What is Identity Theft?
It’s when someone steals pieces of your identity, such as your Social Security number, credit and debit card numbers, or bank account information - to take your money or obtain false credit in your name. The goal: to buy merchandise or get cash and charge it to you.
What happens if you become a victim?
Identity theft can turn your life upside down. Not only can you lose money and good credit, you can spend weeks, months, or even years trying to rectify the problem. And that’s only if you know what to do and who to contact. Most people don’t! The crime also takes an emotional toll on you and your family. Severe feelings of loss, helplessness, anger, isolation, betrayal, and even embarrassment are common. Simply answering the phone or going to the mailbox can fill you with the dread of hearing from another collection agency, discovering another fraudulently obtained credit card, or facing another problem.
Signs that you may have become a victim
Be on the lookout for unusual activity such as:
- You’re denied credit for no apparent reason
- When applying for a loan, you’re offered a high interest rate that is normally assigned only to people with bad credit
- You’re denied employment because of bad credit, or record of a crime you didn’t commit
- You receive credit cards you didn’t apply for
- You get calls or letters from debt collectors regarding merchandise you didn’t buy
- You stop receiving bills you’re expecting
With ID TheftSmart, you can rest easy!
The ID TheftSmart program covers the entire household for just $12.00 a year. A household is defined as anyone who is related to the primary member enrolled, and has the same permanent address as that primary member. If a college student is in school but still considers their parents’ address as their permanent address they would still be considered part of the household. However, non-related renters or roommates are not considered part of the household.
If your identity is ever stolen, ID TheftSmart professionals sprint into action. You don’t have to do a thing because we step in as your advocate, fully committed to restoring your identity to pre-theft status as quickly and efficiently as possible. ID TheftSmart investigators with Kroll, the leading firm in the industry have thousands of hours of experience and they get results.
Your 3-Stage Line of Defense Protection
You get direct access to an ID TheftSmart professional from KROLL who will:
- Help you guard your personal identifying information
- Provide safety tips for shopping online or using social media
- Explain your rights under federal and state laws
- Answer any questions you have about protecting your identity - from best virus software for your computer to protecting your mail, and more
If we discover that your information may have been compromised, IDTheftSmart professionals from KROLL will:
- Provide an action plan
- Help you interpret and analyze your credit report
- Set up a credit report freeze and fraud alerts on your behalf
- Assist when suspicious issues arise beyond our initial findings
If your identity is stolen, our licensed ID TheftSmart investigators from KROLL will:
- Confirm the crime and determine its nature and scope
- Help you obtain a police report
- Provide a tri-merged credit report and perform full non-credit searches
- Work on your behalf until ALL identity theft issues have been verifiably resolved
- Place seven-year fraud victim statements with credit reporting agencies, when applicable
What to do if you have become a victim
After enrolling, if you believe you’ve become a victim of identity theft, contact us at Iowa State Savings Bank during bank hours at 1-641-828-8000, or come to the bank in person. Have your IDTheftSmart Member ID Number ready, or with you. The bank will contact KROLL investigators to get them on the case (investigators are available from 7 AM to 7 PM CST, Monday-Friday, excluding major holidays). After that, they will work directly with you until things are resolved.
If you wish to contact them to report an identity theft outside their hours, call 1-855-848-8803 to leave a message, and they will return your call during their normal office hours.