Read them and print out a copy for your files in case you may need to refer to them someday. The tips sound like solid advice we should be following daily!
- Do not sign the back of your credit cards. Instead, put "Photo ID Required".
- When you're writing checks to pay 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.
- Instead of your home phone number, put your work phone number on your checks. If you have a Post Office Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your Social Security number printed on your checks. (DUH!) You can add it later if it is necessary. But if you have it printed, anyone can get it.
- Place the contents of your wallet on a photo-copy 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 Dept. of Motor Vehicle 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've been told we should cancel our credit cards immediately. But the key is having the tollfree numbers and your card numbers handy so you know whom to call. Keep those where you can find them easily.
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 organiza-tions 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 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: 800-525-6285
- Trans Union: 800-6807289
- Experian (formerly TRW): 888-397-3742
- Social Security Administration (fraud line): 800-269-0271
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