Protección contra robo de identidad

El robo de identidad ocurre cuando alguien usa tu nombre, tu número de seguro social, tu fecha de nacimiento, o cualquier información que te identifique sin tu autorización para cometer fraude. Se calcula que uno de cada 27 consumidores fue víctima de robo de identidad en 2006.*

Puesto que somos tu institución financiera, First Bank te ofrece cobertura gratuita contra el robo de identidad.

Si tienes una cuenta de cheques personal de First Bank, automáticamente recibes:

  • Hasta $5,000 en cobertura de gastos por robo de identidad** para gastos asociados con la reparación de tu crédito y de tu nombre.
  • Un kit para recuperación de identidad para ayudarte a restaurar tu identidad.
  • Acceso gratuito a especialistas en fraude a consumidores que pueden ayudarte durante el proceso de recuperar tu identidad.
  • Centro de noticias sobre robo de identidad en línea.
  • Registro de tarjetas de débito y crédito.

*2007 Identity Fraud Survey Report released by the Better Business Bureau and Javelin Strategy & Research

**Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage of all claims or losses depends on actual policy provisions. Availability of coverage can depend on our underwriting qualifications and state regulations. Coverage not available for residents of New York.

INSURANCE PRODUCT: NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.


    12 Steps To Help Prevent ID Theft:

    1. Remove your name from pre-screened credit offers at www.optoutprescreen.com or call 1-888-567-8688.

    2. Add your telephone number(s) to the National Do Not Call Registry at www.donotcall.gov or by calling 1-888-382-1222.

    3. Remove your name from individual Direct Mail Association member mailing lists at www.dmachoice.org.

    4. Place an alert on your credit file. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. Placing a fraud alert with the Equifax Fraud Alerts System automatically places a fraud alert on your file with Experian and TransUnion. To do so, call 1-800-525-6285 or visit www.fraudalerts.equifax.com.

    If you are on active military duty, place an active duty alert on your credit files. If someone applies for credit in your name, the creditors will take extra precaution to make sure the applicant is not someone pretending to be you.

    • Equifax: 1-800-525-6285
    • Experian: 1-888-397-3742
    • TransUnion: 1-800-680-7289

    5. Request your free credit report. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through www.annualcreditreport.com (1-877-322-8228) an Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

    6. Request your Innovis Data Solutions credit report and place a fraud alert on you Innovis credit file by calling 1-800-540-2505. Innovis Data Solutions does not participate in sharing this information with the other three nationwide credit bureaus.

    7. Check your Social Security Statement of Earnings and Benefits once each year to make sure no one else is using your Social Security Number for employment. Visit www.ssa.gov/mystatement to request a copy.

    8. Register your email address to receive free email reminders every 90 days to renew your fraud alerts and free email reminders every 365 days to reorder your credit reports under the free annual credit report program, and to reorder your Social Security Statement. Register at www.protectme247.com.

    9. Safeguard your wallet or purse. Don't carry Social Security cards, birth certificates, or passports with you unless absolutely necessary. Don't carry extra credit cards. If you carry a health care card, look to see if your Social Security number is being used as your ID number. If it is, ask if it can be changed.

    10. Protect your debit and credit cards at www.protectme247.com. To update your registration or cancel lost or stolen cards, call 1-866-210-0361.

    11. Avoid using unsecured mailboxes. Deposit your outgoing mail containing personally identifying information in post office collection boxes or at your local post office. Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up the mail, contact the U.S. Postal Service at 1-800-275-8777 or online at www.usps.gov to request a vacation hold of mail delivery.

    12. Stay informed by visiting the online Identity Theft News Center. View the Federal Trade Commission video and read recent articles regarding identity theft at www.protectme247.com.


    *2007 Identity Fraud Survey Report released by the Better Business Bureau and Javelin Strategy & Research

    **Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage of all claims or losses depends on actual policy provisions. Availability of coverage can depend on our underwriting qualifications and state regulations. Coverage not available for residents of New York.

    INSURANCE PRODUCT: NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.