Identity theft can wreak havoc on your finances and your credit history. Generally, the criminal will illegally apply for credit in another person's name and run up large bills — leaving the victim with the hassle of sorting out the confusion with creditors.
If you suspect that your personal information is being misused, act quickly. Here are some steps you should take:
Contact Southern Bank, any other banks and your credit card issuers immediately. They can review your accounts for fraudulent activity and if necessary, stop payments on checks, change personal identification numbers and passwords and open new accounts.
Report any fraudulent activity on your Southern Bank accounts and any unauthorized transactions to your local branch.
Report any fraudulent charges on your Southern Bank credit account at 1-800-441-7461, or contact the issuers of any other cards.
File a report with your local police department. The report will be helpful in explaining to creditors that you are a victim of identity theft.
Contact the fraud departments of each of the major credit bureaus:
Credit BureausAddressOrder Credit ReportReport FraudEquifax Credit
Information Services, Inc
PO Box 740241
Atlanta, GA 303741-800-685-11111-888-766-0008Experian
PO Box 9556
Allen, TX 750131-888-397-37421-888-397-3742TransUnion
PO Box 2000
Chester, PA 190221-800-888-42131-800-680-7289
Check your accounts to see if anyone has changed your address, altered your PIN or requested new checks or cards.
Southern Bank has provided an activity report you can download and print to record the steps you've taken to report the fraudulent use of your identity. To view this document, you need the Adobe Acrobat Reader. If you do not have the Adobe Acrobat Reader installed, you can download it from Adobe's Web site.