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What to do if you have become a victim of identity theft?

  • Contact the fraud departments of any one of the three consumer reporting companies to place a fraud alert on your credit report. The fraud alert tells creditors to contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports.
  • Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit (PDF, 56 KB) when disputing new unauthorized accounts.
  • File a report with your local police or the police in the community where the identity theft took place. Get a copy of the report or at the very least, the number of the report, to submit to your creditors and others that may require proof of the crime.
  • File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.

 

 

 

 

QUICK LINKS

INTERNET BANKING ENHANCED SECURITY| Learn what steps Blackhawk is taking to protect you online.
 

WHAT TO DO IF YOU ARE A VICTIM? | Learn what actions you can take if you are a victim of Identity Theft.

 
INTERNET RELATED THREATS | Learn more about common Internet based threats and how to protect yourself from them.
 
PHONE AND MAIL SCAMS| While Internet attacks are common, thieves still use traditional means to attack.
 
KNOW YOUR BANK | Protect yourself from fraud by learning what Blackhawk Bank & Trust will and will not do.
 

DEFINITIONS | Not sure what phishing and pharming are? Check our definitions page.

 
LINKS| Information is power. Check out additional links to information to protect yourself.



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