ID Theft Brochure-Web

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					                   DETER                                                          DETECT                                                                DEFEND
Identity theft is a serious crime. It occurs when your
personal information is stolen and used without                Detect suspicious activity by routinely monitoring your            Defend against ID theft as soon as you suspect it.
your knowledge to commit fraud or other crimes.                financial accounts and billing statements.                         •   Place a “Fraud Alert” on your credit reports, and
Identity theft can cost you time and money.                    Be alert to signs that require immediate attention:                    review the reports carefully. The alert tells creditors to
It can destroy your credit and ruin your good name.                                                                                   follow certain procedures before they open new
                                                               •   Bills that do not arrive as expected                               accounts in your name or make changes to your existing
                                                               •   Unexpected credit cards or account statements                      accounts. The three nationwide consumer reporting
                                                               •                                                                      companies have toll-free numbers for placing an initial
Deter identity thieves by safeguarding your                        Denials of credit for no apparent reason
                                                                                                                                      90-day fraud alert; a call to one company is sufficient:
information.                                                   •   Calls or letters about purchases you did not make
                                                                                                                                           •    Equifax: 1-888-525-6285
•   Shred financial documents and paperwork with               Inspect:                                                                    •    Experian: 1-888-397-3742
    personal information before you discard them.
                                                               •   Your credit report. Credit reports contain information                  •    TransUnion: 1800-680-7289
•   Protect your Social Security number. Don’t carry your
                                                                   about you, including what accounts you have and your           Placing a fraud alert entitles you to free copies of your
    Social Security card in your wallet or write your Social
                                                                   bill paying history.                                           credit reports. Look for inquiries from companies you haven’t
    Security number on a check. Give it out only if
    absolutely necessary or ask to use another identifier.                                                                        contacted, accounts you didn’t open, and debts on your
                                                                   •   The law requires the major nationwide consumer reporting   accounts that you can’t explain.
•   Don’t give out personal information on the phone,                  companies - Equifax, Experian, and TransUnion- to give
    through the mail, or over the Internet unless you know             you a free copy of your credit report each year if you     •   Close accounts. Close any accounts that have been
                                                                       ask for it.                                                    tampered with or established fraudulently.
    who you are dealing with.
                                                                   •   Visit or call
                                                                                                                                      •   Call the security department or fraud departments of
•   Don’t use an obvious password like your birth date,                1-877-322-8228, a service created by these three
                                                                       companies, to order your free credit reports each year.            each company where an account was opened or changed
    your mother’s maiden name, or the last four digits of              You also can write: Annual Credit Report Request Service           without your okay. Follow-up in writing, with copies of
    your Social Security number.                                                                                                          supporting documents.
                                                                                           P.O. Box 105281
                                                                                           Atlanta GA 30348                           •   Ask for verification that the disputed account has been
•   Keep your personal information in a secure place at                                                                                   closed and the fraudulent debts discharged.
                                                               •   Your financial statements. Review financial accounts               •   Keep copies of documents and records of your
•   Carry only the identification information and credit and                                                                              conversations about the theft.
                                                                   and billing statements regularly, looking for charges you
    debit cards that you’ll actually need when you go out.         did not make.                                                  •   File a police report.

•   Be cautious when responding to promotions. Identity                                                                           •   Report the theft to the Federal Trade Commission.
                                                                                                                                      Your report helps law enforcement officials across the
    thieves may create phony promotional offers to get you                                                                            country in their investigations.
    to give them your personal information.
•   When ordering new checks, pick them up from the bank                                                                                       By Phone: 1-877-438-4338
    instead of having them mailed to your home mailbox.                                                                                        By Mail: Identity Theft Clearinghouse
•   Consider your computer. Update your virus protection                                                                                                Federal Trade Commission
    software regularly; Do not open files from strangers,                                                                                               Washington, DC 20580
    click on hyperlinks, or download programs from people
    or companies you do not know. Use a firewall pro-
    gram, especially is you use high-speed Internet.
Protecting your ATM / DEBIT CARD                                      Common Ways ID Theft Happens:                              DETER - DETECT - DEFEND

ATM / Debit Cards are easy to use and have become                     Skilled identity thieves use a variety of methods
more common and more popular. And because it is                       to steal your personal information including:
easy, it can become dangerous. Theft from ATM /
                                                                 1.   Dumpster Diving. They rummage through trash looking
Debit Cards is easier than you can imagine. Here are
                                                                      for bills or other paper with your personal information
some tips to help you learn how to use them safely.
                                                                      on it.
•   Never write your PIN on or near your card. Memorize it
                                                                 2.   Skimming. They steal credit/debit card numbers by
    instead. Don’t share your PIN, security code and other
                                                                      using a special storage device when processing your
    information with friends or relatives.
•   Don’t give out bank account information over the phone
                                                                 3.   Phishing. They pretend to be financial institutions or
    or the Internet unless you have initiated the contact or          companies and send spam or pop-up messages to get
    you know the person is who he or she claims to be. For            you to reveal your personal information.
    example, beware of deceptive calls or emails from
    crooks claiming to be from your bank or another              4.   Pharming. They acquire a domain name for a legit

    company asking you to “verify” (divulge) your account             website and redirect the website’s traffic to another

    information. Don’t fall for it!                                   fraudulent website.

                                                                 5.   Changing your Address. They divert your billing state-
•   When making purchases on the Internet or over the
                                                                      ments to another location by completing a “change of
    phone, it is best to use a credit card. Consumer
                                                                      address” form.
    protections are stronger for credit cards. If you use your
    debit card to shop online, consider extra precautions        6.   “Old-Fashioned” Stealing. They steal wallets and
    with your personal computer.                                      purses; mail, including bank and credit card statements;
                                                                      pre-approved credit officers; and new checks or tax
•   Take precautions at the checkout counter, ATM and gas
                                                                      information. They steal personnel records from their
    pump. Always stand so that no one can see the keypad
                                                                      employers, or bribe employees who have access.
    where you enter your PIN.

•   Look at bank statements as soon as they arrive. Or,
    better yet, review your account each week by phone or                        ELDERTON STATE BANK
    Internet. Promptly report any discrepancy.                                      Elderton * Kittanning * Rural Valley
                                                                                                                                  Fighting Back Against
                                                                      Helping you DETER - DETECT- DEFEND against
                                                                            ID theft and other financial crimes.                    IDENTITY THEFT