Fraud Prevention

Phishing is ...
The act of sending an eMail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that may be used for fraud or identity theft. The eMail directs the user to visit a Website where they are asked to update personal information such as: passwords, credit/debit card info, Social Security number, and the credit union/bank account numbers that the legitimate organization already has. The Website, however, is a spoof and set up only to steal the user's information. 

If you receive an eMail which you think is phishing and states it's from DCCU, please forward the entire eMail to us at abuse@mydcc.com.
This will help us SHUT DOWN the site faster.

 Counterfeit Checks 

IF you can answer YES to any of the following questions involving a check you are about  to deposit, Please notify DCCU immediately. Are the check proceeds for an item you sold on the Internet such as a car, boat, jewelry, etc? Is the amount of the check more than the selling price of the item? Have you been instructed to WIRE funds out of the country as soon as possible? Is the check from an individualyou have communicated with via email? Is the check drawn on a business or individual different from the person buying your item? Have you been informed that you were the winner in a lottery that you did not enter? Have you been asked to assist in the distribution of money from another country?

Identity Theft
DCCU is dedicated to keeping our members' information safe and secure. Identity Theft can happen to anyone. Identity Theft is when someone falsely uses your name and personal information to get a loan, open a credit card or attempts to access information from your financial account. To ensure that you do not become a victim of identity theft, please follow a few simple rules:

• Do not give out personal information over the phone or e-mail
• Do not carry your social security card with you
• Place passwords on your accounts for added security
• Shred material that contains any of your personal information
• Do not print your social security number on your checks
• Check your DCCU statements for accuracy
• Use security software on your home computer
• Carry only credit cards you use
• Review our Fraud Prevention Brochure

• Check your credit report regularly. Click here to see how you can get free credit reports. Federal law requires that each of the three credit bureaus (Equifax, Experian, and Trans Union) provide one free credit report per year to individuals upon request. You may order you free credit report from each of the three bureaus at the Annual Credit Report website.

  Click here to order your free annual credit report by secure website, phone, or mail 

Need to dispute something on your credit report? 
Please contact the nationwide consumer credit reporting company that provided the credit report:

Equifax - www.equifax.com or 800.685.1111
Experian - www.experian.com or 888.397.3742
Trans Union - www.transunion.com or 800.916.8800

**Remember DCCU does not contact you for your social security number, account number, and/or password because we already have this information on file** 

League Partners With Virginia Attorney General to Publish ID Theft Guide
The League and the Virginia Attorney General's Office have partnered together to publish "How To Avoid Identity Theft - A Guide for Victims of Identity Theft" that includes helpful advice to avoid falling victim to identity theft as well as providing victims with information on the specific steps they can take when they become a victim of identity theft.

Important Government Information
In an attempt to address the rising cyber crime threat, the  FTC (Federal Trade Commission ) on January 10, 2006 unveiled an online tool designed to help consumers avoid becoming victims of Internet scams.

At the website, www.onguardonline.gov, you can take interactive quizzes designed for you to learn about identity theft, phishing, spam and online-shopping scams. Elsewhere on the site, you can find detailed guidance on how to monitor your credit history, use effective passwords and recover from identity theft. 

The Internal Revenue Service has issued an alert, warning that the IRS name and logo is being used by fraudsters attempting to access the taxpayer financial information through eMail, telephone, and cell phone text messaging.

Note: The IRS does not ask for personal identifying or financial information via unsolicited eMail, telephone calls, or text messaging.

If you receive an unsolicited eMail purporting to be from the IRS, take the following steps:
-Don't open attachments to the eMail; they could contain malicious code that will infect your computer.
-Forward a questionable eMail claiming to be from the IRS to phishing@irs.gov.
-Contact the IRS at 800.829.1040 to determine whether they are trying to contact you.
-Remember that taxpayers do not have to complete a special form to obtain a refund. 

       
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