Take steps to protect personal information
The recent Equifax security incident is in the news and on the minds of many of us. Here are some helpful reminders to help keep personal information secure. You may also visit Equifax to see how you can find out if information about you was impacted.
1. Monitor your account statements.
- Review your financial statements carefully and promptly.
- Report any transactions that look unfamiliar to your financial institution.
- If you don't receive your statement when you're expecting it, whether by mail or online, contact your financial institution.
2. Check your credit report
- Consumers are eligible for a free credit report annually from each of the three major credit reporting agencies; Equifax®, Experian® and TransUnion®. For reports and additional information, visit the Annual Credit Report website. Once you get your report, look at it carefully.
- Contact the credit reporting agency right away to report any unfamiliar or inaccurate information in your credit report.
3. Consider placing a fraud alert and/or a security freeze on your credit files
A fraud alert is a warning to creditors that you may be a victim of identity theft.
- You have the option of adding a consumer fraud alert with the major credit reporting agencies that will require creditors to contact you before a new loan account is opened in your name if you have provided a telephone number to be used for identity verification purposes.
- An initial fraud alert lasts 90 days and requires potential creditors to use reasonable policies and procedures to verify your identity before issuing credit in your name. You can keep the fraud alert in place at the credit reporting agencies by calling again every 90 days to renew.
- You can set up an initial fraud alert and learn more about additional fraud protection options with one of these three agencies:
- Equifax, P.O. Box 740256, Atlanta, GA 30348, www.equifax.com, 1-888-766-0008
- Experian, P.O. Box 9554, Allen, TX 75013, www.experian.com, 1-888-397-3742
- TransUnion Fraud Victim Assistance Dept., P.O. Box 2000, Chester, PA 19016, www.transunion.com, 1-800-680-7289
A security freeze makes it more difficult for somebody to open an account in your name.
- A security freeze prohibits a credit reporting agency from releasing any information from a consumer's credit report without written authorization.
- Please be aware that placing a security freeze on your credit report may delay, interfere with, or prevent the timely approval of any requests you make for new loans, credit cards, mortgages, employment, housing or other services.
- To place a security freeze on your credit file, you must send a written request to each of the three major consumer reporting agencies. There may be a fee based on state law. Learn more at the links below.
4. Make sure you're using one of our additional monitoring services to help notify you of card activity on your BMO Harris issued cards:
BMO Harris Card Monitor - For Debit Cards
Stay in control of your BMO Harris Bank Debit Mastercard® with controls and alerts when you enroll in Card Monitor using our mobile banking1 app.
- Get notifications through the app for transactions that exceed an amount you set, or transactions by geographic area, merchant type or transaction type
- Turn your debit card on and off anytime
- Set restrictions on all payment transactions – except recurring payments – by location, merchant type, transaction type, and transaction amount
For more information visit BMO Harris Card Monitor - For Debit Cards
BMO Harris Card Monitor - For Credit Cards
Stay on top of your credit card account and easily monitor and manage all your card transactions.
- Choose your alerts and how you want to receive them
- Receive and reply to fraud alerts
- Get alerts that monitor transaction activity
- Receive payment notification alerts
- Text us questions about your account
To get started visit BMO Harris Card Monitor - For Credit Cards
5. Register for Mastercard® ID Theft Alerts™
Mastercard® ID Theft Alerts™ searches the internet to see if your personal information – such as your debit or credit card or Social Security number – is being bought or sold online. If it is detected, you'll get an email alert prompting you to contact 1-800-MASTERCARD. From there, a certified specialist2 will guide you through the rest of the process – from filling the right forms to notifying the major credit reporting agencies. Get started here.
For additional information regarding how you can protect yourself, visit our Security Center today
1. Message and data rates may apply. Contact your wireless carrier for details.
2. To bring you this benefit, Mastercard has partnered with CSID®, an industry leader in identity protection and fraud detection. CSID® is a registered trademark of CSIdentity Corporation.
Mastercard and Mastercard ID Theft Alerts™ are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
Diners Club® is a registered trademark of Diners Club International Ltd.
Third party websites may have privacy and security policies different from BMO Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO Harris web sites
© 2017 Equifax Inc. All rights reserved. Equifax and the Equifax marks used herein are trademarks of Equifax Inc.
© 2017 Experian Information Solutions, Inc. All rights reserved.
© Copyright 2017 TransUnion LLC. All Rights Reserved
Copyright © 2017 CSID