Identity Theft

Learn how to avoid identity theft – and learn what to do if your identity is stolen.

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The Crime of Identity Theft
Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. With so much personal data moving back and forth, it’s no surprise that identity theft is the fastest growing crime in the country.

Once they have your personal information, identity thieves use it in a variety of ways:

• Bank Fraud
  They may open a bank account in your name and write bad checks, create counterfeit checks using your account number, or take out a loan in your name.
• Credit Card Fraud
  They may open a credit card in your name. In addition, they could change the billing address on your credit card and the make purchase on your account that you are unaware of because you aren't receiving a statement
• Utilities Fraud
  They may use your name to get utility services like a telephone, electricity, heating, or cable TV.
• Other Fraud
  They may get a job using your Social Security number, get medical services using your name or give your information to police during an arrest. Your name and Social Security Number could be used to get government documents or a driver's license that features their picture.
  

Tips For Combating Identity Theft

Information to Help Keep You Safe
We have developed two guides to help you secure and protect your information:

• Avoiding Identity Theft: Steps You Can Take Right Now to Protect Yourself
• Identity Theft: A Guide to Taking Action if You Are a Victim

Review Your Credit Report Regularly
When it comes to credit, most people check theirs when it’s time to take out a loan. Unfortunately, this is often when people discover errors – or worse identity theft. The best time to manage your credit is before you need it. Find out the best place to obtain a free copy of your credit report.

Report Suspicious Activity
If you suspect your ATM card, checks, or credit card have been lost, stolen, or compromised you should report this information to 1st Source immediately. You should also contact us immediately if you receive suspicious e-mail messages appearing to come from 1st Source.