In today’s hyper-connected world, identity theft is more than just an inconvenience; it can lead to serious financial loss and long-term stress. While you may not be able to eliminate all risk, there are smart, proactive steps you can take to protect your personal information and stay one step ahead of scammers.

Understand the Threat

A recent Pew Research Center survey reveals just how widespread online scams and attacks have become:

• 73% of U.S. adults say they’ve experienced some form of online scam or attack, such as credit card fraud, ransomware, or online shopping scams
• 1 in 5 adults (21%) report having lost money due to an online scam or attack at some point
• 68% receive scam calls at least weekly, while 63% get scam emails weekly, and 61% encounter scam text messages weekly

Source: "Online Scams and Attacks in America Today." Pew Research Center, 31 July 2025

Simple Steps to Strengthen Your Everyday Security

Follow these precautions that can help reduce your risk of falling victim to identity theft. These daily habits can help keep your personal and financial information out of the wrong hands:

• Review your statements regularly for unfamiliar charges
• Report any suspicious activity immediately
• Avoid sharing PINs or financial info, even with friends or family
• Choose unique, hard-to-guess PINs
• Keep account info secure and destroy sensitive documents

Shop Smart: Look for Security Indicators

Before entering payment or personal information online, check for SSL encryption, a lock icon in your browser’s address bar, and a URL that starts with “https.” These are signs that the site encrypts your data and is more secure.

Avoid Phishing and Suspicious Links

Scammers often mimic real companies in emails or messages to trick you into clicking on malicious links. Before you click:

• Check for spelling errors or strange formatting
• Be cautious with urgent language or “too good to be true” offers
• Hover over links to see where they lead

When in doubt, go directly to the company’s website instead of clicking a link in a message.

Telemarketing Scams: Don’t Take the Bait

Phone scams are rampant, especially among older adults. Scam calls often include:

• Fake tech support
• Imposter businesses
• Prize or sweepstake offers
• Phony government agencies

If you get a call from someone you don’t know asking for personal information, hang up and verify. Never give out your:

• Social Security number
• Bank or credit card info
• Passwords or login credentials

Don’t Wait Until It’s Too Late

Identity theft can happen to anyone. But with the right knowledge and support, you can protect yourself and your finances.

Visit our Identity Theft Protection page for trusted tools, tips, and services to help safeguard your information. Or, speak directly with our Member Service team by calling 888.2DIRECT for guidance on protecting your accounts and recovering from fraud.

Your identity is worth protecting. Let us help.