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Identity theft can occur in a number of different ways. Identity theft occurs when someone illegally obtains your personal information – such as your Social Security number, bank account number, or other identification – and uses it repeatedly to open new accounts or initiate transactions in your name.
In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful Phishing scam, these thieves can do damage to your financial history and personal reputation that can take years to unravel. If you know what to look for and how it happens, you can self-detect identity theft before it happens, minimizing losses.
Always keep in mind that New Omni Bank, N.A., will not send you unsolicited emails with embedded links or pop-up windows that ask for confidential information. We will never ask you to provide personal information or account information via our Web site or by email. If you ever receive a suspicious request for confidential information that purports to be from New Omni Bank, N.A., do not respond to it and do not click on any links that it provides. Report the request to any of our Customer Relationship Personnel or Operations Officer at any of our locations.
The Federal Deposit Insurance Corporation (FDIC)'s website provides an on-line multimedia education tool that consumers can use to learn how to better protect their computers and themselves from identity thieves. The presentation is on the FDIC’s website at https://www.fdic.gov/consumers/consumer/guard/index.html
The Office of the Comptroller of the Currency (OCC) has published a variety of Web resources that help consumers to understand the risks as well as how to safeguard their personal information against theft. Please visit https://www.occ.gov/consumer/idtheft.htm
Using everyday items such as your driver’s license or Social Security number to assume your identity, an identity thief can:
Identity theft can occur in a number of different ways. But if you know what to look for and how it happens, you can minimize your overall risk. Here are some common scenarios to watch out for:
Listed below are tips for recognizing whether you have possibly been a victim of identity theft:
If an identity thief is opening credit accounts in your name, these accounts are likely to show up on your credit report. To find out, you can order a free credit report once a year from each of the three major credit bureaus at Annual Credit Report Request Service: www.annualcreditreport.com. For a fee you can obtain a copy at any time directly from the credit bureaus.
In many cases involving identity theft, months pass before the victim is aware of any wrongdoing. Simply monitoring your credit card and account statements on a weekly basis can greatly decrease your identity theft risk. In fact, the majority of identity theft crimes are self-detected. And according to a recent report by the Better Business Bureau, accessing accounts online provides earlier identity theft detection compared to monitoring monthly paper statements and bills.
If you think you are a victim of identity theft, take action immediately.
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