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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 number 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 Social Security
number printed on your checks -- you can add it if it is necessary.
But if you have it printed, anyone can get it. You should report
seeing anyone in someone else's mailbox since this is how Identity
Theft happens
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. Also make and carry a photocopy
of your passport when you 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. 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:
Call the three
national credit reporting organizations immediately to place a fraud
alert on your name and Social Security number. 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.
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