Came across these little bits of info. Hope you find them useful.
1. Do not sign the back of your credit cards. Instead, put ‘PHOTO ID REQUIRED.’
2. When writing a check to pay on your credit card account, 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 itpasses 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 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.
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 alscarry 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 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:
5. 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.
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 reportingorganizations 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 damagehas 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, if it has been stolen:1.) Equifax: 800-525-62852.) Experian (formerly TRW): 888-397-37423.) Trans Union : 800-680 72894.) Social Security Administration (fraud&nbs p;line):800-269-0271We 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.MAKE A COPY OF THIS INFORMATION AND KEEP IT IN A SAFE PLACE !!
This lady has changed her habit of how she lists her names on her mobile phone after her handbag was stolen. Her handbag, which contained her cell phone, creditcard, wallet… etc… was stolen.20 minutes later when she called her hubby, from a pay phone telling him what had happened, hubby says “I received your text asking about our Pin number and I’ve replied a little while ago.”When they rushed down to the bank, the bank staff told them all the money was already withdrawn. The thief had actually used the stolen cell phone to text “hubby” in the contact list and got hold of the pin number. Within 20 minutes he had withdrawn all the money from their bank account.Moral of the lesson: Do not disclose the relationship between you and the people in your contact list. Avoid using names like Home, Honey, Hubby, Sweetheart, Dad, Mom, etc…. And very importantly, when sensitive info is being asked through texts, CONFIRM by calling back. Also, when you’re being text by friends or family to meet them somewhere, be sure to call back to confirm that the message came from them. If you don’t reach them, be very careful about going places to meet “family and friends” who text you.