Report Identity Theft or Fraud

If you think you've become a victim of identity theft or identity fraud, immediately call us at 816-858-5400. We're here to help you:

• Close your accounts and open new ones,
• Replace check cards and credit cards, and
• Address and resolve your concern

Next Steps:

Once you've contacted us, it's important that you do the following:

1. Call the major credit bureaus:

• Equifax: 800-525-6285 or equifax.com
• Experian: 888-397-3742 or experian.com
• TransUnion: 800-680-7289 or transunion.com

First, ask that they place a "fraud alert" on your credit file. A fraud alert prevents creditors from changing your accounts, or opening new ones in your name, without proper verification. Then, request a free copy of your credit report. If you see any additional signs of fraud, notify the credit bureau and the creditors whose accounts are affected. After the disputed transactions are resolved, request another copy of your credit report to make sure your file has been updated.

2. Call your other creditors - including your phone and utility companies - and let them know that you've been a victim of fraud. Close any accounts that may have been compromised. As a precaution, consider resetting all of your passwords.

3. Inform check security companies about the fraud:

• National Check Fraud Center: 843-571-2153
• SCAN: 800-262-7771
• TeleCheck: 800-710-9898
• CrossCheck: 707-586-0551
• Equifax Check Systems: 800-437-5120
• International Check Services: 800-526-5380
• Chexsystems: 800-428-9623
• CheckRite: 800-466-2748

4. File a police report if you think your personal information (driver's license, address) has been compromised or stolen.

5. Call the Federal Trade Commission (FTC) identity theft hotline at 877-438-4338, or file your complaint online at ftc.gov.

6. Be vigilant, patient and persistent. It can take weeks - or even months - to resolve identity theft. Keep a close eye on all of your statements, review your credit reports regularly, and immediately report any discrepancies.