Subject: Some good info!
( An Attorney's Advice )
A corporate attorney sent the following out to the employees in his company:
** The next time you order checks have only your initials (instead of first
name) and last name put on them.
** If someone takes your check book 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.
** 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 one 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, etc.
Unfortunately I, an attorney, have firsthand knowledge because my wallet was
stolen last month. Within a week, the thieve(s) 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 easily.
** File a police report immediately in the jurisdiction where it was stolen,
this
proves to credit providers you were diligent, and is a first step toward an
investigation (if there ever is one).
But here's what is perhaps most important: (I never even thought to do
this).
Call the three 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 in their
tracks.
** The numbers are:
** Equifax: 1-800-525-6285
** Experian (formerly TRW): 1-888-397-3742
** Trans Union: 1-800-680-7289
** Social Security Administration (fraud line): 1-800-269-0271
We pass along jokes on the Internet; we pass along just about everything.
Pass this information along. It could really help someone you care about.
( An Attorney's Advice )
A corporate attorney sent the following out to the employees in his company:
** The next time you order checks have only your initials (instead of first
name) and last name put on them.
** If someone takes your check book 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.
** 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 one 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, etc.
Unfortunately I, an attorney, have firsthand knowledge because my wallet was
stolen last month. Within a week, the thieve(s) 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 easily.
** File a police report immediately in the jurisdiction where it was stolen,
this
proves to credit providers you were diligent, and is a first step toward an
investigation (if there ever is one).
But here's what is perhaps most important: (I never even thought to do
this).
Call the three 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 in their
tracks.
** The numbers are:
** Equifax: 1-800-525-6285
** Experian (formerly TRW): 1-888-397-3742
** Trans Union: 1-800-680-7289
** Social Security Administration (fraud line): 1-800-269-0271
We pass along jokes on the Internet; we pass along just about everything.
Pass this information along. It could really help someone you care about.
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