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Identity Theft Protection

How you can protect your personal information:Deter Detect Defend brochure.

  1. Keep your account numbers, credit card numbers, PIN (personal identification number), and passwords protected. Never keep your pin number with your ATM card or your credit card. If your card is lost or stolen, you have just provided free access to your account.
  2. Use caution when disclosing your social security number or account numbers to other persons over the telephone.
  3. Keep your address and telephone number with us and other financial institutions current. If we detect unauthorized or fraudulent activity, we will attempt to immediately notify you.
  4. Check your credit reports periodically, the three national credit bureaus allow you a free copy of your credit report. If you are denied credit or other benefits within the last 60 days, here are their numbers to order a copy of your credit report.
              Equifax (800) 685-1111
              Experian (888) EXPERIAN
              Trans Union (800) 888-4213

What to do if you lose your wallet or purse:

  1. Cancel your credit cards immediately. Keep your credit card account numbers and their telephone numbers in a safe place so you will have all of your credit card information handy. Having to find all of your credit card telephone numbers and account numbers at this point would only add additional stress to your already stressful situation.
  2. Call the three national credit bureaus and place a fraud alert on your name and social security number. This alert will notify any company checking your credit that your information was stolen and that they have to contact you by phone to authorize new credit. Here are the credit bureau fraud lines and the Social Security fraud line:
              Equifax fraud line (800) 525-6285
              Experian (888) 397-3742
              Trans Union (800) 680-7289
              Social Security (800) 269-0271
  3. Notify your financial institution so they can place a notation on your account. If your checkbook was stolen, you may want to place stop payments on the blank checks that were taken.
  4. File a police report immediately in the jurisdiction where your purse or wallet was stolen. This is the first step toward a possible investigation and creditors know that you were diligent in your efforts.

We hope that you are never faced with this situation. Be sure to record your credit card information. Keep this copy in a safe place, somewhere other than your wallet or purse.

Additional Security Steps:

OPT - OUT of Credit Preapprovals

You may exercise your right to prohibit information contained in your credit report from being used in transactions that are not initiated by you. Contact the credit reporting agencies' notification system at OPT-OUT ... 888-567-8688. The Fair Credit Reporting Act and how to obtain your credit reports can be found at the Federal Trade Commission website.

Reduce Telephone & Mail Solicitations

To reduce telephone solicitation calls to your home, write to: Telephone Preference Service, Direct Marketing Assoc., PO Box 9014, Farmingdale, NY 11735-9014 and include your name, address, phone and signature.

To reduce mail solicitation to your home, write to: Mail Preference Service, Direct Marketing Assoc., PO Box 9008, Farmingdale, NY 11735-9008 and include your name, address, and signature.

Missouri Credit Union's (MCU) Commitment:

MCU's number one priority is safeguarding our members' funds. We accomplish this priority through our policies and security features on our system. For example, MCU copies driver's licenses and requires a thumbprint of non-members who cash member checks. These policies help to decrease fraud. Additionally, we constantly update security features on our systems, such as mcu@home.

If you have questions, please call us at (573) 817-1477 Columbia or (573) 635-8007 Jefferson City or (800) 451-1477 Toll-free (Outside of Columbia or Jefferson City only).

Policies & Disclosures