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Security and Fraud


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ID Theft Services and Resources

Dec 17, 2013 | Posted in Security and Fraud

BECU CardProtect Program

CardProtect offers BECU members free online purchase security protection through MasterCard SecureCode and Verified by Visa®. These programs protect your BECU Debit MasterCard and BECU Visa credit card from unauthorized purchases when shopping online. You create private passwords to verify online purchases and you'll use these passwords each time you complete an online purchase with a participating merchant.

Free Fraud Monitoring

BECU provides free fraud monitoring protection for your BECU debit and credit cards. Your cards are automatically protected with this service and there is no sign up or registration. This service helps reduce identity theft and fraud losses through early detection and notification of possible unauthorized transaction on your BECU debit and credit cards.

If unusual activity is detected, you will receive a call from a fraud investigator asking you to verify your account activity. The investigator can identify your account information through your home or business telephone number, but may ask additional verification questions such as your date of birth or the last four digits of your social security number. Make sure the information we have on record for you is current and accurate.

Identity Theft Protection

Protect yourself from ID theft with the Deluxe ProventSM Identity Theft Protection Program. This tiered program will provide you with expert personal assistance should identity theft occur and proactive online services to help monitor your identity. Once enrolled, you will have your own personal online dashboard to monitor and track your identity.

Prevent, Detect and Restore

With the Deluxe ProventSM Identity Theft Protection Program, you’ll have the option of being protected by combinations of the following services:

  • Identity restoration
  • EZ Wallet
  • Internet monitoring
  • Credit monitoring
  • Public records monitoring
  • Name and address monitoring
  • EZShield vault safety deposit

The tiered program starts at only $4.95 per month and can be debited from your BECU account. You can cancel this service at anytime through your dashboard or by calling Deluxe Provent at 866-460-0095.

Sign up for Deluxe ProventSM

If you have been the victim of ID theft or credit fraud:

1. Report email phishing to BECU

2. Report it to the Federal Trade Commission or phone 1-877-IDTHEFT (1-877-438-4338)

3. Report fraud to these three credit bureaus:

Equifax
To report fraud, call: 888-766-0008 and write: P.O. Box 740241, Atlanta, GA 30374-0241

Experian
To report fraud, call: 1-888-EXPERIAN (1-888-397-3742) and write: P.O. Box 9532, Allen, TX 75013

TransUnion
To report fraud, call: 1-800-680-7289 and email: fvad@transunion.com or write: Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834-6790

4. You can place a codeword on your accounts with BECU for additional protection. In the event you call in or visit us in person, this additional security question will be asked in conjunction with our standard questions.

Fair and Accurate Credit Transaction Act (FACT Act) The Fair and Accurate Credit Transaction Act (FACT Act) is a revision to the Fair Credit Reporting Act (FCRA) that has been enacted to help consumers effectively combat identity theft. Here are some of the ways FACT Act helps consumers:

  • Identity theft victims will only have to make one call to receive advice, set off a nationwide fraud alert, and protect their credit rating.
  • Identity theft victims who file police reports will be able to block fraudulent information from appearing on their credit reports.
  • Identity theft victims will have access to business records that lists the thief’s fraudulent transactions.
  • Credit reporting agencies must ensure that all credit requests are legitimate after a credit report has been flagged for suspected identity theft.
  • Active duty military personnel may place special alerts on their files when deployed overseas.
  • Going forward, only the last five credit card number digits may be listed on store receipts.

Learn more about the FACT Act

Additional Resources
Social Security Administration
Mail Theft
Passport Fraud
Phone Fraud
FTC

Next steps: For more information, read 10 Steps to Help Prevent Identity Theft.

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