Consumer Protection



Carry only necessities on a daily basis. Items like a Social Security card should be stored safely at home. Do not provide your complete Social Security number unless absolutely necessary. When an entire Social Security number is requested to sign up for a service, confirm that it is actually needed rather than some other identifier.

Make photocopies of vital information you carry on a regular basis and store them in a secure place.
Limit the use of paper statements. Shred documents containing personal or financial information before discarding. Most fraud and identity theft incidences happen as a result of mail and garbage theft.

Review your credit report. Look over your credit report regularly – at least once a year – for any inaccuracies.
Limit the credit offers you receive. If you would like to reduce the number of credit offers you receive and the information companies share about you, contact the National Consumer Credit Reporting Agencies at 1-888-5-OPTOUT (1-888-567-8688).

Remove your name from marketing lists. The Direct Marketing Association (DMA) is responsible for notifying its members that they must remove your name from the lists they sell. The members include the agencies and companies that compile mailing and telemarketing lists. Your name and address remain in the DMA’s consumer exclusion files for five years.


Be wary of suspicious emails. An email requesting your account information and password should be scrutinized carefully, particularly if the information is needed to “award a prize” or “verify a statement.” Avoid opening any questionable emails. If you have opened an email, do not open any attachments or links it may contain, and delete it. Any email sent from your credit union will be personalized with your name in the body of the email. Fraudulent email scams almost always address their emails to “customer or member or client”. Please contact us immediately if you receive a suspect email claiming to come from Fairfax County Federal Credit Union

Protect your passwords. Memorize your passwords. Do not write them down or share them with anyone. Change them regularly and use combinations of letters and numbers. Do not use your Social Security number as a username or password.


Report lost or stolen cards and checks immediately.

Review account statements carefully. Make a habit of thoroughly reviewing your latest account statements. This is one of the best ways to notice and stop fraudulent activity quickly.

Ask about suspicious charges. Do not hesitate to contact Fairfax County Federal Credit Union or the appropriate credit card issuer if you see questionable charges. Contact our Communication Center at (703) 218-9900.

Cancel and cut up unused credit cards. If you have an open account that you no longer use call the creditor to cancel it and cut up the card before throwing it out (the same is true for unused or expired cards of all types).

Keep your ATM password secure. Do not use obvious or easily obtainable information (like your birth date) for your password. Avoid writing it down and never share your password.

Be aware of your surroundings and exercise caution when using an ATM. Using common sense will make your transactions safer.

Limit personal information on checks. Do not have excess personal information like your driver’s license number or Social Security number printed on your checks.


Be aware of telephone scams. Unless you initiated the contact, do not give out personal information over the telephone. Fairfax County Federal Credit Union will never make an unsolicited telephone request for your account information, password, or other sensitive data.

Promptly retrieve incoming mail. Collect your mail as soon as possible every day to limit the opportunity for theft.
Do not place outgoing mail in your mailbox. Deposit mail in a U.S. Postal Service mail box or at the post office to reduce the chance of mail theft.

Know your billing and statement cycles. Contact the company’s customer service department if you stop receiving your regular bill or statement.