Protect Yourself From Identity Theft
January 3, 2012
View and Print Full Document (pdf)
With identity theft becoming a growing problem, there are things each of us can do to minimize the possibility of identity theft or effectively deal with it if it happens. Some of this information was included in a letter from a corporate attorney to his employees, and some information is from the National Consumer Law Center.
Credit and debit cards: Do not sign the back of your credit and debit cards; instead, write “Photo ID Required.” Next, when you are writing checks to pay your credit and debit card bills, do not put the complete account number on the memo. It is better to put only the last four numbers of your account number on this line. The credit and debit card company knows the rest of the number. Doing this will prevent anyone who might be handling your check as it passes through all the check processing channels from having access to your account.
Checks: If you want to put a telephone number on your checks, use your work telephone number instead of your home telephone number. If you have a post office box, use that address on your checks instead of your home address. Never have your Social Security number printed on your checks. You can add it if necessary. (Sometimes military commissaries and base exchanges require this information.) If your Social Security number is printed on your checks, anyone can have access to it.
Wallet: Photocopy the contents of your wallet. Copy both sides of each document in your wallet, including your driver’s license, other identification cards, and credit and debit cards. This will permit you to know what you had in your wallet, including account numbers, so you know what account holders need to be notified in case your wallet is lost or stolen. Keep the photocopy in a safe place. Some credit and debit card companies offer a registry as part of their services. It may be worth the fee to call one number, and then have the registry notify all of your credit and debit card issuers about a loss or a theft. You may also want to carry a photocopy of your passport with you when you travel.
Other tips to avoid identity theft:
- Do not carry your Social Security card with you; keep it in a safe place.
- Do not attach a personal identification number (PIN) or Social Security number (SSN) to any card that you carry with you or on any receipt or paper that you are going to throw away.
- Shred any document that contains a PIN, SSN, or account number before you throw it away.
- Check your receipts to make sure you have received your own and not someone else’s.
- Alert your credit or debit card issuer if you do not receive your statement; someone may be stealing your mail.
- Do not give your personal information to anyone until you have confirmed the identity of the person and verified that you need to provide the information.
- Check your credit reports on a regular basis.
- Put passwords on your accounts, but do not use something easily available, such as your mother’s maiden name or your date of birth.
If your wallet or credit and debit cards are lost or stolen, or if you suspect identity theft, then you should notify the credit or debit card issuers immediately. This is easier to accomplish if you have kept a list of your card numbers and the toll free telephone numbers of the credit and debit card issuers. Keep this list in a place where you can find it or subscribe to a registry. You should also immediately file a police report when your wallet or credit or debit cards are lost or stolen. This will prove to the credit and debit card issuers that you were diligent, and this will be the first step toward an investigation. If you think your mail was stolen, then contact the U.S. Postal Service. You should also phone the Social Security Administration’s (“SSA”) fraud line at 800-269-0271 to notify the SSA that someone may be using your Social Security number.
You should also notify the three major credit reporting agencies to place a fraud or identity theft alert on your accounts. This is important because thieves may apply over the Internet for credit in your name. This alert will tell any company that is checking your credit in order to issue new credit in your name that your information was stolen. The company will have to contact you by telephone to authorize new credit. The names and phone numbers of the three major credit reporting agencies are:
Trans Union: 800-680-7289
You can order copies of your credit reports from each of these agencies and review the credit reports to see if any new accounts in your name have been opened fraudulently. You can receive a free copy of your credit report once every 12 months from each of the three major credit reporting agencies. There is one central website for this: www.annualcreditreport.com, and one toll-free phone number: 877-322-8228. If you want to mail a request for a free credit report, then you can download the form at www.ftc.gov/credit, complete it, and mail it to P. O. Box 105281, Atlanta, Georgia 30348-5281. Do not contact the credit reporting bureaus individually for your free report. If you receive an e-mail purporting to be fromwww.annualcreditreport.com asking for personal information, it is probably a scam, and you should not respond to it. You can forward the e-mail to the Federal Trade Commission’s database of deceptive spam at email@example.com .
You may also want to phone your creditors to find out about any accounts that may have been tampered with or opened fraudulently. You will want to close immediately any accounts that have been tampered with and use new personal identification numbers when you open new accounts.
Identity theft is a one of the fastest growing crimes. You can help protect yourself against identity theft by following these tips. For more information, see the National Consumer Law Center’s website at http://www.nclc.org/special-projects/older-consumers.html.
The attorneys at Oast & Hook can assist families with their estate, financial, insurance, long-term care, veterans’ benefits, and special needs planning issues.
O&H: Allie, we’ve heard about a new addition to the Scandinavian Wildlife Park in Denmark. Please tell us about him.
Allie: Sure! Siku is a five-week old polar bear who was born in the Wildlife Park. His name means “sea ice” in the Inuit language Inupiat. Siku’s mother did not reject him at birth, but she was unable to produce milk for him, so the handlers at the Wildlife Park are taking care of him. Siku’s YouTube videos have achieved over one million hits, and the Wildlife Park personnel are delighted − Siku is already doing his job of being an ambassador for polar bears living in the Arctic. The Wildlife Park has the world’s largest polar bear facility, and when Siku is about two-and-a-half years old, he will live with the other four polar bears living in the Wildlife Park. Eventually he will take part in an international breeding program for polar bears in captivity. In the meantime, people can watch Siku grow up by way of his YouTube channel. What a great story! Right now Siku weighs less than I do, but it won’t be long before he’s big and strong. Time to check out Siku on YouTube. See you next week!
If you are interested in having an Oast & Hook attorney speak at your event, phone Darcee Hale at 757-399-7506. Past topics include estate planning, long-term care planning and veterans benefits.
Distribution of This Newsletter
Oast & Hook encourages you to share this newsletter with anyone who is interested in issues pertaining to the elderly, the disabled and their advocates. The information in this newsletter may be copied and distributed, without charge and without permission, but with appropriate citation to Oast & Hook, P.C. If you are interested in a free subscription to the Oast & Hook News, then please e-mail us at firstname.lastname@example.org , telephone us at 757-399-7506, or fax us at 757-397-1267.
This newsletter is not intended as a substitute for legal counsel. While every precaution has been taken to make this newsletter accurate, we assume no responsibility for errors, omissions, or damages resulting from the use of the information in this newsletter.