As reported by the Federal Trade Commission, identity theft is the number one complaint among consumers. For this reason, it is important that you protect yourself; and always take steps to shield your identity. Some easy steps you can take to prevent thieves from stealing your financial information include:
- Shred all pre-approved credit offers, credit and debit card receipts, insurance forms, financial statements, and other paperwork containing personal and financial information;
- Check credit union statements and other financial statements monthly for discrepancies;
- Don’t print your social security number on your checks and don’t carry your social security card in your wallet; and
- Be hesitant about giving personal or financial information over the telephone – make sure you know the caller and know how the information will be used. We will never ask you for personal information via e-mail or the telephone.
It is also important that you check your credit report regularly in order to ensure there are no discrepancies. Look for anything that seems out of the ordinary. As instituted by the Fair and Accurate Credit Transactions (FACT) Act, you can obtain a free yearly credit report by visiting www.annualcreditreport.com. You can also call 1-877-322-8228. Or mail to: Annual Credit Report Request Service P.O. Box 10528, Atlanta, GA 30348-5281. Unfortunately, identity theft is a problem that continues to grow. We are dedicated to helping you protect your personal information; and we will continue to take steps to ensure your identity is protected. Your safety is one of our main priorities. The following resources will help you in the event your identity is compromised.
Credit Reporting Agencies
Equifax: P.O. Box 105069, Atlanta, GA 30348. Report fraud: Call 1-800-525-6285 and write to address above. Order credit report: 1-800-685-1111. Web site: www.equifax.com Experian (formerly TRW): P.O. Box 9532, Allen, TX 75013. Report fraud: Call 1-888-EXPERIAN (888-397-3742) and write to address above. Fax: 1-800-301-7196. Order credit report: 1-888-EXPERIAN. Web site: www.experian.com TransUnion: P.O. Box 6790, Fullerton, CA 92834. Report fraud: 1-800-680-7289 and write to address above. Order credit report: 1-800-888-4213. Web site: www.transunion.com To opt out of pre-approved offers of creditfor all three bureaus, call 1-888-5OPTOUT. You may choose a five-year opt-out period or permanent opt-out status.
Social Security Administration
Report fraud: 1-800-269-0271. Order Earnings & Benefits Statement: 1-800-772-1213. Website: www.ssa.gov