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All is Not Lost:   Recovering from Identity Theft (Part II)
January 2018
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All is Not Lost: Recovering from Identity Theft (Part II)
A Message from Joey Root, President & CEO

In November’s Latest, we suggested some things that you could do to protect your identity. As a reminder, it was recommended that you:

  • not reveal personal information to parties unknown to you
  • review all your financial statements monthly
  • obtain virus protection for your computer
  • cancel your unused credit cards>
  • monitor your credit regularly by getting a credit report
  • consider an identity protection service

Of course, nothing is foolproof, and no matter what you do, you could still become a victim of identity theft. Though it is very frustrating and will take some time to remedy, if you do become a victim, all is not lost!  Here are three things you should do first if your identity is stolen:

1.    Call the Companies Where the Fraud Occurred – Most companies that provide credit will have a fraud department. You should explain that your identity was stolen and that you want your accounts closed or frozen. This way, no one can add new charges unless you agree. If you have online access, change your logins, passwords, and pins for your accounts.

2.    Place a Fraud Alert and Get Your Credit Reports – To place a fraud alert on all three of the primary credit reporting bureaus, you must only contact one of the companies. They are required by law to let the other companies know of the theft. Putting on the alert is free and will make it harder for someone to open new accounts in your name. You should receive a confirmation letter from each bureau confirming your alert. Websites and toll-free phone numbers for the three bureaus are as follows:

Experian.com/fraudalert         1-888-397-3742

TransUnion.com/fraud            1-800-680-7289

Equifax.com/fraud                  1-800-766-0008

In addition to the fraud alert, obtain your credit report from the agencies at annualcreditreport.com or call (toll-free) 1-877-322-8228. Carefully review your reports and make a note of any accounts you do not recognize.

3.    Report your Identity Theft to the Federal Trade Commission (FTC). The FTC will provide you with resources to assist you in recovering your identity including creating an Identity Theft Report (which grants you certain rights) and a specific recovery plan. You can create an account with the FTC at IdentityTheft.gov, and you will be walked through the process step by step.

I certainly hope your identity has not been compromised. But if it has, all is not lost! I hope these tips will help you in the event it happens to you.

Please don't hesitate to contact me at 405.608.1903 or jroot@myfirstliberty.com if there is anything I can do for you.

Best regards,

Joey P. Root

President & CEO


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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.
External links are provided for your convenience. The Bank does not endorse or guarantee the products, information, or recommendations provided by linked sites and the Bank is not liable for any products or services advertised on these sites. Each external site may have a privacy policy that differs from the Bank. Any linked site may provide less security than the Bank’s website and e-newsletter site.
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