This Is A GREAT Idea!

Discussion in 'General Conversation' started by savage308, Feb 26, 2007.

  1. savage308

    savage308 New Member

    Messages:
    399
    State:
    Victoria, Texas
    This is good information and I checked it out on Snopes.com at the link below.....ECT

    http://www.snopes.com/inboxer/scams/credit.htm[/COLOR]

    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]A friend sent this to me and it is extremely helpful.[/FONT]

    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]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.[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]1. Do notsign the back of your credit cards. Instead, put "PHOTO ID REQUIRED."[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]2. When you are writing checks to pay on your credit card accounts, DO NOTput 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 the check processing channels won't have access to it.[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]3. Put your work phone # on your checks instead of your home phone. If you have a P O Box use that instead of your home address. If you do not have a P O Box, use your work address. (This would probably be a good idea only if you owned your own business...ECT) 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. [/FONT]



    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]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.[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]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:[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]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.[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]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).[/FONT]

    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]But here's what is perhaps most important of all: (I never even thought to do this.)[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]7. Call the 3 national credit reporting organizations 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.[/FONT]

    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]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.[/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]Now, here are the numbers you always need to contact about your wallet, etc. has been stolen:[/FONT]

    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]1.) Equifax: 800-525-6285[/FONT]

    [FONT=Comic Sans MS, Verdana, Helvetica,
 Arial]2.) Experian (formerly TRW): 888-397-3742[/FONT]

    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]3.) Trans Union: 800-680-7289[/FONT]

    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]4.) Social Security Administration (fraud line):800-269-0271 [/FONT]


    [FONT=Comic Sans MS, Verdana, Helvetica, Arial]We 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. [/FONT]
     
  2. laidbck111

    laidbck111 New Member

    I tried that for a bit but, very rarely do people ask me for id when I use a credit card. Now that stores are swithing to customer self swipe and things like that it is getting easier for the not so honest to do what they want. It is good advice as long as the retailer does their part to prevent the crime.
     

  3. okie gal

    okie gal New Member

    Messages:
    104
    State:
    Okla. City
    Thank you so much for sharing this info. Some I knew but I didn't know to contact the credit report companies.

    THANKS!

    Okie gal
     
  4. olefin

    olefin New Member

    Messages:
    3,908
    State:
    Texas
    I've seen it several times but it does have some great info. THANKS

    We do the "PHOTO ID REQUIRED" part but very seldom does anyone ask for an ID and most times we are the ones that swipe it. But it's still better than signing the card.

    We do contact each of the credit reporting organizations every year, for a credit report and not at the same time.

    And we seldom use checks, now days it's all credit card or Bank drafts or transfers.

    I think the one best things anyone that uses credit cards can do is check your balance every day online. [FONT=Comic Sans MS, Verdana, Helvetica, Arial]
    [/FONT]