With all the security and information breaches happening lately, it’s more important than ever to protect your identity and finances. In this video, Jon discusses Kasasa Protect and how its many benefits can prevent identity theft from happening to you. Whether you’ve recently had your identity or finances compromised, or if you just want to take a few precautionary measures, Kasasa Protect is for you. This comprehensive identity protection and restoration solution includes 24/7 credit monitoring, annual credit reports, lost wallet protection, and dark web monitoring services – just to name a few. Check out our past blog posts to learn more about Kasasa Protect and get some helpful tips to protecting your identity. If you think Kasasa Protect is for you, give us a call at (303) 458-6660 or visit our website to enroll.
Having your identity stolen is not only unsettling, but can take years of frustration and red tape to fix. It will likely take a major toll on your credit score, wallet, and even well-being. To help avoid this nightmare from happening to you, we’ve compiled a list of the 8 best ways to protect your identity.
1. Protect your Social Security number.
This simple number can give thieves access to your credit reports, bank accounts, and a number of other pieces of important personal information. Don’t keep your Social Security Card on your person, in your phone, or anywhere it can be easily stolen. Your card should be stored in a secure location and digits kept a secret.
2. Use strong passwords and change them frequently.
Avoid using easy-to-guess passwords including birthdays, common phrases, and names of schools or workplaces. Strong passwords usually consist of a long combination of letters and at least one uppercase letter, number, and symbol. It is best to use different passwords for all accounts and change them frequently to avoid being targeted.
3. Monitor and review financial statements.
Periodically check the vendors and retailers on your credit and debit card statements to ensure you recognize them. Report any suspicious activity or charges to your bank or credit card company as soon as possible.
4. Destroy records and credit card statements.
Make sure you shred documents containing sensitive information and, if you are keeping hard copies for your records, store them somewhere secure. Don’t throw away bank or credit card statements as they may contain private financial information that could be used by identity thieves.
5. Don’t fall for phishing scams.
Don’t give out personal information to unknown callers, in email, or to unfamiliar websites. These scams usually claim to be from a trustworthy company that you know, like a bank or popular company. It is always better to double check that an inquiry is legitimate by calling the company yourself and verifying before giving out any personal information.
6. Secure your mobile device.
Although phones are easy places to store information, avoid keeping passwords or important information in them, like bank account numbers or your social security number. Ensure the highest protection by locking your device with a passcode and don’t leave it unaccompanied in public places.
7. Check your credit report.
There are three major credit reporting bureaus that are required to give you one free credit report a year, each. Equifax, Experian, and TransUnion. Utilize them all and check your credit once every few months to keep up to date and review information. If you notice suspicious activity, contact your credit card company immediately.
8. Get Kasasa Protect™.
Worrying about identity and credit theft can be exhausting; that’s why we offer Kasasa Protect. Kasasa Protect is a comprehensive identity protection and restoration solution available to add to your RMLEFCU checking account. It provides you peace of mind by offering 24/7 credit monitoring, identity theft protection, restoration services, and more. Check out our account services to learn more and register today!
Although there are many more ways to protect your identity, by following these simple steps you can greatly decrease your risk of identity theft and fraud. It is better to be proactive in protecting your information than dealing with the headache of a stolen identity after the fact.
The Denver metro area was recently home to a shocking case of identity theft. This past December an Aurora woman’s credit card was used to buy four motorcycles, a Corvette, and thousands of dollars worth of merchandise at Home Depot, Sears, and Best Buy. The woman was alerted about the ID theft when the couple attempted to finance another Corvette!
Not every thief is as brazen as this one. Whether a thief plans to use your financial information for flashy purchases or a large number of smaller transactions that don’t seem as suspicious – you need someone – or better yet – a team of many – to help prevent identity theft and restore your confidence if your information gets into the wrong hands.
Ok, but tell me about the contest already!
Rocky Mountain Law Enforcement Federal Credit Union is sponsoring a contest to win one year of Kasasa Protect™ Fraud Protection for free! The contest runs from March 1st through the 15th. Simply share a photo or video of something or someone you protect and use the hashtag #KasasaProtect to enter. Kasasa Protect™ is a comprehensive identity protection and restoration solution available to RMLEFCU account holders.
What can Kasasa Protect™ do for me?
Kasasa Protect™investigates on your behalf. How? Kasasa Protect™performs Dark Web monitoring by scanning millions of international sources in real time. They also quickly pinpoint stolen data that could identify you, such as a social security number or medical identification numbers.
Kasasa Protect™steps up to bat when your personal identifying information is compromised. How? Say you’ve lost your wallet. One convenient point of contact will handle cancellation and replacement of all your important documents
Restoration through Kasasa Protect™ includes: your cards, licenses, social security cards, insurance cards, passports, military IDs, and even traveler’s checks.
To learn more click here.
Finally, go to RMLEFCU’s Facebook page and post your video or picture soon so you can rest easy knowing Kasasa Protect™ will safeguard your financial info!
Best of luck!
What is your Identity Theft Prevention Plan?
Do you have a plan in place if someone opened up multiple accounts in your name? If identity theft has happened to you, do you remember how much time and energy you spent trying to clear your name? How many phone calls and forms did you fill out? Do you have time to simultaneously monitor your credit report and online records? Even if you have the time, do you feel confident that you’ve taken all the necessary steps to safeguard your personal information?
These questions are uncomfortable, yes, but so is being unprepared for identity theft. Thankfully, RMLEFCU members with Kasasa accounts, and even those without, are eligible to sign up for Kasasa Protect. Kasasa Protect is a comprehensive identity protection and restoration solution available for a low price of $8 a month for Kasasa accounts and $12 each month for non-Kasasa account holders.
How Kasasa Protect is like a Security Guard
Kasasa dedicates employees to monitor your credit card accounts and credit reports so they can immediately alert you to any suspicious activity. Kasasa Protect uses 24/7 Credit Monitoring to keep you informed of any changes related to:
- Loan data
- Inquiries about your credit history
- New accounts opened in your name
A unique feature is Kasasa Protect’s Monthly Credit Score & Tracker.
- Kasasa employees regularly review your credit score, helping you stay on top of your credit
- You can avoid the cost of pulling full credit reports
- Kasasa monitors trends over time to find out what is changing your score
How Kasasa Protect is like an Investigator
Kasasa performs Dark Web monitoring by scanning millions of international sources in real time. They also quickly pinpoint stolen data that could identify you, such as a social security number or medical identification numbers.
How Kasasa Protect acts as a Crisis Manager
Say you lose your wallet. Kasasa Protect steps up with their Lost Wallet Protection features:
- One convenient point of contact handles cancellation and replacement of all your important documents
- Restoration through Kasasa includes: your cards, licenses, social security cards, insurance cards, passports, military IDs, and even traveler’s checks
If your personal information is compromised, Kasasa acts as Crisis Manager with Identity Restoration. Their experts work to get you peace of mind, providing helpful advice and resolution services as soon as the fraud has occurred. Certified specialists file, dispute, and resolve issues with your credit card companies and can file fraud alerts, place credit freezes and notify authorities on your behalf.
Finally, Kasasa Protect understands you may be interested in the service and not interested in being locked into a service contract. No problem. You can enroll in Kasasa Protect contract free. Ask your RMLEFCU representative how to enroll or go online to put Kasasa Protect to work for you.
According to Bankrate.com’s most recent annual survey, consumers now pay an average of $4.52 per transaction to use an ATM network that their bank isn’t part of, an increase of 21 percent over the past five years.
As a member of RMLEFCU you benefit from our partnership with MoneyPass®. Their ATM network gives RMLEFCU members access to tens of thousands of surcharge-free ATMs nationwide. Finding ATMs is easy when you visit their site and enter your zip code or install an app on your iPhone or Android.
A few other fees that many big banks charge that you won’t incur with RMLEFCU:
- Early Account Closure Fee – U.S. Bank, HSBC, and PNC Bank charge a $25 fee to close an account that has been open for fewer than 180 days.
- Monthly or Annual Maintenance Fee: Many banks charge these and only waive them if you jump through 10 hoops, clap three times and say, “There’s no place like Big Bank X.”
- Minimum Balance Fee: We understand that life happens and balances fluctuate. But charging you when you don’t have money is akin to offering a drowning man a dumbbell.
This post is not just for 18-year-olds faced with what the next 2-5 years will hold. It is for anyone who is considering college to advance their career, switch gears, and go a completely different direction. Or for parents of said 18-year-olds who need to convince their offspring that selecting a college is their first major life decision deserving of careful consideration.
There is a three pronged approach you can follow. If you work through all three areas, you’ll cover the most crucial aspects of the college experience. In this first blog post, we’ll cover all things social that are involved in selecting a college. Subsequent blog posts will address financial and academic considerations. Let’s begin!
Are you picking a college based on what you’ve heard from other people? This approach is appropriate when selecting a restaurant on any given weeknight, but to trust the anecdotal evidence of friends or acquaintances concerning where you will spend an inordinate amount of time, effort, and money – it does not bode well.
For the high school seniors. The college is in an exciting city. I hate to tell you but this is not a Woody Allen movie with you in the starring role. You left for college to get an education and a degree – not to be an unpaid arts and events blogger. While its beneficial to have culture nearby, you need to plan the majority of your time around your studies.
‘So and so is going there.’ As much as you value your high school friendships and relationships, selecting a college is a deeply personal decision that only YOU can make. You may think people don’t change but when it comes to who you were at 18 versus who you are as a college senior, there will be a shift in what is important to you and who is important to you.