How Identity Theft Usually Happens

Identity theft often starts with small security gaps rather than dramatic breaches, so watch out for:

• Phishing messages that pretend to be from trusted organizations
• Requests for passwords or verification codes, often through fake login pages or impostor support messages
• Spoofed calls pretending to be from banks, credit unions, and government agencies
• Unsecured devices or public Wi-Fi networks
• Oversharing personal details online or on social media
• Weak passwords that are easily guessable and used on multiple sites

If scammers collect enough information, they may try to open accounts, take over existing ones, or make unauthorized purchases. They only need a credit card number & security code to make an unauthorized purchase. Your name, date of birth, and social security number can allow them to open bank or credit accounts. An email address and password can be used to attempt access to other accounts where the same login information is reused.

Simple Ways to Protect Your Identity

You don’t need to overhaul your life to reduce your risk—just be consistent with a few basics.

• Use strong, unique passwords for financial and personal accounts.
• Enable multifactor authentication whenever it’s available.
• Shred sensitive documents and properly dispose of paperwork containing personal or financial information.
• Be cautious with unexpected calls, texts, or emails, even if they look official.
• Avoid sharing personal information unless you’ve verified who you’re dealing with.
• Don’t share your personal data on social media—including seemingly innocuous things like pet names, vacation plans, your birthplace, and your mother’s maiden name.
• Secure all your devices (including your smart speaker) with passcodes, updates, and antivirus software.

Watch for Warning Signs

Catching identity theft early can limit the damage.

• Unfamiliar charges or account activity
• Alerts about logins you don’t recognize
• Mail or bills for accounts you didn’t open
• Messages claiming there’s a problem with your account that pressure you to act fast

Monitor Your Accounts

Keeping an eye on your financial activity helps you spot issues quickly and respond before they escalate. Maps Credit Union’s mobile and online banking tools make it easy to track transactions and stay informed.

• Set up transaction alerts to get notified of account activity.
• Review your accounts regularly so unusual charges stand out.
• Act quickly if something looks off—early reporting can help limit losses.

If you believe your identity has been compromised or you notice suspicious activity on your Maps accounts, contact us right away at 503.588.0181 or visit any branch so we can help protect your information.