[StBernard] good info

[Westley Annis]

	I don't know if this actually came from an attorney originally, but
it's good info to keep in mind!
	 

	***************
	Read this and make a copy for your files in case you need to refer
to it in the future. 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 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.
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 damage in case this happens to you or
someone you know: 
	 
	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.. 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): 
	1-800-269-0271 
	 
	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.