Finally, someone has forwarded an e-mail to me that is worth its weight in gold. All of this makes perfectly logical sense. Please pass it on!!! 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. Do not sign the back of your credit cards. Instead, put "PHOTO ID 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 numbers, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it. 4. 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. 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. 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. 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. Unfortunately, I as 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 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). But here's what is perhaps most important of all: (I never even thought to do this.) 3. Call the 3 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, etc., has been stolen: 1.) Equifax: 1-800-525-6285 2.) Experian (formerly TRW): 1-888-397-3742 3.) Trans Union: 1-800-680-7289 4.) Social Security Administration (fraud line): 1-800-269-0271 We pass along jokes on the Internet..we pass along just about everything. But if you are willing to pass this information along, it could really help someone that you care about!!! thanx janie BTW, if you noticed anything in the message that caused you to scratch your head, check out snopes: http://www.snopes.com/inboxer/scams/credit.htm
Michael, I agree - this is something truly worth the bits and bytes it took to distribute. A record of your dillgent persuation has been printed, stored, and posted in my home and (will be) in my office (as well). Really good stuff. -=-=-=-=- As I was laying my credit cards & ID and all onto my scanner - spurred on by your post, I ran across a document in my wallet which everyone should have - and many (far too many) do not. It's free and commonly referred to as ICE, which stands for In "Case of Emergeny". You would be amazed at how many things paramedics and doctors are resrticted from doing in the event they find you unconcious or unable to speak for yourself in an emergency situation. For them to be able to reach next-of-kin (or anyone that's been designated as your spokesperson in such a case) can and has saved lives. All you need to do is print the words "In Case of Emergency" on the top of a card-sized piece of paper with one or more names with telephone numbers beneath it and you have an ICE card. Current folklore has it that paramedics will also look for this, listed under ICE in your cell phone. Don't believe it - they WILL check your wallet first. If you delay doing this because you're worried about putting an unprotected piece of paper into your wallet, cover it with a couple or 3 lines of scotch tape on each side and it will last as long as your wallet.
