Notify Lakestone Bank & Trust immediately at 810.245.2950, as well as any other financial institutions you use, if you are a victim of Identity Theft.
Close all accounts in your name that were opened without your permission and those that have been associated with fraud. Make sure you communicate with the businesses in writing.
ID Theft Assistance Guide offers step by step instructions on what to do if you are a victim of identity theft.
Inform the following organizations and authorities:
Contact the three Credit Reporting Bureaus and request a fraud alert be placed on your credit report.
- Equifax: 800.525.6285
- Experian: 888.397.3742
- TransUnion: 800.680.7289
File a report with your local law enforcement agency; be sure to obtain a case number and a copy of the report. Even if the person responsible isn't caught, filing the report can help in clearing up your credit records.
Follow up by notifying the Federal Trade Commission (FTC) online or by phone at 877.ID.THEFT. They will assist you in completing an Identity Theft Affidavit.
If you identify suspicious activity in your investment accounts, alert the Securities and Exchange Commission (SEC) by calling 800.732.0330.
Minimize your risk by managing your personal information.
- Monitor bank activity.
- Create strong passwords and memorize them.
- Store your checks, checkbook and personal information in a safe place.
- Do not give out personal information (on the phone, through the mail, by fax or over the Internet) unless you have initiated the contact.
- Before sharing your personal information with merchants, understand how it will be used.
- Keep track of your debit and credit cards.
- Lock up your car, house and valuables.
- Guard trash from theft and shred all documents containing personal information.
- Use anti-virus software on computers and do not login to unsecure networks while transmitting personal information.