Attorneys Advice

ATTORNEY'S ADVICE - NO CHARGE

Read this and make a copy for your files in case you need to refer to
it someday. Maybe we should all take some of his advice! A corporate
Attorney sent the following out to the employees in his company.

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. (DUH!) 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 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 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.

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:

5. 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.

6. 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.)

7. 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 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: 800-525-6285

2.) Experian (formerly TRW): 888-397-3742

3.) Trans Union : 800-680-7289

4.) Social Security Administration (fraud line): 800-269-0271