Identity Theft Solutions
HOW THIEVES STEAL YOUR IDENTITY
They may call your credit card issuer to change the billing address on your account. The imposter then runs up charges on your account. Because the bills are being sent to a different address, it may be some time before you realize there’s a problem. They may open new credit card accounts in your name. When they use the credit cards and don’t pay the bills, the delinquent accounts are reported on your credit report.They may establish phone or wireless service in your name. They may open a bank account in your name and write bad checks on the account.They may counterfeit checks or credit or debit cards, or authorize electronic transfers in your name, and drain your bank account.They may file for bankruptcy under your name to avoid paying debts they’ve incurred under your name, or to avoid eviction.They may buy a car by taking out an auto loan in your name. They may get identification such as a driver’s license issued with their picture, in your name.They may get a job or file fraudulent tax returns in your name.They may give your name to the police during an arrest. If they don’t show up for the court date, a warrant for arrest is issued in your name.
HOW CAN YOU TELL IF YOU’RE A VICTIM? Failing to receive bills or other mail. This could mean a thief has submitted a change of address. Receiving credit cards for which you did not apply.Denial of credit for no apparent reason.Receiving calls from debt collectors or companies about merchandise or services you didn’t buy.
PROTECT YOURSELF…GET YOUR FREE CREDIT REPORT
To obtain your free credit report, go to the government-approved website, www.annualcreditreport.com.
Your bank, ESB Financial, has shred bins located in our bank lobbies for clients use.
Identity Theft Resources
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