Tips for consumers and businesses
- Anti-Virus & Anti-Spyware Software - Provides protection against malicious programs that may be planted in emails, documents or websites.
- Firewall Software/Hardware - Checks the information coming from the Internet to your computer and will either block or allow the information to pass through to your computer.
- Keep Computer Software Current - Manufacturers offer patches which are small pieces of software to fix flaws in software and they also provide software upgrades.
- Protect Your Personal Information - Do not provide passwords, account numbers or answers to security questions unless you are sure of who you're dealing with and why they need the information.
- Pop-Up Windows - Identity thieves plant pop-up windows on legitimate websites in an effort to steal your identity by acquiring all of your personal information.
- Email Links - Do not click on links in emails that ask for your personal information. Harmful programs could be embedded in emails and the links provided may lead you to fake versions of what you understand to be legitimate websites.
- Credit Report - Check your credit report periodically from the three credit bureaus to ensure nothing is abnormal.
- New Computer - If you plan on purchasing a new computer make sure to use a "wipe" utility program on your old computer to permanently delete all of your personal files before disposing of it.
- Statements/Applications - Shred any bank statements, credit card bills, credit card applications or account information that is no longer needed.
- Credit/Debit Cards - Never write the PIN on the card and make sure to cut up/shred when disposing of old cards.
- Secure Your Smartphone - The Federal Communication Commission has designed a tool to protect against mobile security threats. To use this tool, click here.
Additional business tips
- Dedicated Computer - Designate a computer as well as a separate network connection for financial transactions to minimize the risk of obtaining viruses or malware that could result from opening emails or Internet links.
- Risk Assessment - Conduct a periodic assessment of your computer's protections to ensure it is fully protected.
- Financial Applications - Restrict financial applications to employees with a business need for access.
- IDs & Passwords - Never share IDs or passwords and change them on a periodic basis.
What to do if you are a victim
If you believe you are a victim of fraud or identity theft, contact us at 877.723.5571.
In addition to contacting Univest, you should also report the incident to the fraud departments of each of the three major credit bureaus.
- Equifax - www.equifax.com - Call: 800.525.6285
- Experian- www.experian.com - Call: 888.397.3742
- TransUnion - www.transunion.com - Call: 800.680.7289 Email: email@example.com
Additional Steps to Take if You Are a Victim of Fraud or Identity Theft
- Close the accounts you know or believe have been tampered with or opened fraudulently
- File a police report as proof of the crime and obtain a copy or report number.