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Preventing Identity Theft

Identity Theft

On December 22, 2008 there was a joint press release from the Federal Reserve, FDIC, National Credit Union Administration, Office of the Comptroller of Currency, and the Office of Thrift Supervision announcing the publication of a revised brochure created to protect consumers from identity theft.  Below is some information contained in this brochure.

How To Protect Yourself

  • Never provide your personal information in response to an unsolicited request, whether it is over the phone or on the Internet.  Emails and Internet pages created by phishers may look exactly like the real thing.  They may even have a fake padlock icon that ordinarily is used to denote a secure site.  If you did not initiate the communication, do not provide any information.
  • If you are unsure whether a contact is legitimate, contact the financial institution.  You can find phone numbers and websites on the monthly statements you receive from your financial institution, or you can lookup the company in the phone book or on the Internet.  The key is that you should be the one to initiate the contact, using information that you have verified yourself.
  • Never provide your account information and/or password over the phone or in response to an unsolicited Internet request.  A financial institution would never ask you to verify your account information or confirm a password online.  Thieves armed with this information and your account number can help themselves to your money.
  • Review account statements regularly to ensure all charges are correct.  If your account statement is late in arriving or does not arrive, call your financial institution to find out why. If your financial institution offers electronic account access, check your account activity online regularly to catch unauthorized activity.

What To Do If You Fall Victim 

  • Contact your financial institution immediately and alert it to the situation.
  • Close accounts you think have been tampered with or opened fraudulently.  Call the security or fraud department of each associated company or financial institution.  Follow up in writing and supply copies of supporting documents.
  • It is important to notify credit card companies and financial institutions in writing.  Send your letters by certified mail, return receipt requested, so you can document when and what the company received.  Keep copies of your correspondence and enclosures.
  • Report all suspicious contacts to the Federal Trade Commission through the Internet at  http://www.ftc.gov/bcp/edu/microsites/idtheft/ or by calling 1-877-IDTHEFT (1-877-438-4338).
  • Check with your state Attorney General's office to find out if state law requires the police to take reports for identity theft.  Check the Blue Pages of your telephone directory for the phone number, or check http://www.naag.org/ for a list of state Attorneys General.  The Office of Kentucky Attorney General site is http://ag.ky.gov/contact.htm  
  • If you disclose sensitive information, contact one of the three major credit bureaus listed below and discuss whether to place a fraud alert on your file.  A fraud alert will help prevent thieves from opening a new account in your name.
  • Or find out when you are eligible for a free report.

    Visit http://www.annualcreditreport.com/
    Call 877-322-8228
    Write to:
    Annual Credit Report Request Service
    P.O. Box 105283
    Atlanta, GA 30348-5283