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#327237 - 03/08/09 11:41 AM Credit card primer
Marty Online   happy
from the Chamber of Commerce....

Marilyn Marks, a Chamber Director, presented this helpful information for our Members.

Read this and make a copy for your files in case you need to refer to
it someday. Maybe we should all take some of his advice! A corporate
attorney sent the following out to the employees in his company.

- Do not sign the back of your credit cards. Instead, put

- 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

- 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.

- 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 thieve(s) 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

But here's some critical information to limit the damage in case
this happens to you or someone you know:

a. 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.

b. 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.):

c. 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. 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

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

#327271 - 03/08/09 03:52 PM Re: Credit card primer [Re: Marty]
Danny2 Offline

Good info and thanks for sharing it.

#327278 - 03/08/09 05:21 PM Re: Credit card primer [Re: Danny2]
pugwash Offline
I don't know if you should trust him Danny...they may be numbers he set up just to get YOUR information.....
It's rarely rocket science, it's usually just math: then again if you can't do the math.......

#327491 - 03/09/09 08:37 PM Re: Credit card primer [Re: pugwash]
Otteralum Offline
this is great advice. there are services that will store all your information for you -- when your wallet is lost/stolen or your identity is compromised -- they make all the calls for you as advised above. Not a bad idea for a few bucks a year.
I will have a Belikin -- put it on klcman's tab.


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