Web Disclaimer: Although every attempt has been made to ensure the reliability of all information contained herein, some inaccuracies may exist. For this reason, Owingsville Banking Company does not certify the accuracy of any of the reported data and expressly disclaims all liability to persons who access this site. This web site may link to external web sites for your convenience. This is for informational purposes only. Linked sites are not under the control of Owingsville Banking Company and thus we are not responsible for the contents of these sites. Furthermore, the act of linking to other external sites is not an endorsement of these sites by Owingsville Banking Company.
is the fraudulent use of your name and identifying information by someone to obtain credit, merchandise or services. 7 million
people claim they were victims of Identity Fraud in 2002. In 2003, over half of a million people filed complaints with the Federal Trade Commission related to Identity Fraud.
How Thieves Obtain Your Information:
How to Avoid Identity Theft:
- Dumpster Diving
- Mail Theft
- Email or Phone scams
- Change of address on existing accounts
- Theft of purses or wallets containing personal information
- Stealing records from businesses you deal with
- Enroll in some type of Identity Theft protection program or order a copy of your credit report
yearly from each of the major credit reporting agencies.
The three major credit reporting agencies are TransUnion, Equifax, and Experian. You can
take advantage of an annual credit report at no cost by visiting this website:
- Secure your credit cards by making them password protected or use those that include a photo
of you. Password protect your bank accounts and phone accounts.
Don't make these passwords too easy. Don't use your mother's maiden name, the last four
digits of your social security number, or the last four digits of your phone number.
- Don't give out your personal information unless you've initiated the contact and know whom you
are dealing with on the other side.
- Guard your outgoing and incoming mail. Place outgoing mail in Post Office collection boxes and
remember to ask the Post Office to hold your mail when you are out of town.
- Before revealing your personal information to a business, find out how it is secured and whether
- Don't carry your social security card or the number written out in your purse or wallet.
- Give your Social Security number only when necessary. If you question this, many businesses will not
- Pay attention to your billing cycles or statement cycles and call the business if you haven't
received your statement at the regular time (this includes credit, bank and brokerage accounts).
- Don't dispose of a computer without erasing all personal information.