In today’s connected world, our digital identities are more vulnerable than ever. From online shopping and banking to social media and streaming, our personal information is constantly in motion. At Landings Credit Union, your financial security is our priority—so let’s talk about how to protect your digital identity and stop fraud in its tracks.
What Is Digital Identity Theft?
Digital identity theft occurs when someone uses your personal information—like your name, Social Security number, account info, or login credentials—without your permission. Criminals often use this data to access your bank accounts, open new credit cards, or even file fraudulent tax returns.
Common Ways Fraudsters Target Consumers
- Phishing Scams
- Fraudsters send fake emails or texts pretending to be from banks, delivery services, or government agencies to steal login credentials and personal information.
- Social Engineering
- This involves manipulating victims into giving up confidential info, often using fear, urgency, or emotional appeals.
- Public Wi-Fi Eavesdropping
- Free networks in coffee shops or airports may be unsecured, allowing bad actors to intercept data.
- Data Breaches
- Even the most trusted companies can be hacked, and your information can be leaked or sold on the dark web.
How to Protect Yourself
- Use Strong, Unique Passwords
- Avoid using the same password across accounts. Consider a password manager to keep track securely.
- Enable Multi-Factor Authentication (MFA)
- MFA adds a layer of security by requiring a second verification step, like a code sent to your phone.
- Monitor Your Accounts Regularly
- Check your Landings CU account through online banking or our mobile app frequently for unauthorized transactions.
- Shred Personal Documents
- Don’t toss sensitive mail—shred bank statements, credit offers, and anything with account numbers.
- Be Skeptical of Unsolicited Contact
- If someone calls claiming to be from Landings CU and asks for sensitive information—hang up and call us directly.
What to Do If You Suspect Identity Theft
If your identity has been compromised:
- Contact Landings CU immediately to place alerts on your account.
- File a report with the Federal Trade Commission at identitytheft.gov.
- Consider placing a credit freeze or fraud alert through all three major credit bureaus.