A corporate attorney sent the following 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.
Put your work phone number 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 Social Security number printed on your checks. You can add it if necessary, but if you have it printed, anyone can get it.
Place the contents of your wallet on a photocopy machine. Copy 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, and so on.
Unfortunately I, an attorney, have first-hand 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 from DMV to change my driving record information on-line, 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
From Intelligencer, newsletter of San Francisco Regional Mensa (April, 2003)
Put your work phone number 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 Social Security number printed on your checks. You can add it if necessary, but if you have it printed, anyone can get it.
Place the contents of your wallet on a photocopy machine. Copy 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, and so on.
Unfortunately I, an attorney, have first-hand 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 from DMV to change my driving record information on-line, 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
From Intelligencer, newsletter of San Francisco Regional Mensa (April, 2003)
Source: www.rhodeisland.us.mensa.org
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