Identity Theft
Beauregard Electric Cooperative, Inc. recognizes the responsibility to safeguard personal member information within the Cooperative mission. To learn more about our Identity Theft Prevention Program that utilizes the guides set forth in the Fair & Accurate Credit Transaction Act, please contact us.
 
What is identity theft?
 
Identity theft is the utilization of another’s personal information for fraudulent purposes. More often than not, personal information is obtained illegally and without the identity theft victim’s knowledge. A common example is when an identity thief uses someone else’s personal information to open a credit card account in the identity theft victim’s name.
 
The following website provides further information for consumers: ftc.gov/idtheft.  
 
Ways to protect your identity:
  • Pay attention to billing cycles. Follow up with creditors if bills do not arrive on time.
  • Deposit outgoing mail at the post office.
  • Limit identifying information and credit cards carried to those necessary.
  • Do not give out personal information via phone, mail or over the Internet to undisclosed sources.
  • Request a copy of your credit report annually from any one of the three major credit bureaus for review. 
    • Equifax: (800) 525 6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
    • Experian: (888) EXPERIAN or (888) 397 3742; www.experian.com; P.O. Box 9532, Allen, TX 75013
    • TransUnion: (800) 680 7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
If you suspect that someone has been using your personal information, you should contact:
  • The fraud departments of the three major credit bureaus.
  • The creditors of any accounts that have been misused.
  • The local police to file a report.
  • It is wise to cancel existing accounts held in your name and re-open new accounts with new passwords.

   

 

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