Identity theft happens when someone robs your personal information and uses it without your permission. It is a serious crime that can wreak havoc with your finances, credit history and reputation. It can take time, money, and patience to resolve.
Victims of identity theft involving Commercial Bank customers should call 989-875-4144 immediately during normal business hours, and ask for the Security Department or by visiting your local branch.
Report Identity Theft to:
There are three nationwide credit reporting companies that keep records of your credit history. If you think someone has misused your personal or financial information, call one of the companies and ask them to put an initial fraud alert on your credit report. An initial fraud alert can make it harder for an identity thief to open more accounts in your name. When you have an alert on your report, a business must verify your identity before it issues credit in your name, so they may try to contact you. You are also allowed to order one free copy of your credit report from each of the three credit reporting companies each year.
Contact one credit reporting company:
Avoiding Identity Theft
You can reduce your risk of being hurt by identity theft by protecting your personal information. Here are some things you can do:
How will I know if someone steals my identity?
Read your bills and account statements.
Stay safe with tips from Commercial Bank Michigan.