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10 Ways To Protect Your Financial Identity Being Used For Someone Else's Shopping Spree
Someone impersonating you could be spending your hard-earned money. Impossible! Not really, check, loan, and identity fraud are a real problem. In 2002, the federal trade commission estimated that identity fraud affected and estimated 3.3 million Americans; costing consumers $3.8 billion and business $32.9 billion. Here are 10 ways to protect yourself from having your financial identity used for someone else's shopping spree: 1. Order your credit report once a year from each of the three credit bureaus to make sure that you are familiar with all of the reported transactions and that there isn't any unusual activity. Call (888) 5OPT-OUT to request to have your name removed from their marketing lists. 2. Cancel all unused credit card accounts, and make sure to keep a copy of your credit cards and the toll free contact numbers so you can report the card number immediately if it is lost or stolen. 3. Don't carry extra credit cards, your social security card or passports in the same wallet except when completely unavoidable. 4. Install a locked mailbox at your office or home to keep people from snatching your mail. Don't drop paid bills in the mailbox; take them to the post office to be mailed. 5. Ask your bank about its privacy policies and information practices. Find out the circumstances under which your bank would provide your account information to a third party. 6. Always save your credit card receipts to match against your monthly statement. Keep track of when your cards expire to make sure your new card arrives in the mail. 7. Never have your social Security number printed on your checks. Never put your account information on the outside of an envelope or on a postcard. Give your Social Security number only when absolutely necessary. Ask if you can use another type of identifying number whenever possible. 8. Review your phone bills and cellular phone bills each moth for any unauthorized use. And compare your ATM receipts and cashed checks with your periodic bank statements to check for unauthorized transfers or charges. 9. When filling out a loan or credit application, ask how the company disposes of them. When you receive one of those pre approved credit card offers in the mail make sure to cut it in small pieces before throwing it away. 10. When creating passwords or Personal Identification Numbers (PIN) choose something different from your address, telephone number, middle name, the last four digits of your Social Security number, your birth date or any other information that could be easily discovered by thieves. Bonus- Always write checks using a fine point permanent marker and put a line before the written amount so that no one can add something in once you've written the check. Resources: Credit reporting bureaus: Eqifax- P.O. Box 740241 Atlanta GA 30374-0241. Experian- P.O. Box 2104 Allen TX 75013-2104 Trans Union- P.O. Box 390 Springfield PA 19064-0390. Check verification companies: To verify if there are any activities on your account from fraud contact these verification companies. CheckRite- 800-766-2748 Social Security Administration- About The Author ©BZ Riger-Hull. www.in-spiros.com. For valuable free articles, assessments, & practical success tools mailto:A1@smartautoresponder.com Certified as a Success Coach, "Four Agreements" Facilitator, & Tele-Course leader We help you communicate powerfully, reduce stress, Strategically Attract success, & increase your financial well-being. bz@in-spiros.com MORE RESOURCES:
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GOOGLE SEARCH Identity Theft - Guard Your Childrens Social Security Numbers Identity theft is a growing concern among Americans, and rates among the top five complaints received by states' Attorney General's offices. A stolen identity can lead to tens of thousands of dollars worth of debt in the victim's name and it can take years to completely undo the damage done to the victim's credit report. Manage Your Credit Wisely Getting your first credit card is a big deal and all young people look forward to it with bated breath. We wait for years to be able to apply successfully for out own credit card. How to Improve Your Credit Rating So you got into debt, had problems but you got yourself back on your feet through hard work and sacrifice and how are you rewarded? A Bad Credit Rating.You would be forgiven for thinking thats not fair and why did you bother sorting yourself out if your hands are still tied when it comes to applying for anything financial? There are ways to improve your credit rating and get back on track completely. Common Credit Score Myths A lot of credit score myths about fico score ratings get spread around and some of them are just outdated information. Sometimes even lenders can give you the wrong advice and it can get confusing. Why Is It important! Your credit is the most important thing you have other than your breathe. There are three types of people in this world. Teaching Students To Keep Out Of Credit Card Debt - The Parents Role Parents have the full responsibility for their children and their education. It is up to parents to teach their children what's right and what's wrong, how to conduct themselves as good citizens, how to cross the road safely and generally protect themselves from harm. Understanding Your Credit Score When you apply for credit one of the first things almost all credit officers do is check your credit score. Although not all of those officers explained to us what a credit score is, we are all rated according to it and the offers we receive were all dependent on that score. 3 Free Credit Reports For You If you were to tell someone that they can have a certain item for free, more than likely their response would be, "what's the catch?" In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let's take a look at the law and how you can benefit from it. Credit Repair Kit Sound To Good To Be True? It Is. A lot of people have bad credit. It is unfortunate that good people with good intentions are sometimes lured into credit card offers with outrageous interest rates or convinced to buy a new, overpriced car that they cannot afford. Finding and Applying for the Right Credit Card Offer Online Anywhere you go online nowadays, you will see a multitude of ads for credit cards. Some offer low interest rate for an introductory period, or bonus frequent flyer miles while others offer real discounts on new vehicles and equipment. What You Should Know About Credit Counseling Credit counseling is a free service that many people with money problems have turned to in the face of financial ruin. Credit counseling companies negotiate with your creditors to reach financial solutions that benefit both you and your creditors. Annual Credit Report and Free Annual Credit Report Getting an annual credit report review has been the advice of many financial managers as they guided their customers to be aware of all information on credit reports. Would the idea of a free annual credit report be good news? Consumers are thrilled with the new federal mandate that demands the three major national credit bureaus offer a free annual credit report to anyone requesting copies of their personal credit reports. Good vs. Bad Credit Debt Do you know the difference between good and bad credit debt? Most everyone seems to think that all debt is bad, but that is not always the case. In fact, there are some instances where good debt can actually help your financial situation. Credit Cards - The Top 3 Things You Need To Know Today there are so many different credit cards available, studentprepaid, low interest cards etc. that it has becomes a realhassle to find the right one that will suit your needs. Learning the Disturbing Facts about Credit Card Debt When I received my first credit card in the mail at age 18 I was ecstatic, I said to myself, wow now I'm getting somewhere in life. This credit card company thinks I'm worthy of 500 dollars in credit. Online, Phone, U.S. Mail or In-Person: Where is Your Credit Card and Personal Identify Safest? Identity theft is the fastest growing crime according to the Federal Trade Commission (FTC). It occurs when someone takes a piece of your personal information and uses it without your knowledge to commit fraud or theft. Avoiding College Credit Card Traps Congratulations college freshman! You're about to embark on one of the most exciting times of your life. By now your parents, siblings, and friends have offered you all kinds of advice on how to make your transition to college smoother - how to get along with your roommate, what classes to take and which ones to avoid, where to find the best off-campus food, and how to stay safe on campus. How To Establish Great Credit Building a good credit history is important. If you have no reported credit history, it may take time to establish your first credit account. Trying to Land a Job? Poor Credit Scores May Hurt Your Chances Many employers are now looking at an applicant's credit report for hiring purposes. During an interview process a potential employer may request your written consent to access your credit report. Credit Card Entrapment - The Secrets are Out Have you ever wondered why your credit card bill is so high and you can't seem to pay off the balance? Well you are not alone in this. You should be aware of a couple of trick that they use and you probably don't even pay attention to it, but you definitely pay for it and BIG!The next time you open up your credit card statement, take a real close look to all the "junk" inside particularly the very hard to read insert Call "changes to you credit card agreement". |
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