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Identity Theft

Your actions go a long way toward preventing fraud and identity theft. Here is how to protect yourself, and what to do if it happens.

1. Protect your personal information

  • Protect your Social Security number. Don't carry your Social Security card or birth certificate.
  • Shred documents that contain personal information.
  • Use a unique password for each account, and never one that reveals personal information such as your date of birth.
  • Verify who you are dealing with before you share information.
  • Store documents in a secure place, and never leave receipts behind.
  • If a replacement card does not arrive before your card expires, contact the issuer.

2. Monitor your accounts

Check your accounts, billing statements and credit report regularly. Act quickly on:

  • bills that do not arrive when expected;
  • calls or letters about purchases you did not make;
  • cards you did not apply for;
  • wrong or fraudulent information on your credit report.

3. Watch out for phishing

Improvemint Financial will never email you asking for your password, card number or other private information. If an email asks for it, don't reply. Be careful with messages that appear to come from us. Phishing messages often:

  • warn of unauthorized access to your account;
  • threaten to suspend or close your account;
  • report suspicious or fraudulent charges;
  • offer a reward for completing a survey;
  • announce changes or upgrades to our online services.

4. If you suspect fraud or identity theft

If you believe your personal information was used without authorization to open an account with Improvemint Financial, please contact us as soon as possible. You can reach our customer support team at (855) 447-4921 or info@improvemintfinancial.com.

Our team will review your concerns and may request supporting documentation to help investigate your claim. Supporting documentation may include an FTC Identity Theft Report, a police report, identification documents or other relevant information, depending on the circumstances and applicable law.

We will review the information provided, investigate the disputed activity, and communicate our findings or request additional information when necessary. Identity theft claims, consumer reporting disputes and related collection activity will be handled in accordance with applicable law.

You remain responsible for legitimate account obligations unrelated to the disputed fraudulent activity.

5. Other steps to take

  • Place a fraud alert on your credit reports and review them carefully. An initial fraud alert lasts one year and can be extended.
  • Close accounts you know or believe were compromised or opened without your permission.
  • Contact your local police and file a report.
  • Call the Federal Trade Commission's identity theft hotline at 1-877-438-4338 (1-877-ID-THEFT), or visit identitytheft.gov.

The three nationwide credit reporting agencies

Agency Credit report Report fraud
Equifax 1-800-685-1111 1-800-525-6285
Experian 1-888-397-3742 1-888-397-3742
TransUnion 1-800-888-4213 1-800-680-7289

You can ask each agency to notify you before new accounts are opened or existing accounts are changed in your name. If anything in a report is wrong, dispute it and check later that it was corrected. You can get free credit reports at annualcreditreport.com.

More help

The Identity Theft Resource Center, a nonprofit organization, offers free assistance at 1-888-400-5530 and idtheftcenter.org.