Identity Theft
What is Identity Theft?
Identity theft happens when someone steals your personal information — like your Social Security number, bank account details, or credit card numbers — and uses it to commit fraud. This could mean opening fake accounts or making unauthorized purchases in your name.
How You Can Stay Protected
Keeping your identity safe is easier than you think. Here are some simple ways to protect yourself:
- Be cautious with your personal info. Only share it when you’re sure who you’re dealing with and how it will be used.
- Think before you give out your SSN or driver’s license. If it’s not necessary, don’t share it.
- Leave sensitive documents at home. Never carry your Social Security card in your wallet or purse.
- Stay on top of your credit. Request a free credit report annually and monitor it for any suspicious activity. Many credit card companies also offer monthly credit updates.
- Check your bank accounts often. Watch for unexpected charges or changes.
- Shred sensitive documents. Old statements, checks, and expired cards should never be tossed in the trash unshredded.
If you Suspect Identity Theft
If you believe your identity has been compromised, take these steps right away:
- Call your local Carrollton Bank branch. We’ll help place an alert on your account and walk you through the next steps.
- Close affected accounts. We’ll assist you in shutting down compromised accounts and opening secure replacements.
- Report the theft to the FTC. Visit ftc.gov to file a complaint. This helps authorities investigate and prevent further fraud.
- Contact the credit bureaus. Add a fraud alert and request a credit report to check for unauthorized activity:
- Equifax: 1-800-525-6285
- Experian: 1-888-397-3742
- TransUnion: 1-800-680-7289
- File a police report. A police report can serve as official proof if creditors or others need documentation of the fraud.