Important Stuff I just got in an EMail....SERIOUSLY...

[WCGreen]

A friend just emailed me this. I have no idea where she got it from but it is great advice. I am an accountant by profession and this just makes sense to me......

I'm doing this stuff right now....

Sent: Saturday, August 06, 2005 10:28 PM
Subject: protect your ID excellent


A corporate attorney sent the following out to the employees in his company.

1. 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.

2. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED".

3. 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.

4. 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. You can add it if it is necessary. But if you have it printed, anyone can get it.

5. 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 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:

1. 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.

2. 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.)

3. 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:
1.) Social Security Administration (fraud line): 1-800-269-0271
2.) Equifax: 1-800-525-6285
3.) Experian (formerly TRW): 1-888-397-3742
4.) Trans Union: 1-800-680-7289

We pass along jokes on the Internet. We pass along just about everything. But if you are willing to pass this information along, it could really help someone that you care about.

[calico1]

1. Wow. Thanks for posting that.

I have already been doing the "see photo ID" on my cards but the rest of the stuff is very helpful. Thanks!

[WCGreen]

2. I usually don't pass along stuff I get in EMails.....

[mark11727]

3. Excellent post!

I'm currently working up a spreadsheet with all our accounts, numbers, contact information, etc, in case anything ever happens.

BTW -- the day we were married, my wife's wallet was stolen from our hotel room (an inside job) -- we spent our wedding night and first two days of our honeymoon canceling credit cards and checking accounts. When we returned home, my wife almost couldn't cash her paycheck (she had no ID, and her married name wasn't "official" yet, as the marriage certificate hadn't arrived).

Sigh.

[WCGreen]

4. It's great advice...... alright....

[CaliforniaPeggy]

5. Thank you so much, WC!

This is excellent advice....

Some of this I've heard before...and I've implemented some of it...

Indentity theft is a growing concern nation/world wide....

:hug:

[YellowRubberDuckie]

6. You cannot do number 2.

A credit card isn't valid unless it's signed. It is actually against the law for stores to take an unsigned credit card, not that they ever look, but there you go.
Duckie