If you feel that your LSB Debit Card has been compromised please call 866-842-5208.
The best way to protect your money and identity is to be proactive.
When it comes to identity theft, you can’t control whether you will become a victim. But there are certain steps you can take to minimize your risk of identity theft.
- Order a free annual report from the national consumer reporting companies.
1-877-322-8228 or visit www.annualcreditreport.com.
- Assign a password on all credit cards, bank and phone accounts. Avoid using easily available information such as birthday or pet's name, etc.
- Secure personal information in your home.
- Never give out personal information on the phone, though the mail or on the internet unless you have initiated the contact.
- Treat your mail and trash carefully. Take outgoing mail to the post office or collection boxes. Never leave mail in your mailbox. If you are planning to be away from home call the post office and request them to hold it until you return. Shred all trash that would reveal any personal information; credit applications, insurance forms, physician statements, expired cards.
- To opt out of receiving offers of credit in the mail, call: 1-888-5-OPTOUT (1-888-567-8688)
- Do not carry your SSN card. Leave it in a secure place. Only give out your SSN when absolutely necessary.
- Carry only the ID and credit/debit cards that you’ll actually need when you go out.
- Be cautious when responding to promotions.
- Keep your purse or wallet in a safe place at work.
- Keep virus protection software updated on all computers and devices.
- Do not open files sent to you by strangers or click on links or downloads from people you don’t know.
- Use a secure browser to guard your online transactions.
- Try not to store financial information on your laptop unless absolutely necessary. If you do, use a strong password – a combination of letters, numbers and symbols. Do not use an automatic login feature that saves your user name and password. Always log off when you are finished.
- Before you dispose of a computer or smart phone or other device, delete all your stored personal information.
Despite your best efforts to manage the flow of your personal information or to keep it to yourself, skilled identity thieves may use a variety of methods to gain access to your data. Some of their methods include stealing wallets, purses or mail which contains bank and credit card information, credit card offers, checks and tax information. They may steal your debit/credit card number to be used for purchases or sold to a third party. They may also steal personal information through email or phone by posing as legitimate companies and claiming you have a problem with your account.
If you are a victim of identity theft, take the following steps as soon as possible, and keep a record with the details of your conversations and copies of all correspondence.
- Place a fraud alert on your credit reports.
- Equifax: 1-800-525-6285; www.equifax.com or P.O. Box 740241, Atlanta, GA 30374-0241
- Experian: 1-888-397-3742; www.experian.com; P.O. Box 9532, Allen, TX 75013
- TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
Once you place the fraud alert in your file, you’re entitled to order free copies of your credit reports.
- Close the accounts that have been tampered with.
- File a report with your local police or the police in the community where the theft took place.
- File a complaint with the Federal Trade Commission; 1-877-438-4338, www.consumer.gov/idtheft, or write 600 Pennsylvania Ave., NW Washington, DC 20580
Tips for organizing your case:
Accurate and complete records will help you to resolve your identity theft case more quickly.
- Have a plan. When you contact a company don’t assume the person you talk to will give you all the information you need. Prepare a list of questions to ask the representative. Don’t end the call until you’re sure you understand everything you’ve been told.
- Write down the name of everyone you talk to, what they tell you and the date.
- Follow up in writing with all contacts you’ve made.
- Keep copies of all correspondence or forms you send.
- Keep originals of all supporting documents, like police reports and letters to and from creditors; send copies only.
- Set up a filing system for easy access to your paperwork.
- Keep old files, even if you believe your case is closed. Once resolved, most cases stay resolved, but problems can crop up.