Information every one can use.

Discussion in 'General Conversation' started by plumbertom1, May 6, 2008.

  1. plumbertom1

    plumbertom1 Well-Known Member

    Messages:
    1,902
    State:
    Eugene, Or.
    I suggest you make a copy and put it where you can find it, just in case.

    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.

    [FONT=Times New
 Roman]2. Do not sign the back of your credit cards. Instead, put "PHOTO ID [/FONT]
    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 will not have access to it.

    4. Put your work phone # on your checks instead of your home phone. If
    [FONT=Times New
 Roman]you have a PO Box, use that instead of your home address. If you do not [/FONT]
    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. However, 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. Also carry a photocopy
    of your passport when traveling either here or abroad. We have all heard
    horror stories about fraud that is committed on us in stealing a name,
    address, Social Security number, credit cards.

    6. When you check out of a hotel that uses cards for keys (and they
    all seem to do that now), do not turn the "keys" in. Take them with you
    and destroy them. Those little cards have on them all of the
    information you gave the hotel, including address and credit card
    numbers and expiration dates. Someone with a card reader, or employee
    of the hotel, can access all that information with no problem
    whatsoever.

    Unfortunately, as an attorney, I 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 and received
    a PIN number from DMV to change my driving record information online. Here is
    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.
    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). However, here is
    what is perhaps most important of all (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 dead in their tracks.

    Now, here are the numbers you always need to contact about your
    wallet and contents being stolen:

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

    zeboman New Member

    Messages:
    2,883
    State:
    Pennsylvan
    Thanks for the info Tom.
     

  3. CountryHart

    CountryHart New Member

    Messages:
    10,914
    State:
    missouri
    Good info. and advise. Thanks
     
  4. brother hilljack

    brother hilljack New Member

    Messages:
    7,305
    State:
    Shelbyville, TN
    Thanks for the advice and the tip.
     
  5. big-muddy

    big-muddy New Member

    Messages:
    1,834
    State:
    norfolk, va
    pretty good info there, thanks for sharing.
     
  6. Mickey

    Mickey New Member Supporting Member

    Messages:
    14,592
    State:
    Illinois
    Good info Tom. Thanks for sharing. Reps to you.