Fraud Alert is a Tool for Combating ID Theft



Victory State Bank, Staten Island’s only community-based commercial bank wants you to know that credit bureaus can help in shielding you from the damage of identity theft.

By placing a “fraud alert” on your credit report, for example, you can make it hard for someone else to open new accounts in your name.

A fraud alert tells businesses that they must contact you before they give someone credit in your name. You put a fraud alert on your credit report at the three main credit bureaus – Equifax, Experian and Transunion.

As explained on the government website,  there are a few kinds of fraud alerts – and they are all free:

  • Initial fraud alert – lasts for 90 days. Use this if you think someone stole your identity.
  • Extended fraud alert – lasts for seven years. Use this if you know someone stole your identity.
  • Active duty alert – lasts up to one year. Use this if you are in the military and deployed.




About Victory State Bank


VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online at


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