Crime is Heating Up

The weather is warming up, and so is crime, particularly smash and grabs, and I know what you're thinking. "Krista, you work for a credit union – what would you know about crime?" As it happens, plenty. You see, criminals use stolen property to commit identity theft. What is the primary motivator behind identity theft? MONEY. What are credit unions known for? Well, great service, but also, MONEY.

Smash and Grab

This type of crime is exactly what it sounds like. Criminals force entry into a building or car and grab whatever they can get their hands on. They don't think twice about breaking your window or stealing your stuff. Don't give them a leg up! Leaving your valuables in your car is making it easy on them. Here are some ways you can help protect yourself from becoming a victim.

·  Lock your doors.

As soon as you enter your car, lock your doors and keep them locked. When you arrive at your destination, have your belongings ready before you exit the car. Upon leaving your vehicle, lock the door immediately. Sure, a criminal can still break your window but don't give them any extra incentive to choose your car as their target.

·   Never leave items of value in your car, even if they are out of sight.

Everyone knows cars have trunks. Just because you can't see your purse or wallet in the trunk doesn't mean a resourceful thief won't take a chance that there is something worthwhile in there. Don't risk it.

· Pay attention to your surroundings.

Cars with out-of-state plates, rental cars, and people hanging around in a parking lot are all things to watch out for. Similarly, if you notice someone outside upon arrival and they are still there when you leave, that is a red flag.

·   Parking.

Park as close as possible to your destination and near lighting, if possible. When you return to your car, have your keys ready to enter your vehicle BEFORE you exit the building.

Once in their possession, thieves can use your ID, checks, credit and debit cards, and other documents to commit identity theft. If you find yourself in this situation, here's what you should do.

· Contact the police. Report damaged property and suspected ID theft.

·  Lock your credit and debit cards immediately.

·  Freeze your credit reports and consider placing an alert as well. Be sure to act on all three major credit bureaus.

· Notify your credit union that you have been a victim of fraud. They can place additional alerts on your account.

So, we've learned that if it is important to you, take it with you. Even if it doesn't seem convenient, I can guarantee that identity theft and its repercussions are more of a burden than taking your purse or wallet with you on your errands.

Do you have anything to add? I want to hear from you. Leave a comment below or email me.

Krista Kyte is a personal finance blogger and personal banker with over 21 years of experience in the financial industry. Krista is passionate about helping our members understand their financial situations. She writes tips that help consumers reach and maintain financial security and start living the life they've always wanted.