theft occurs when a person's identity is
stolen for the purpose of opening credit
accounts, stealing money from existing
accounts, applying for loans, or committing
crimes. Here are a few guidelines that will
make it more difficult for fraud artists to
put your Social Security number,
driver's license number, or other
unnecessary information on your checks.
disclose information to strangers on the
Internet, by telephone, or through the
or destroy credit card offers and other
documents that contain personal
Examine statements for unauthorized
E-Mail Fraud and "Phishing"
is a form of fraud that uses
authentic-looking e-mail to convince people
to send their credit card numbers, bank
account information, Social Security
numbers, passwords, and other confidential
and private information to an unknown
person. In the e-mail, the perpetrator uses
various means to convince customers that
they are receiving a legitimate message from
someone whom the customer may already be
doing business with, such as a bank.
Techniques such as a false "from" address or
the use of seemingly legitimate bank logos,
Web links, and graphics may be employed to
mislead the customer. Here are few tips
that will make it more difficult for fraud
artists to target you:
send confidential or financial
information in an e-mail message.
click Web links in suspicious e-mails.
enter confidential or financial
information in an online form that you
accessed from a Web link in a suspicious
"From" address in an e-mail message is
Contact the Bank that the message
appears to be from if you receive an
e-mail asking for private or
additional Phishing information, please
Federal Trade Commission website.
Become a Victim of Identity Theft…
thieves can cause a lot of damage in a short
amount of time. The most important thing
you can do if someone steals your identity
is to act quickly.
the theft to the three major
Order a credit report: 1-800-685-1111
Report fraud: 1-800-525-6285
Order a credit report: 1-888-397-3742
Report fraud: 1-888-397-3742
Order a credit report: 1-800-916-8800
Report fraud: 1-800-680-7289
Heartland National Bank and ask us to flag
your account and contact you regarding
any unusual activity.
the issuers of the credit cards you carry.
If unauthorized charges appear on your
legitimate credit cards or if unauthorized
cards have been issued in your name.
4. File a
complaint with the
Federal Trade Commission. Ask for a
free copy of ID Theft: When Bad Things
Happen in Your Good Name, a guide that will
help you guard against and recover from your
your local police department to file a
information on Identity Theft, please visit
the Federal Trade Commission's Identity
Theft Site by clicking