Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to us—see our Privacy Notice).
Important Note: U.S. Government Stimulus Funds
All direct deposit funds, including Federal stimulus payments, are deposited once a day in the overnight hours. If deposited, funds are credited by 6 a.m. local time. If the payment does not appear in your account at 6 a.m., please check back the following day. You can find the most up-to-date information on your Economic Impact Payment at IRS.gov.
An identity thief doesn’t just steal your credit card and go on a spending spree. They get new cards, open new accounts and take out loans, and then leave a trail of unpaid bills in your name.
Identity theft victims may be unaware that their identity has been stolen until they receive a collection call or try to obtain credit.
If you suspect your personal information has been hijacked and misappropriated to commit fraud or theft, take action immediately. Contact any of the three major credit bureaus to place a fraud alert on your credit file. You also can order a credit report to identify any unauthorized activity.
Despite your best efforts to manage the flow of your personal information or to keep it to yourself, skilled identity thieves may use a variety of methods to gain access to your data.
Millions of Americans become victims of identity theft each year. Although the problem continues to grow, there are a number of ways you can help protect yourself and prevent the unlawful use of your personal identity. Here are some tips:
One of the most important steps you can take to ensure that you have not become an Identity Theft victim is to check your credit report.
The following are the most crucial steps you should take after becoming a victim of identity theft. Refer to the “Other Important Things to Remember” section below for a list of agencies and important phone numbers you’ll need.
Keep complete records
When contacting the credit bureaus, you may also want to:
Contact the Social Security Administration
For more tips on how to protect you and your family from identity theft as well as what else to do if your identity is stolen, contact the Federal Trade Commission at 1-877 IDTHEFT (438-4338), visit www.consumer.gov/idtheft, visit the Colorado Bureau of Investigation’s ID Theft website at http://cbi.state.co.us/idtheft/, or talk with your Vectra banker.
Helpful Links
“Consumer Handbook to Credit Protection Laws”
Laws and Acts that protect you when you apply for credit.
Equifax
P.O. Box 105873
Atlanta, GA 30348
Order Report: 800-685-1111
Fraud: 800-525-6285
Web site: www.equifax.com
Experian (formally TRW)
P.O. Box 2104
Allen, TX 75013-2104
Order Report: 888-397-3742
Fraud: 800-301-7195
Web site: www.experian.com
U.S. Federal Trade Commission
(oversees operation of credit bureaus)
Consumer Response Center:
202-382-4357 (FTC-HELP)
Email: crc@ftc.gov
Web site: www.ftc.gov
U.S. Postal Service/Inspector:
800-275-8777
Web site: www.usps.gov/websites/depart/inspect
U.S. Social Security Administration
Report Fraud: 800-269-0271
Web site: www.ssa.gov
U.S. Social Security Cards: 800-722-1213
U.S. Secret Service
(Look in local phone book under government pages)
Web site: www.secretservice.gov
Check Verification
Check Rite: 800-766-2748
ChexSystems: 800-428-9623
CrossCheck: 707-586.0551
Equifax: 800-437-5120
Natl Processing Co.: 800-526-5280M
SCAN: 800-262-777
TeleCheck: 800-710-9898
Birth Certificates & Other Vital Records:
4300 Cherry Creek Drive South
Denver, CO 80246
303-692-2200
Consular Regular Report of Birth
(for U.S. citizens born abroad): 202-955-0307
Immigration and Naturalization: 800-375-5283
Passports: 877-487-2778
Pre-Screened Credit Offers: 1-888-5OPTOUT
Your Vectra Bank Relationship Bankers are available to answer your questions and help with all of your financial needs. Please give us a call at: 844–210–3604 (Mon – Sat, 7am – 7pm MST), visit us at one of our branch locations or complete the form below.