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An Attorney's Advice ...and it's free!
Read this and make a copy for your files in case you need to refer
to it someday. Maybe we should all take his advice!
A corporate attorney sent the following out to all employees in his
"ABOUT YOUR CHECKS"
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.
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.
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.
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.
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.
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, 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.
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.
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
Call the three national credit reporting organizations listed below
- 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
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
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).
seems to have stopped them in their tracks.
The numbers are:
(formerly TRW): 1-888-397-3742
Trans Union: 1-800-680-7289
Social Security Administration (fraud line): 1-800-269-0271
We pass along jokes on the Internet. We pass along just about
everything. Pass this
information along!!!!!!!! It
could really help someone you care about!!!!!!!!.
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