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Tips And Tricks To Protect Yourself From Identity Theft
Are you looking for some inside information on credit cards? Here's an up-to-date report from credit cards experts who should know.
Identity Theft occurs when someone wrongfully uses your personal identification to obtain credit, loans, services, even rentals and mortgages in your name. They may even commit crimes while impersonating you!
Identity theft can be an overwhelming frightening experience if it happens to you. But the good thing are there are ways to fix it as well as avoid it.
Prevention
1. Buy a cross-cut type shredder - These in-expensive shredders usually range from $30 to $80. Shred all your important papers and mail. Especially pre-approved credit card applications. Also shred your credit card receipts.
2.Dumpster Diving - Never throw anything away that contains personal information. Anything that identifies you personally should be shredded.
3.ATM's and Phone Calls - Believe it or not people actually shoulder surf for pin numbers. Beware and be careful when giving personal information in public.
4.Check Delivery - Have your checks delivered to your bank. Avoid having them sent to your house, as they have been known to be stolen and altered with an acid wash.
5.Don't Mail checks from home - Drop them in at a U.S Mailbox or Post offices. These also are easy to alter by an acid wash.
6.Cancel old credit cards - Cancel all credit cards that you have not used in the last 6 months. Open credit is a prime target to thieves.
7. Use Passwords! - Make sure not to use your mothers maiden name. Also make sure to use something hard to guess like words and numbers.
8. Get a post office box or locked mailbox.
9. Protect your information - When at a doctors office etc. make sure they protect your information and shred other documents.
10.Empty your wallet of all extra credit cards and social security numbers, etc. Do not carry any identifiers you do not need. Don't carry your birth certificate, social security card, or passport, unless necessary
11.Do not put your telephone number on your checks.
12.Do not put your credit card account number on the Internet (unless it is encrypted on a secured site.) Don't put account numbers on the outside of envelopes, or on your checks.
13. Take your name of promotional lists.
Experian: (888) 567-8688
Equifax: (888) 567-8688
TransUnion: (888) 567-8688
Write to the following to get off promotional lists:
Direct Marketing Association
Mail Preference Service
P. O. Box 9008
Farmingdale, NY 11735 Direct Marketing Association
Telephone Preference Service
P. O. Box 9014
Farmingdale, NY 11735
How can you put a limit on learning more? The next section may contain that one little bit of wisdom that changes everything.
14. Consider making your phone an unlisted number or just use an initial.
These are just a few ways to keep yourself safe from fraudulent thieves. Also remember everyone is entitled to one free credit report per year.
Below are 3 of the major credit bureaus:
Credit Reporting Bureaus
EQUIFAX
P. O. Box 105873
Atlanta, GA 30348
Order Report# (800) 685-1111
Fraud # (800) 525-6285
Web site: www.equifax.com
EXPERIAN (formerly TRW)
P. O. Box 2104
Allen, TX 75013-2104
Order Report# (888) 397-3742
Fraud # (800) 301-7195
Web site: www.experian.com
TRANSUNION CORPORATION
P. O. 34012
Fullerton, CA 92834
Order Report# (800) 916-8800
Fraud # (800) 680-7289
Web site: www.tuc.com
There's no doubt that the topic of credit cards can be fascinating. If you still have unanswered questions about credit cards, you may find what you're looking for in the next article.
Identity Theft occurs when someone wrongfully uses your personal identification to obtain credit, loans, services, even rentals and mortgages in your name. They may even commit crimes while impersonating you!
Identity theft can be an overwhelming frightening experience if it happens to you. But the good thing are there are ways to fix it as well as avoid it.
Prevention
1. Buy a cross-cut type shredder - These in-expensive shredders usually range from $30 to $80. Shred all your important papers and mail. Especially pre-approved credit card applications. Also shred your credit card receipts.
2.Dumpster Diving - Never throw anything away that contains personal information. Anything that identifies you personally should be shredded.
3.ATM's and Phone Calls - Believe it or not people actually shoulder surf for pin numbers. Beware and be careful when giving personal information in public.
4.Check Delivery - Have your checks delivered to your bank. Avoid having them sent to your house, as they have been known to be stolen and altered with an acid wash.
5.Don't Mail checks from home - Drop them in at a U.S Mailbox or Post offices. These also are easy to alter by an acid wash.
6.Cancel old credit cards - Cancel all credit cards that you have not used in the last 6 months. Open credit is a prime target to thieves.
7. Use Passwords! - Make sure not to use your mothers maiden name. Also make sure to use something hard to guess like words and numbers.
8. Get a post office box or locked mailbox.
9. Protect your information - When at a doctors office etc. make sure they protect your information and shred other documents.
10.Empty your wallet of all extra credit cards and social security numbers, etc. Do not carry any identifiers you do not need. Don't carry your birth certificate, social security card, or passport, unless necessary
11.Do not put your telephone number on your checks.
12.Do not put your credit card account number on the Internet (unless it is encrypted on a secured site.) Don't put account numbers on the outside of envelopes, or on your checks.
13. Take your name of promotional lists.
Experian: (888) 567-8688
Equifax: (888) 567-8688
TransUnion: (888) 567-8688
Write to the following to get off promotional lists:
Direct Marketing Association
Mail Preference Service
P. O. Box 9008
Farmingdale, NY 11735 Direct Marketing Association
Telephone Preference Service
P. O. Box 9014
Farmingdale, NY 11735
How can you put a limit on learning more? The next section may contain that one little bit of wisdom that changes everything.
14. Consider making your phone an unlisted number or just use an initial.
These are just a few ways to keep yourself safe from fraudulent thieves. Also remember everyone is entitled to one free credit report per year.
Below are 3 of the major credit bureaus:
Credit Reporting Bureaus
EQUIFAX
P. O. Box 105873
Atlanta, GA 30348
Order Report# (800) 685-1111
Fraud # (800) 525-6285
Web site: www.equifax.com
EXPERIAN (formerly TRW)
P. O. Box 2104
Allen, TX 75013-2104
Order Report# (888) 397-3742
Fraud # (800) 301-7195
Web site: www.experian.com
TRANSUNION CORPORATION
P. O. 34012
Fullerton, CA 92834
Order Report# (800) 916-8800
Fraud # (800) 680-7289
Web site: www.tuc.com
There's no doubt that the topic of credit cards can be fascinating. If you still have unanswered questions about credit cards, you may find what you're looking for in the next article.
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