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ATTORNEY'S ADVICE - NO CHARGE
Not A Joke!! Even If you dislike attorneys..You will love them for these
tips.
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! A corporate attorney
sent the following out to the employees in his company:
1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID
REQUIRED.'
2. 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.
3. 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 no t 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.
4. 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 first hand knowledgebecause 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:
5. We have been told we should cancel our credit cardsimmediately. 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.
6.. 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.)
7. Call the 3 national credit reporting organizations immediately to
place a fraud alert on your name and also call the Social Security fraud
line 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 be en 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, if
it has been stolen:
1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) Trans Union : 1-800-680 7289
4.) Social Security Administration (fraud line):
1-800-269-0271
We pass along jokes on the Internet; we pass along just about everything.
If you are willing to pass this information along, it could really help
someone that you care about..
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