Identity Theft Warning Signs:
1. Fraudulent charges on your Bank statement or credit card statement.
2. Your Bank statement or credit card statement do not arrive.
3. Bills arrive for goods or services you did not request.
4. Suspicious inquiries are on your credit report.
5. Phone calls from creditors.
6. Suddenly denied credit.
What to do if you become an identity theft victim:
1. Call your financial institution and credit card companies immediately.
2. Check your credit report immediately for any suspicious activity and
then monitor it periodically. You can order a free annual credit report at
3. Request a “fraud alert” and “victim’s statement” be placed on your credit file.
Request creditors to contact you before they open any new accounts or change
existing accounts. Contact any one of the three major credit bureaus below.
PO Box 740250
Atlanta, GA 30374
PO Box 1017
Allen, TX 75013
PO Box 6790
Fullerton, CA 92634
4. Contact the Federal Trade Commission (FTC) theft hotline: 1-800-438-4338 or
5. File a report with the Adams County Sheriffs Department and obtain a copy of
the police report to use as proof for creditors to absolve any fraudulent debts.
6. Call the Social Security Fraud Hotline: 1-800-269-0271
Additional information available:
Nebraska Attorney General’s “Identity Theft Repair Kit”
“Take Charge: Fight Back Against Identity Theft”
What is Phishing and how does it work?
“Phishing” is a type of internet piracy where criminals fish for your personal information. They will try to get your account numbers, passwords, Social Security number and other confidential information they can use to get access to your checking account or credit cards. They can access funds in your accounts, run up charges on your credit cards and open new accounts or loans in your name.
The criminals may send an email to you that appears to come from a reputable company that you recognize or do business with or it may appear to come from a government agency.
The email will probably warn you that there is a serious problem that needs your immediate attention.
The email will require you to click on a button or link to go to the website for the “Immediate Action Required”. You will be redirected to phony website that may look very legitimate. You may be asked to provide personal information for verification purposes, such as your Social Security number, account number, password or information you may use to verify your identity such as your mother’s maiden name
If you provide the requested information you may find yourself the victim of identity theft!
1. Never provide your personal information to a caller over the phone, over the internet, or by email
2. You should be the one to initiate the contact if providing personal information is required. You should call the financial institution or company by using a phone listed in a phone book directory that you have verified yourself.
3. Never provide your password over the phone, the internet or by email. A financial institution would never ask you to verify your account information online.
4. Review your account statements regularly to make sure all the charges are correct. If your statement is late in arriving call your financial institution to find out why. If your financial institution offers electronic banking access it periodically to review your account activity and catch any suspicious activity.
5. If you suspect any fraudulent activity on your account contact your financial institution immediately.
6. If you have given out any of your personal information to a caller, on the internet or by email contact your financial institution immediately.
Social Media – Be Smart About What You Share & Who You Share It With:
Social media sites encourage users to provide as much personal information as possible, exposing them to identity theft and fraud. The criminals can steal personal information posted or shared by using a program that records the keystrokes.
• Set you social media profile and everything you post as private, limited to only your friends and only connect with people you know and trust.
• Create strong passwords using upper & lower case letters, numbers and characters. Change passwords frequently. Avoid using information like date of birth, hometown, school attended, year of graduation, etc.
• Do not give out your user name or account details to anyone.
• Do not download free applications for use on your profile. If might contain malicious malware that will download on your computer.
• Do not participate in quizzes that may require you to divulge personal information.
• Do not click on links that take you to another website, even if it was sent to you by a friend or on your friend’s profile.
• Do not fall for email scams (phishing) that ask you to update your social media by clicking on a link.
• Regularly update your anti-virus software to prevent malicious software from being downloaded on your computer that will allow criminals to steal personal information.