ID Theft Protection
Get ID theft protection through our partnership with ID Experts. Early detection means minimal damage and fast recovery.
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Keeping your identity safe is more important than ever before. When you consider how much of your information is transmitted online—things like bank account numbers, social security numbers and more—protecting your information is critical. Through a partnership with ID Experts, FirstCNB provides a comprehensive tool for early detection of all types of ID theft. Best of all, we provide you with access to Certified Recovery Advocates who will manage your recovery from start to finish.
ID Experts Includes:
- Identity Theft Protection Benefits
- Credit Monitoring
- Online account access
- Identity Theft Recovery Benefits
- Up to $1 million reimbursement insurance
- Personal Protection Advisory Newsletter
Learn about Identity Theft and how to protect yourself.
Q: What is Identity Theft?
A: According to the United States Department of Justice, the terms Identity Theft and identity fraud refer to "all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain."
Q: Why do I need Identity Theft protection?
A: Identity theft occurs every three seconds to someone in the U.S. With Identity Theft protection from ID Experts, you are advised extensively on how best to protect your ID. And if you fall victim to ID theft, one of our specially trained recovery advocates will work with you every step of the way to restore your identity and recover any lost funds.
Q: How can I find out my risk of becoming a victim?
A: With your ID Experts membership, you have access to a detailed protection test that will assess your current risk level and suggest additional proactive measures. It only takes a few minutes, and your plan will provide you with measures you can take to protect yourself from becoming a victim of Identity Theft.
Q: How prevalent is ID theft?
A: The FTC estimates that as many as nine million Americans have their identities stolen each year. That is about one every three seconds. In fact, you or someone you know may have experienced some form of Identity Theft.
Q: How do you find out you're a victim?
A: You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn't make or until you're contacted by a debt collector.
Q: What can happen if you're a victim?
A: While some Identity Theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. They may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports.
Q: How do thieves steal an identity?
Identity theft starts with the misuse of your personally identifying information such as your name and Social Security number, credit card numbers, or other financial account information.
Skilled identity thieves may use a variety of methods to get hold of your information. They may:
- Rummage through trash (Dumpster Diving) looking for bills or other papers with your personal information on it.
- Steal credit/debit card numbers by using a special storage device (Skimming Devices) when processing your card.
- Pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information (Phishing).
- Divert your billing statements to another location by completing a change of address form.
- Steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; new checks or tax information; and personnel records.
- Use false pretenses to obtain your personal information (Pretexting) from financial institutions, telephone companies, and other sources.
Q: What do thieves do with a stolen identity?
Once they have your personal information, identity thieves use it in a variety of ways.
Credit card fraud:
- They may open new credit card accounts in your name or change the billing address on your card so that you no longer receive bills and then run up charges on your account.
Phone or utilities fraud:
- They may open a new phone or wireless account in your name or run up charges on your existing account or use your name to get utility services.
- They may create counterfeit checks using your name or account number.
- They may open a bank account in your name and write bad checks.
- They may clone your ATM or debit card and make electronic withdrawals your name, draining your accounts.
- They may take out a loan in your name.
Government documents fraud:
- They may get a driver's license or official ID card issued in your name, but with their picture.
- They may use your name and Social Security number to get government benefits.
- They may file a fraudulent tax return using your information.
- They may get a job using your Social Security number.
- They may rent a house or get medical services using your name.
- They may give your personal information to police during an arrest. If they don't show up for their court date, a warrant for arrest is issued in your name.
Q: Can I still become a victim of Identity Theft if I am protected by ID Experts?
A: While we do everything possible to prevent ID theft from happening to our members, it can still happen. That is why we have a team of highly trained and experienced personal recovery advocates. If you become a victim of Identity Theft, you will be assigned your own recovery advocate who will work with you to do everything necessary to restore your identity.
Q: Why do I need to cover my family for ID Theft?
A: Children are particularly attractive targets for ID thieves because they often don't detect Identity Theft until they grow up and apply for credit or a student loan. With an ID Experts FraudStop Family Plan, your whole family will be protected from Identity Theft. And the Family plan is especially economical.
10 Ways to Avoid Fraud
Take measures at home and on the road to protect from Identity Theft.
Protect Yourself At Home
Protect Your Computer and Internet Access
- Switch to a mailbox with a lock.
- When you're away from home, place a hold on your mail.
- Shred documents containing financial or other personal information.
- Secure important documents in a safety deposit box or a fire-proof safe hidden at home.
- Stop newspaper delivery and garbage service if you're leaving town.
- Set up lights on timers to make your home look occupied when you're away.
- Have a neighbor you trust keep an eye on your home, and leave a number where you can be reached.
- Immediately notify the post office and anyone you do business with if you change your address.
- Place outgoing mail in a post office mail slot or hand it to a postal worker instead of leaving it at your home mailbox for pick-up.
- Review your credit card, bank account, and cell phone statements regularly to make sure there are no unauthorized charges.
Protect Yourself On the Road
- Protect your computer with a password and change them often.
- Never provide personal information in response to an unsolicited email.
- Avoid viruses and scams by updating your browser and email software.
- Use and regularly update your firewall and anti-virus/anti-spyware software.
- Never have your computer remember your password.
- Don't respond to instant messaging from unfamiliar users, and avoid instant message offers.
- Ensure the authenticity of email requests for personal information by typing the company's URL directly into your browser instead of clicking on a link in the e-mail.
- Don't send personal or financial information via email.
- Don't open email attachments or download files from strangers.
- Before doing business with any company, ask for and verify its name, street address, and phone number.
- Choose an Internet Service Provider and browser that use filtering software to limit spam in your email inbox.
- Never respond to email asking for your help in getting money out of a foreign country.
- Encrypt your wireless network as soon as you set it up.
- Use PayPal for transactions; cashier checks or money orders can be forged.
- Carry only credit cards and checks you absolutely need when traveling; keep identification and credit cards in a secure place on your person
- Make photocopies of the fronts and backs of your credit cards, driver's license, and passport and store the copies someplace other than your wallet in case of theft.
- Program the toll-free numbers for your credit card companies into your mobile phone in case of theft.
- Never leave valuables, phones, receipts, or other papers containing financial or personal information in your car.
- Keep receipts in a safe place until you can cross-shred or safely store them at home.
- Keep your mobile phone in a secure place on your person to avoid losing it. Activate the lock feature when not in use.
- If you must discuss personal or financial information over the phone, do so in your hotel room or another private place where you won't be overheard.
- Avoid downloading attachments from your email account onto a computer other than your own. Erase your browsing history and discard any personal files in the computer's trash or recycling bin, then empty it before logging off.
- Never enter or access personal information from a public-access computer or one in a hotel business center, as these can be fitted with hard-to-see key loggers that record your information.
- Be sure to eject any personal CDs, DVDs, or jump drives at the end of a session on a computer that isn't your own.
- Review your credit card, bank account, and cell phone statements regularly to make sure there are no unauthorized charges, especially after traveling or dealing with new merchants.
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