Consumers who are victimized by fraud or identity theft may lose out on job opportunities, or be denied loans for education, housing, or cars because of negative information on their credit reports. They may even be arrested for crimes they did not commit.
If you think you’ve become the victim of fraud or identity theft, it’s important to act quickly. Here’s how Dupaco can help you and your family recover if you are victimized.
Protect Yourself with Family ID Restoration
What you would do if you or someone in your family had their personal information stolen? Avoid the stress of “what if?” by enrolling in Family ID Restoration*, a special coverage designed to help you recover from identity theft.
If you or an immediate family member fall victim to identity theft, Family ID Restoration coverage will provide you:
- Personalized help from a Certified Resolution Specialist.
- Assistance restoring your identity with credit bureaus, the Social Security Administration, the U.S. Postal Service, the police department, the Department of Motor Vehicles, the Internal Revenue Service and your financial institution(s).
- Up to $25,000 in expense reimbursement assistance.
- Coverage for your spouse or domestic partner, dependent children under the age of 21, and dependent children under the age of 25 who are full-time students.
Coverage for You and Your Family Costs Just $1.95 Per Month
To enroll in Family ID Restoration coverage, contact a Dupaco member service representative at 800-373-7600, ext. 206, or complete the enrollment form and return it to Dupaco.
Keep your profile up-to-date or add additional coverage options by visiting your Family ID Restoration dashboard.
* Dupaco offers Family ID Restoration in partnership with Deluxe|Provent® ID Theft and Fraud Protection.
Notify Dupaco of Suspicious Activity
If you notice suspicious account activity or experience security-related events, or if you believe you are the victim of fraud or identity theft, please contact Dupaco immediately at 800-373-7600.
What To Do if You’re a Victim of Fraud or Identity Theft
Put a fraud alert on your credit reports.
Contact one of the three credit reporting agencies (Experian, Equifax, TransUnion) to place a free 90-day fraud alert on your credit report. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. You only need to contact one of the agencies to make this effective across all three agencies.
Review your credit report.
Placing a fraud alert entitles you to free copies of your credit reports. Review these reports carefully, looking for inquiries from companies you haven’t contacted, accounts you didn’t open or debts on your accounts that you can’t explain.
Contact any institutions that have been affected.
Determine what important documents and articles have been stolen. If you had one or multiple retail credit cards stolen, be sure to contact each retail company to have the cards blocked. In the case of car registration, bill stubs, etc. that have been stolen, be sure to contact the institutions and notify them that your information has been stolen.
Close any accounts that have been tampered with or established fraudulently.
Ask for verification that the disputed account has been closed and the fraudulent debts discharged. Keep copies of documents and records of your conversations about the theft.
File a police report.
Contact your local law enforcement officials and file a report with them. If you suspect that your identity has been stolen, you should also contact the Federal Trade Commission to file an Identity Theft Affidavit and create an Identity Theft Report.
This can also be done by phone (toll-free): 1-877-ID THEFT (877-438-4338); TDD (toll-free): 1-866-653-4261, or by mail
600 Pennsylvania Ave.
Washington DC 20580.