Identity Theft

 

Panola National Bank and our Service Providers have developed strict policies and procedures to safeguard your information.  Our policies require confidential treatment of your personal information.

For questions or concerns regarding Online Banking Security, we invite you to contact any of our Account Representatives to further assist you.

 

Identity Theft

 

Stop Identity Theft by Protecting Your Identity

-    Check your credit report annually
-    Don't give out personal information
-    Review your bills and statements regularly
-    Guard your mail and trash from theft
-    Shred items that contain personal information
-    Copy the contents of your wallet or purse
-    Report lost or stolen check or credit cards immediately

 

If You Become a Victim of Identity Theft  Recover Your Good Name

Contact the fraud departments of the 3 major credit bureaus:

Equifax                   1.800.525.6285
Experian                    1.888.397.3742
TransUnion:              1.800.680.7289

-    Notify your financial institution immediately
-    Inform your credit issuers
-    File a police report with your local law enforcement

For additional information and advice, call the Federal Trade Commission (FTC) Identity Theft Hotline toll free at 1.877.IDTHEFT (438 4338) or visit their ID Theft website at www.ftc.gov/idtheft
 

Credit Reports

 

Why You Should Check

Your credit report is very important to you in life.  The information contained in a credit report is especially important when you apply for a loan, insurance (auto, home, personal), rent an apartment or apply for a job.  You must be proactive to make sure all the information contained on your credit report is as accurate as possible.

 

What’s In A Credit Report

Credit reporting agencies collect information on individuals from various sources.  They gather information from lenders such as banks and credit card issuers.  They also gather information from other public records.  A typical credit report contains the following information:

-    Personal Data-identifying information such as name, Social Security Number, birth date, address, etc.
-    Credit History-including a list of current and past creditors, credit terms and limits, and how well (or how poorly) an individual has repaid debts.
-    Inquiries-a listing of requests for credit reports.
-    Public Records-information such as bankruptcies and judgments.
-    Personal Statement-a limited statement where an individual can explain his/her position on a dispute with a lender.

 

Obtaining A Copy Of Your Credit Report

The FACT Act amendments to the Fair Credit Reporting Act requires the nationwide credit bureaus to provide consumers, upon request, one free personal credit report in a twelve (12) month period.   You may contact the Central Source on line at www.annualcreditreport.com or by calling toll free (877) FACT ACT.  Free copies are also available if you have been denied credit in the past 60 days and the creditor used their services.