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First News Summer 2006

To The Point
Stop!  Thief!

   Again this year, identity theft tops the Federal Trade Commissionís list of consumer complaints. The crime can take many forms but always involves the misappropriation of names, social security numbers, credit card numbers or other pieces of personal information for fraudulent purposes. Be assured this financial institution will never contact you requesting personal information. If you are a customer, we already have this information on file. If you should receive any such notice do not follow the instructions, save the notice if possible and contact the First National Bank in Trinidad.
Tips to avoid identity theft:
  • Shred financial documents and personal information before discarding them.
  • Protect your Social Security number and donít carry it with you.
  • Donít give out personal information on the phone, through the mail or over the Internet unless you know who youíre dealing with.
  • Never click on links sent in unsolicited e-mails. Stick to Web addresses you know.
  • Keep your personal information in a secure place at home.
  • Review your financial statements regularly.
  • Inspect your credit report annually. Federal law requires the major nationwide consumer reporting companies to give consumers a free copy of their credit report each year if requested. Visit, a service by the credit bureaus to order a free credit report each year. You can call 1-(877) 322-8228 or write Annual Credit Report Request Service, P.O. Box 105281, Atlanta GA 30348-5281.
If you think your identity has been stolen:
  • Immediately contact the fraud department at any one of the three major credit bureaus to place a fraud alert on your credit report. This information will be shared with the other bureaus. This fraud alert tells creditors to contact you before opening any new accounts or making any changes to your existing accounts.
  ó 1-(800) 525-6285, P.O. Box 740241, Atlanta, GA 30374-0241
ó 1-(888) 397-3742, P.O. Box 9532, Allen TX 75013
ó 1-(800) 680-7289 Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
  • Close all accounts that are, or may be affected by the identity theft.
  • File a police report and obtain a copy for submission to credit reporting agencies, creditors, and others.
  • Contact the Federal Trade Commission to report the theft and ask for further guidance to protect yourself. Call 1-(877) 438-4338 or visit Or mail to: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NM, Washington, DC 20580.
   Be sure to keep detailed records of the identity theft and of your efforts to resolve the matter with a log of dates, times, and correspondences. You can minimize the risk of being a target by managing personal information cautiously and understanding how identity theft can happen.



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