Identity Theft of Personal Items –
The DO’s and DO NOT’s

Posted April 1, 2009

Fraud is committed easily on You when Your Name, Address, SS#, and Credit Cards are Stolen.
Here are some Steps that You can Take that will Save You a lot of ‘TROUBLE’ – should These Personal Items Fall into the Wrong Hands.

  1. Writing Personal Checks to Pay Your Credit Card (CC) or Any Other Creditor

    1. DONOT WRITE your complete account number on the check.  Just List the Last Four (4) Numbers.
      The CC Company knows the rest of the numbers. But Anyone processing your check doesn’t know it and wouldn’t have access to that account number.
    2. If You have Your Name(s) Printed on the Check, then Leave your Home Address off the Check.
      A PO Box Number (If You have One) is Preferable to a Home Address.
      The Banks that process this check will know who and where you are because the checks have a Routing Number and an Account Number imprinted on them.
    3. Never Have your SS# Printed on the Check. You can always add it if necessary.

    4. DONOT put your Home or Cell Telphone Number on a Check.


  2. Credit Cards

    1. Suggestion. Where It says ‘Authorized Signature’    Put ‘ PHOTO ID REQUIRED ’.


  3. Inventory Your Wallet and Make PhotoCopies of its Contents.

    1. Do both sides of Credit Cards, Drivers License, Medical ID Card, etc.
    2. These PhotoCopies should be kept in a safe place for future reference   If and When Needed.
      You then know what you had in it that wallet should it be lost or stolen. There’s no ‘Guess Work’ on your part.
    3. You will be able to access the various Account Numbers and the associated Phone Numbers to make Cancellation Calls to the Credit Card Companies.


  4. There are OTHER PROCEDURES and CALLS to Make if that wallet is Lost or Stolen.


    1. If the Wallet is stolen – and it contains Credit Cards, file a Police Report in the jurisdiction where this happened.
      This signals your Credit Providers that you have brought forth this ‘Dirty Deed’ to the proper authorities.
      This report could be very helpful in the prosecution case if the thief or thieves are ever apprehended.
    2. You should call the three (3) national credit reporting companies to put an Alert on your name.
      Thieves work very quickly (In their Case, Time is of the Essence) and they will use your CC’s to ‘Buy the World’ and Charge You accordingly.
    3. Call the SSA (Social Security Administration) Fraud Line and place an Alert with them.
      Someone may try to apply to apply for credit line using your name and the SS#.

      Note: The Alert means that any company that checks your credit knows that your info has been stolen.
      Therefore, they have to contact You to authorize new credit.


  5. Here are the Tel Numbers You should contact if your wallet is stolen.

    1. Equifax: 1-888-766-0008
    2. Experian: 1-888-397-3742
    3. Trans Union: 1-800-680-7289
    4. SSA (Fraud Line): 1-800-269-0271.