was forwarded to me. It checks out as true on Snopes. even if it didn't makes pretty good sens to me
AN ATTORNEY'S ADVICE
Read this and make a copy for your files in case you need to refer to it
someday. Maybe we should all take some of his advice!
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. 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.
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 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:
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 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).
3. 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
AN ATTORNEY'S ADVICE
Read this and make a copy for your files in case you need to refer to it
someday. Maybe we should all take some of his advice!
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. 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.
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 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:
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 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).
3. 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
