Are you a victim of Identity Theft?
If you are a victim of identity theft, click here and follow the steps outlined in this document as soon as possible. If you have trouble viewing the document, contact Sutter Community Bank at 530-674-8900.
Tips for reducing the risk of becoming a victim
- Check your Credit Report twice a year and examine it thoroughly
- Consider adding a statement to your credit file that makes it more difficult to grant credit without calling you to confirm the application
- Make it harder for ID thieves to get "identifying material" from your mail and mailbox
- Carry only the credit card you would use in an emergency and keep all other credit cards at home
- On the back of your credit cards, write "Always check ID"
- Do not have your drivers license or social security number printed on your checks
Common Identity Theft Scams
You Need To Watch Out For
The Lottery Winner
You receive a letter or phone call that you've won some foreign lottery. All they need is the name and address to make the check out to, and your social security number (for tax purposes, of course). Don't fall for it.
Many identity theft criminals rely on people's greed to get their foot in the door. If you didn't buy a lottery ticket, you didn't win any lottery and if you did by chance win the lottery, you wouldn't be asked for this personal information over the phone or via email or snail mail.
You put your resume online hoping to land the job of your dreams. An out-of-state company calls you to tell you they'd like to hire you for a fabulous position. They fax you a job application and tax forms. All you have to do is fill them out and return them and you're hired. At least, that's what they want you to believe.
Unfortunately, the company asking for your personal information may be an identity theft criminal with less-than-ethical intentions. Don't ever give your personal information out to a company you don't know. It could land you in the identity theft victim's seat.
You're An Heir (or Heiress)
You get a call that your distant cousin, the Duke of Somewhereville, has left you a million dollars. You just need to provide the caller with your social security number and the routing and account number of the bank account you want your inheritance wired to.
This too, is an identity theft scam. Instead of wiring money in, the criminal takes the money out and then steals your identity to boot. Keep your personal info to yourself. If you do, by chance, become the heir or heiress of a large fortune, get the person notifying you to contact your attorney. It's the only way to be sure the situation is legit.
Phishing is when thieves trick people into providing their Social Security Numbers, financial account numbers, PIN numbers, mother's maiden names and other personal information. Phishing is primarily perpetrated via e-mail. Here's how it works: You receive an e-mail from an organization with which you do business, such as a financial institution, credit card company, utility or other biller, Internet Service Provider, online retailer or government agency. The e-mail typically includes bogus appeals such as problems with your account or billing errors, and asks you to confirm your personal information. To encourage people to act immediately, the e-mail usually threatens that the account could be closed or cancelled. Most e-mails ask recipients to follow an embedded link that takes them to an exact replica of the victim company's website. Often, the fake website looks exactly like the real thing. Graphics on the counterfeit site are so convincing that even experts can have a hard time distinguishing the fake site from the real one. Phishing victims enter their personal information on the website - and into the hands of identity thieves. Some phishers also use the phone to hunt for personal information. Some, posing as employers, call or send e-mails to people who have listed themselves on job search websites.
Protecting & Restricting Use of Your Personal Information
To Remove Your Phone Number >From Solicitors
Fill-out the form at the National Do Not Call Registry.
Or Call 1-888-382-1222
To Remove Your Name From All Pre-Approved Credit Solicitations
Fill-out the form at the Opt Out Prescreen website
Or Call 1-888-5OPTOUT (1-888-567-5688)
Or send a letter to the following credit reporting agencies:
Experian Consumer Services
901 West Bond St.
Lincoln, NE 68521
Equifax Credit Information Services
PO Box 740241
Atlanta, GA 30374
Name Removal Option
PO Box 505
Woodlyn, PA 19094