If you believe that your personal information may have been compromised, it is important to act quickly in order to protect your credit rating and reduce your risk of loss.
File a police report with your local police department.
Call Experian, the consumer reporting agency used by BS&L at (888) EXPERIAN or (888) 397-3742 and place an initial fraud alert on your credit reports. This alert will stop someone from opening new credit accounts in your name. Experian will automatically contact other nationwide consumer reporting companies.
Notify BSL by calling our Fraud Center at 866.546.8273 or by visiting your local branch.
Depending on the type of fraud that has been committed, additional steps may need to be taken.
How to Prevent Identity Fraud
Protect your Social Security Number.
Do not carry your Social Security Card with you.
Shred anything containing your Social Security Number, account numbers, or any other important numbers (statements, checks, credit card applications, financial documents, etc.).
Review monthly statements promptly and monitor accounts regularly.
Save receipts and compare with statement activity.
Make sure your driver's license number is not your Social Security Number.
Check credit report annually (free).
Never share passwords; do not keep them in your wallet, purse, desk, etc.
Change passwords frequently; use unique passwords.
Guard your mail from theft: promptly remove mail from the mailbox; use a secured box for outgoing mail.
Sign debit and credit cards immediately after they arrive.
Have Direct Deposit.
Keep web browser patches up to date.
Use anti-virus software.
Use spyware prevention and detection software.
If you are in doubt as to whether or not an email is legitimate, do not respond to it.
If questionable email offers a link, do not click on the link, even if it looks genuine.
Do not respond to email solicitations asking for personal or sensitive information.