Know Your Rights When Recovering from ID Theft


Identity theft can cause financial upheaval in a person’s life, so it’s important to take immediate steps to reverse whatever damage has been done.

Victory State Bank advises you to know your rights during the recovery process following identity theft.

If someone is using your information to open new accounts or make purchases, Staten Island’s only community-based commercial bank recommends contacting the Federal Trade Commission (FTC), which provides an online means to report it and get help.

To assist you on the road to recovery after someone steals your identity, Victory State Bank is sharing information from the FTC; in the aftermath of ID theft,

you have the right to:

  • Create an FTC Identity Theft Report
  • Place a 90-day initial fraud alert on your credit report
  • Place a seven-year extended fraud alert on your credit report
  • Get free copies of your credit report
  • Get fraudulent information removed (or "blocked") from your credit report
  • Dispute fraudulent or inaccurate information on your credit report
  • Stop creditors and debt collectors from reporting fraudulent accounts
  • Get copies of documents related to the identity theft
  • Stop a debt collector from contacting you

For additional rights associated with recovery from identity theft, visit




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, including the main office in the community of Great Kills and branches in West Brighton, St. George, Dongan Hills and Rosebank.

A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals.

For additional information, Victory State Bank may be reached at 718-979-1100, or visited online at

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