Free Advice By Attorney No Charge How To Protect Your Credit

Dated: 02/08/2015

Views: 930

This is great valid advice - too many people are having their identities stolen - hopefully this will be helpful.

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. In case your luggage is lost, take another list in your carry on bag, especially if you are abroad and need immediate access to those numbers.Unfortunately,
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.
 Now, here are the numbers you always need to contact about your wallet, if it has been stolen:
1.) Equifax:  1-800-525-6285  1-800-525-6285  
2.) Experian (formerly TRW):  1-888-397-3742  1-888-397-3742 
3.) Trans Union :  1-800-680 7289  1-800-680 7289 
4.) Social Security Administration (fraud line): 
 1-800-269-0271  1-800-269-0271 

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LaDawn Westbrook

With more than a decade of experience, LaDawn enjoys educating first time home buyers, working with the 55+ community, relocation clients, sellers who want to downsize, step up purchase or anything in....

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