The best way to lower the impact of fraud is to catch it early. One easy way is to review your monthly bank and credit card statements for any unusual activity.

If you are concerned that your information has been compromised, follow these steps below:

1. Report the activity to the financial institution involved. I.e. if you’re concerned about fraud on your credit card, contact your credit card company. If you are worried about your MutualOne Bank account, contact client services at 508-820-4000.
2. Place a fraud alert on your credit report. The U.S. has three major consumer reporting companies. If you contact one, they are required to contact the other two. You can reach them here:

Equifax
1-800-525-6285
www.equifax.com
P.O. Box 740241
Atlanta, GA 30374-0241

Experian
1-888-EXPERIAN (397-3742)
www.experian.com
P.O. Box 9532
Allen, TX 75013

TransUnion
1-800-680-7289
www.transunion.com
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790

Recently, attention has been given to a fourth bureau which you may want to contact separately.

Innovis
1-800-540-2505
www.innovis.com
Innovis Consumer Assistance
P.O. Box 26
Pittsburgh, PA 15230-0026

3. Close the affected account. Report the issue to a security spokesperson at the company where the account is held. Ask them about their security policies and what your next steps should be. The Federal Trade Commission (FTC) Theft Affidavit (ID Theft Affidavit) can be used as a formal certification of the complaint.
4. File a complaint with the FTC (using their Consumer Complaint Form or call the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.
5. Alerting the FTC will help law enforcement officials to find and stop identity thieves. Additionally, you can call or visit the local police station and file a report. Bring a copy of your FTC ID Theft complaint form to attach to the report. Make sure to get a copy of the police report and police report number.