Identity Theft PC1359-Digital

RISK MANAGEMENT

IDENTITY THEFT

Learn How to Protect Yourself and How to Recover if You Become a Victim of Identity Theft

Identity theft occurs when someone wrongfully obtains and uses your personal data in a fraudulent or deceptive way, typically for economic gain. PROTECT YOURSELF   Report lost or stolen credit cards immediately   Shred all documents containing any personal and/or financial information before throwing them away

Wealth | Investments | Planning Commerce Trust Company

RISK MANAGEMENT

IDENTITY THEFT

  Check all your monthly statements to ensure you can account for each transaction   Review your credit report regularly. Go to www.annualcreditreport.com or call 1-877-322-8228 or to order   Store all personal information in a secure location. Key information to store safely includes your Social Security Number (SSN), tax returns, billing information, and health and personal records.   Never respond to an email or a text message that asks for personal information   Cancel all inactive credit card accounts

  Use anti-spyware and anti-virus software on your computer

  If you shop or bank online, only use websites that protect your financial information with encryption. An encrypted site has “https” at the beginning of the web address

RISK MANAGEMENT

IDENTITY THEFT

  Create passwords that mix letters, numbers and special characters. Use separate passwords for each account   Do not leave bill payments in your mailbox for pickup by your letter carrier. Instead, drop them off directly at the post office or an authorized postal box   Know the expiration date on your credit cards. If you do not receive a new card before the expiration date, contact the credit card company directly   Consider placing a vacation hold on your mail and newspapers if you will be away from home for more than a day RECOVER FROM IDENTITY THEFT If your identity is stolen, it is critical that you take action quickly. Regain control of your identity by following these steps:   Do not leave incoming mail in your mailbox

RISK MANAGEMENT

IDENTITY THEFT

1. Close any accounts you suspect have been misused or opened illegally. Contact the fraud departments for each of your creditors, including accounts that haven’t been affected. 2. Create a log of all the contacts you make regarding the theft. Write down each person’s name, title, phone number, and the date and time of the conversation in case you need to contact him or her again or refer to that conversation later. 3. Call the Federal Trade Commission’s (FTC) Identity Theft Hotline at 1-877-438-4338 or report online at www.ftc.gov/ idtheft. After you finish providing details of all the accounts that have been affected by fraud, print a copy. This copy is your Identity Theft Affidavit, which can be used to report the same information to different companies, such as the three major credit bureaus, as well as banks or creditors where fraudulent activity has taken place. 4. Contact one of the three national credit bureaus (Equifax, Experian and TransUnion) to place a fraud alert in your file, and request a free copy of your credit reports.

RISK MANAGEMENT

IDENTITY THEFT

5. Take your FTC Identity Theft Affidavit when you file a report at your local police department. Get the police report number and a copy of the report. Together, your FTC Identity Theft Affidavit and your police report make an Identity Theft Report. 6. Change all your account passwords to something difficult to guess. 7. Consider requesting new account numbers for all your accounts, even those that haven’t been used fraudulently. Consider changing your bank account number(s). Depending on the severity of the impact, you may want to contact the Social Security Administration at 1-800- 772-1213 to see if it recommends issuing you a new SSN.

Contact a Commerce Trust advisor for other educational topics that may benefit you. 1-855-295-7821 | commercetrustcompany.com

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