Identity Theft - A Lawyer's Advise to Protect You - No Charge
A lawyer friend of mine recently had her wallet stolen and forwarded on some safety tips we should all be aware of to reduce the risk of identity theft. 1. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED."
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. 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 copy 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.
My friend advised that 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 her 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. 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.) 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.
By the time my friend 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 she knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw her 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 if your wallet, etc., has been stolen: Equifax: 800-525-6285 Experian (formerly TRW): 888-397-3742
Trans Union : 800-6807289 Social Security Administration (fraud line):800-269-0271
Be sure to pass this along to others. Let's keep ourselves and others safe.
**Angie M. Tarighi is the CEO/Founder of Women’s Self-Defense Institute and EasySafety4U.com providing self defense training, education awareness & personal protection products empowering women to fight back against crime.