ATTORNEY'S ADVICE-----NO CHARGE  

sexymamma662003 31F
3954 posts
4/11/2006 4:41 pm

Last Read:
9/16/2006 10:20 pm

ATTORNEY'S ADVICE-----NO CHARGE


ATTORNEY'S ADVICE-----NO CHARGE

A corporate attorney sent the following out to the employees in his
company.
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 will not have access to it.

4. 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. However, 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. Also carry a photocopy of your passport
when traveling either here or abroad. We have all heard horror stories
about fraud that is committed on us in stealing a name, address, Social
Security number, credit cards.

6. When you check out of a hotel that uses cards! for keys
(and they all seem to do that now), do not turn the "keys" in. Take them
with you and destroy them. Those little cards have on them all of the
information you gave the hotel, including address and credit card numbers
and expiration dates. Someone with a card reader, or employee of the hotel,
can access all that information with no problem whatsoever.

Unfortunately, as an attorney, I have first hand knowledge because my
wallet was stolen last month. Within a week, the thiefs ordered an
expensive monthly cell phone package, applied for a VISA credit card, had a
credit line approved to buy a Gateway computer and received a PIN number
from DMV to change my driving record information online. Here is 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. 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). However, here is what is perhaps most important of all (I never even
thought to do this.)

3. Call the three 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 and
contents being 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

We pass along jokes on the Internet; we pass along just about everything.
Nevertheless, if you are willing to pass this information along, it could
really help someone about who you care.

~sexy~


DIVISION77 39M
8328 posts
4/11/2006 5:22 pm

Thanks, good post.

Those numbers are nice to have.

Unfortunately, my bank sees fit to send me out new debit cards when they feel like it without my knowledge. Their reasoning? When I make large online purchases, they tend to see it as "suspicious". This has happened twice in the last six months that they've done this. Kind of inconvenient when I'm trying to buy $150 worth of groceries at a busy time of the day and my debit card shows "cannot access acount" and I look like a fool.

Identity theft is the least of my problems. My bank does it's best to protect me, whether I like it or not.

DIV

"My every move is a calculated step, to bring me closer to embrace an early death." -Tupac Shakur


Jeepidiot 42M

4/11/2006 5:47 pm

    Quoting DIVISION77:
    Thanks, good post.

    Those numbers are nice to have.

    Unfortunately, my bank sees fit to send me out new debit cards when they feel like it without my knowledge. Their reasoning? When I make large online purchases, they tend to see it as "suspicious". This has happened twice in the last six months that they've done this. Kind of inconvenient when I'm trying to buy $150 worth of groceries at a busy time of the day and my debit card shows "cannot access acount" and I look like a fool.

    Identity theft is the least of my problems. My bank does it's best to protect me, whether I like it or not.

    DIV
Mine has done that like 3 times in a row now. And it's infuriating because they change my pin and never tell me. They just did it to me again last week.

ONE TIME long ago they actually called and left a message because they saw suspicious activity. Lots of stops at gas stations from SC to PA. It was actually me but I appreciated the call. They've never bothered since.


rm_Jebus696 32M

4/11/2006 9:11 pm

If people even implemented a handful of these policies, ID theft would plummet in the states...I honestly think national programs need to be set up or something to make people aware how very easy it is for someone to steal your identity, or at least really mess up your life in terms of credit and banks


mycin62 54F

4/11/2006 9:16 pm

Great advice. I have, for many years now, written see ID on the back of all my credit cards. You'd be surprised how many people DON'T ask for ID!!


sexymamma662003 31F

4/11/2006 9:36 pm

    Quoting mycin62:
    Great advice. I have, for many years now, written see ID on the back of all my credit cards. You'd be surprised how many people DON'T ask for ID!!
i know just what you mean when i worked fast food, i was assistant manager and would have to train people and they wouldnt pay attention to what it said, i would have to point it out to them, even after i would have to tell them a 100 times they still wouldnt check.

~sexy~


Bassman4002 58M

4/13/2006 12:35 pm

Thanks for the advice, especially about contacting the credit agencies. You can just about gaurentee that the banks, merchants, even the goverment agencies will not do very much, but let those credit agencies get involved...Hot Damn!!!! Progress.


nutmegnutmeg 35F

4/13/2006 7:46 pm

Thanks for informing me in my time of crisis!

Funny thing about the whole thing is that the bank I attempted to open a checking account at was the person's regular bank! The teller that attempted to open a new account for me said that she remembered this particular lady.

Crazy!

Always and in All Ways

Nutmeg


sexymamma662003 31F

4/13/2006 9:39 pm

    Quoting nutmegnutmeg:
    Thanks for informing me in my time of crisis!

    Funny thing about the whole thing is that the bank I attempted to open a checking account at was the person's regular bank! The teller that attempted to open a new account for me said that she remembered this particular lady.

    Crazy!
well hopefully you were able ti catch her in time before she did any real damage to your credit

~sexy~


rm_kkandcmu 54M/49F

4/15/2006 7:08 pm

This advise sounds good, but some of it is flawed. If you attempt to present a check that does not have your correct address on it, and it does not match your drivers license, some places of business will not accept it. Check guaranteed services that businesses use will not guarantee the check if it goes bad.

Credit card issuing companies instruct businesses that take their cards NOT TO ACCEPT cards that do not have a valid signature on the back. Businesses that adhere strictly to this rule may not accept your use of the credit card.

I'm not trying to be contrary with this post, just giving the other side. Most everything else stated is great advise. As someone who uses credit cards and personal checks, and also has to accept them in business I have seen both sides. Banks and Credit Card companies tell acceptors one thing and either tell the users something else, or tell them nothing. FYI - I will generally accept cards and checks the way the post advises, as long as the presenter has enough id to satisfy me.

Good Luck


sexymamma662003 31F

4/15/2006 9:36 pm

    Quoting rm_kkandcmu:
    This advise sounds good, but some of it is flawed. If you attempt to present a check that does not have your correct address on it, and it does not match your drivers license, some places of business will not accept it. Check guaranteed services that businesses use will not guarantee the check if it goes bad.

    Credit card issuing companies instruct businesses that take their cards NOT TO ACCEPT cards that do not have a valid signature on the back. Businesses that adhere strictly to this rule may not accept your use of the credit card.

    I'm not trying to be contrary with this post, just giving the other side. Most everything else stated is great advise. As someone who uses credit cards and personal checks, and also has to accept them in business I have seen both sides. Banks and Credit Card companies tell acceptors one thing and either tell the users something else, or tell them nothing. FYI - I will generally accept cards and checks the way the post advises, as long as the presenter has enough id to satisfy me.

    Good Luck
it isnt my advice. i was emailed this so i past it on

~sexy~


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