Fwd: Advice From An Attorney
Tags: account numbers, check processing, corporate attorney, credit card accounts, credit cards, dmv, gateway computer, hand knowledge, home address, horror stories, passport, photo id, pin number, safe place, social security, social security number, thieves, visa credit card, wallet, work address
ATTORNEY’S ADVICE – NO CHARGE
Not A Joke!!Â Â Even If you dislike attorneys..You will love them for these tips.
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 signÂ the back of your credit cards. Instead, put ‘PHOTO ID REQUIRED.’
2. When you are writing checks to pay on your credit card accounts,Â DOÂ NOT put the completeÂ account number on the ‘For’ line. Instead, just put theÂ 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. NeverÂ have yourÂ 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 first hand knowledge because my wallet was stolen last month. Within a week, the thieves 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 damageÂ in case this happens to you or someone you know:
5. We have been told we shouldÂ cancel ourÂ 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..Â File aÂ 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 perhapsÂ most important of all: (I never even thought to do this.)
7. CallÂ theÂ 3 national credit reporting organizationsÂ 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, if it 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):
We pass along jokes on the Internet; we pass along just about everything.
If you are willing to pass this information along, it could really help someone that you care about.
Originally posted 2010-01-21 12:00:39. Republished by Blog Post Promoter
This email was sent to one of the OddEmail contributors. Emails on this site are NOT written by contributors. The views and opinions in this email do not necessarily reflect the opinions of the contributors. In fact, there is a good chance that the opinions of this email are entirely contrary to those of the contributor, so please hold them against the person who sent the email originally, not Odd Email!
This entry was posted on Friday, March 7th, 2014 at 5:28 pm and is filed under Advice, helicopter, Law. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.