This will really help in this type of emergency... 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 # 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. 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 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: 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
identity theft protection Jeff That's damn good info...everyone should read this stuff and follow it as a couple of things are guaranteed to happen in the future: 1)More and more transactions are being done on "plastic" of one form or another, and: 2)This means more and more wallets, purses will be stolen b/c the thieves know there is a better chance of finding some useable plastic in the purse or wallet. The president of our company got a call last week here at the office, it was one of his credit card companies asking if he was charging something in Spain...he said "No" as he was here in Austin...someone had snagged one of his card numbers. Last night on a radio program I heard about some poor British senior citizen that just spent 20 days in jail here...a con man that the Feds were actively looking for had somehow stolen this tourist identity and the Feds thought this poor traveler was really him...the con man was running some type of telemarketing scam and had resorted to hiding behind other peoples identities to further hide from the law. The two "rules" above coupled with increased use of credit card numbers over the internet will GUARANTEE that this problem is going to grow...it WILL happen to more and more of us and from what I hear it is a pain to clear it up after it happens. Good info Jeff. Thanks Patton
