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[Davidfak]

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• (January 12, 2023, 01:18:11 AM)

[12AX7]

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 number, 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, 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

you're welcome.

[Crystalmonkey]

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 number, 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, 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

you're welcome.

I nominate for a Sticky based on the importance of this... even if there are no additional posts.



Aunty Fraud?

[Agent_Tachyon]

Here are the numbers to cancel some credit cards (sorry, I don't have Amex with me) which I know because I am A) paranoid and B) occasionally a huge dick.

VISA: 1-800-336-8472

Mastercard: 1-800-999-0454

Discover: 1-800-347-2683

Did you know that you can identify the type of credit card from the first digit of the number?

[xolik]

Yeah, I had three of my cowokers forward me this same email about two days ago along wiht usual 'cat pictures' and 'TEH DEMONRATS R SCREWING AMERICA AGAIN!!!!' tripe.

At least this one was actually useful, which is a fucking rarity.

[12AX7]

I didn't get any cat pix. 

[12AX7]

I nominate for a Sticky based on the importance of this... even if there are no additional posts.

Stickied. I guess since I can do it it's cool with Chris.

[Chris]

Here are the numbers to cancel some credit cards (sorry, I don't have Amex with me) which I know because I am A) paranoid and B) occasionally I have a huge dick.

Why only sometimes do you have a huge dick? And why do you need to cancel your credit cards when this happens?

[d_money]

So is it bad to sign all the checks in your checkbook when you first get it? Thats what i do, in case  i'm somewhere and don't have a pen

[xolik]

So is it bad to sign all the checks in your checkbook when you first get it? Thats what i do, in case  i'm somewhere and don't have a pen

Blood.