Fraud & ID Theft Prevention


Follow these steps if you become a victim of identity theft:


1. Contact one of the 3 major Credit Reporting Bureaus.


Report Fraud: Call 888-766-0008

Order Credit Report: 800-685-1111



Report Fraud: Call 888-397-3742

Order Credit Report: 888-397-3742


Trans Union

Report Fraud: Call 800-680-7289

Order Credit Report: 800-888-4213


2. Contact a Clover Community Bank representative and any other Financial Institutions that may have been jeopardized and close any accounts or debit/credit cards.

3. Contact your local law enforcement agencies and report the crime.

You might also need to report it to police departments where the crime occurred. Give them as much documented evidence as possible. Make sure the police report lists the compromised fraudulent accounts. Get a copy of the report. 

4. Manage accounts by monitoring statements online and obtain a free credit report from

Call 800-888-4213 or by mail to: 
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

Other Useful Resources

Privacy Rights Clearing House (PRC)

Phone: 619-298-3396

Identity Theft Resource Center

Lists local support groups

Identity Theft

What is Identity Theft?

Identity theft is the misuse of another individual’s personal information to commit fraud.

How Wide Spread is Identity Theft?

According to the Federal Trade Commission, there are over 9 million Identity Theft victims each year.

How does Identity Theft happen?

Your personal information can be stolen using methods as high-tech as computer codes and computer hacking or as low-tech as stealing mail or going through trash.

How to Deter Identity Theft

  • Protect your Social Security number.
  • Shred financial documents and paperwork containing personal information before you discard them.
  • Do not give out personal information over the telephone, through the mail or over the Internet unless you know with whom you are dealing.
  • Manage your mailbox. Inspect what you receive. Know when to expect monthly bills and statements.
  • Monitor your current bank accounts, credit accounts and credit records.
  • Keep personal and financial information in a secure location.
  • Do not answer unsolicited emails or access any links provided in these emails.
  • Use and update security programs to protect your home computer.

Check Fraud

What is Check Fraud?

Check fraud is the negotiation of worthless checks for financial gain.

How Widespread is Check Fraud?

The US Secret Service estimates the toll of check fraud in the United States alone at 5 billion dollars per year.

What Are Some Common Elements of Check Fraud Scams?

  • Someone gives you a check for more than the purchase price of something you advertised for sale.
  • A “work at home” offer that is too good to be true.
  • An offer to give you an “advance” on a sweepstakes or lottery you have won.
  • A solicitation to use your bank account as a means of transferring money from a foreign country.

In most instances you will be instructed to wire a portion of the funds back to the sender or to a third party.

You may be asked to provide your bank name and account number for future deposits.

How to Protect Yourself From Check Fraud Scams

Remember That:

  • You are responsible for the checks you negotiate (deposit or cash).
  • There is no legitimate reason for someone who is giving you money to ask you to wire money back.
  • If it sounds too good to be true, it probably is.

Mail and Telephone Fraud

What are Some Common Mail and Telephone Fraud Schemes?

  • “900” Telephone Number Fraud
  • Charity Fraud
  • Solicitations Disguised as Invoices
  • Government Look-alike Mail
  • Foreign Lotteries
  • Free Vacation Scams
  • Phony Inheritance Scam
  • Credit Card Fraud

What are Some Warning Signs for Mail and Telephone Fraud Schemes?

  • A promise that you can win, make or borrow money easily.
  • A demand that you act immediately or lose the opportunity.
  • A refusal to send you written information before you agree to buy or donate.
  • An attempt to scare or bully you into buying something.
  • Insistence that you wire money.
  • A refusal to stop calling after you have asked not to be called again.

How to Protect Yourself from Mail and Telephone Fraud Schemes

  • Just say no.
  • Hang up.
  • Shred it immediately.