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A
corporate attorney sent the following out to the employees in his company.
Read this and make a copy for your files in case you need to refer to
it someday. Maybe we should all take some of his advice!
-
The next time you order
checks have only your
initials (instead of first name and
last name) put on them. If
someone takes your checkbook, they will not know if you sign your
checks with just your initials or your first name, but your bank
will know how you sign your checks
- Do not sign the
back of your credit cards. Instead, put "PHOTO ID
REQUIRED"
-
When you are writing checks to
pay on your credit card accounts, DO NOT put the complete
account number on the "For" line. Instead, just put the last four
numbers. The credit card
company knows the rest of the number, and anyone who might be
handling your check as it passes through all the check processing
channels won't have access to it
- Put your work
phone # on your checks instead of your home phone.
If you have a PO Box use that instead of your home address. If you
do not have a PO Box, use your work address. Never have your SS#
printed on your checks. (DUH!) You can add it if it is necessary.
But if you have it printed, anyone can get it
- Place the
contents of your wallet on a photocopy machine.
Do both sides of each license, credit card, etc. You will
know what you had in your wallet and all of the account numbers
and phone numbers to call and cancel.
Keep the photocopy in
a safe place. I also carry a photocopy of my passport when I travel either here
or abroad. We've all heard horror stories about fraud that's committed on us in
stealing a name, address, Social Security number, credit cards.
Unfortunately, I, an attorney, have firsthand knowledge because my wallet was
stolen last month. Within a week, the thieves ordered an expensive monthly cell
phone package, applied for a VISA credit card, had a credit line approved to buy
a Gateway computer, received a PIN number from DMV to change my driving record
information online, and more. But here's some critical information to limit the
damage in case this happens to you or someone you know:
-
We have been told we should
cancel our credit cards immediately.
But the key is having the toll free numbers and your card
numbers handy so you know whom to call. Keep those where you can
find them
- File a police
report immediately in the jurisdiction where your credit cards,
etc., were stolen. This proves to
credit providers you were diligent, and this is a first step
toward an investigation (if there ever is one). But here's
what is perhaps most important of all : (I never even
thought to do this.)
- Call the 3
national credit reporting organizations immediately
to place a fraud alert on your name and Social Security
number
I had never heard of doing that
until advised by a bank that called to tell me an application for credit
was made over the Internet in my name. The alert means any company that checks
your credit knows your information was stolen, and they have to contact you by
phone to authorize new credit.
By the time I was advised to do this, almost two
weeks after the theft, all the damage had been done. There are records of all
the credit checks initiated by the thieves' purchases, none of which I knew
about before placing the alert. Since then, no additional damage has been done,
and the thieves threw my wallet away. This weekend (someone turned it in). It
seems to have stopped them dead in their tracks.
Now, here are the numbers you
always need to contact about your wallet, etc., has been stolen:
- Equifax:
1-800-525-6285
- Experian (formerly TRW): 1-888-397-3742
- Trans Union:
1-800-680-7289
- Social Security Administration
(fraud line): 1 - 800
-269-0291
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