ID Theft - What You Should Know
Identity theft involves stealing a person’s identity and applying for credit or bank accounts in the victim’s name. The victim is left to deal with the collectors and merchants who demand payment on bills the criminal has left behind.
To educate yourself about Identity Theft and what you can do about it please watch the featured Identity Theft Protection videos.
No one is immune to identity theft, but you can take action to help avoid becoming a victim. Following are a few suggestions on how to protect your name and good credit.
- Carefully guard your personal information and be selective about whom you share it with. Personal information includes such things as your name, address, phone number, driver's license number, social security number, credit card numbers, birth date, and mother's maiden name.
- Carry as few credit cards and forms of ID as possible. There's no reason to carry your social security card in your wallet.
- Keep a list or photocopies of all information you carry in your wallet or purse. Store this information in a secure location.
- Shred documents that contain your personal information and account numbers before you throw them away. This includes unsolicited credit card applications.
- Don't print your driver's license or social security number on your checks.
- Examine your credit report at least once a year. (See below.)
If you find yourself a victim of identity theft, immediately take the following actions:
- File a police report.
- Contact the fraud departments of each of the three major credit-reporting agencies listed below. Request that they place a "fraud alert" on your file and that no new credit be granted without your approval.
- Contact Centrue Bank's Call Center at 1-800-452-6045 to close your defrauded accounts and open new accounts.
For more information about identity theft visit:
Free Credit Reports Access
Consumers in can request a free copy of their credit report from the three top reporting agencies. For your report, you can:
- Visit the Web site at http://www.annualcreditreport.com
- dial (877) 322-8228; or
- mail a standardized form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, Ga. 30348-5281.
Centrue Bank wants to help you stay on top of your credit and avoid surprises. We recommend that you request and check your credit report once a year. Visit these links to the sites of the three major credit reporting agencies.
Equifax : 1-800-685-1111
Trans Union: 1-800-888-4213
The Anti-Phishing recommendations:
- Do not reply to the unsolicited e-mail or respond by clicking on a link within the unsolicited e-mail message.
- Contact the actual business that supposedly sent the e-mail through a secure Web site or a phone number that you know to be legitimate.
- Enter personal data only on Web sites known to be legitimate and secure—look for a “locked padlock” in the browser or “https” at the beginning of the Web site address for proof of security.
- Update anti-virus software and security patches to system software regularly.
- Check statements regularly, verify all transactions and notify financial institutions immediately of suspicious transactions.
- Forward suspicious e-mails to the Federal Trade Commission at email@example.com or file a complaint with the FTC at www.ftc.gov or by calling 877-ID-THEFT.
Centrue Bank will never ask you for personal information. We will never contact you via telephone, text message or email asking for any account information, passwords or debit card PIN numbers. If you receive a call of this nature, do not give out any information and contact your local branch immediately.
Thank you for choosing Centrue Bank for your banking needs.