sometimes, even when we implement the most thorough measures to prevent identity theft, it can still happen. If you think you have been a victim, take the following steps right away:
- Contact us immediately at 505-889-7755 (or 800-347-2838 outside the Albuquerque area) and contact all your other financial institutions and credit card companies to close any accounts that may have been tampered with or established fraudulently. Follow up with your request in writing.
- Notify the three major credit bureaus and place a Fraud Alert on your credit report.
- File a report with your local law enforcement agency. Note your case/incident number and ask for a copy of the report – the police report can help you clear your credit records.
- Report lost or stolen checks to your financial institution and stop all payments.
- Call the Social Security Fraud Hotline at 1-800-269-0271 to report your card or number as lost or stolen.
- File a complaint with the Federal Trade Commission (FTC) online or by calling 877-ID-THEFT (877-438-4338).
- Report stolen mail to the U.S. Postal Service. File a report online or by calling toll-free 877-876-2455.