June 29th, 2013, 09:19 AM
Join Date: 01-21-07
Location: Salem, Mi
Mentioned: 0 Post(s)
Originally Posted by dbikers
So, i was in windsor last week and had my car window broken and pretty much had my identity stolen. (i left my wallet in a cup holder, took out to pay bridge toll and some fukc saw it and decided it was going to be his
I guess i was ashamed to come here and tell people how stupid i am (really really stupid) but i found this bit of advice on a site and thought i'd pass it along. some of the stuff is silly but the numbers at the bottom i think are worth jotting down (and calling Silver Bullet). If nothing else you will get a call in the next 90 days if anyone tries to open any type of account/credit card in your name. The only reason i post is because maybe this will help...
ATTORNEY'S ADVICE - NO CHARGE
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 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..
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.
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.
Go to https://www.annualcreditreport.com/cra/index.jsp
to get your free credit reports (everybody should do this every year) and see if there is anything suspicious on them. You may want to consider one of the credit monitoring services for a few months (all three credit reporting agencies offer the service, for a fee of course). The rest has been covered in dbikers post above.
Originally Posted by Stan
I just went through replacing my debit card and a visa card last week. No idea how someone got the numbers. I dont use them often and never for internet. Second time in two years I've had to replace credit cards.
I dont understand why people carry their SS card with them. Good luck getting a new number, doesn't happen very often.
We were trying to figure out where one of our cards was compromised when it happened to us. The cc rep said it could have been anywhere. She also said that a hacker stole millions of card numbers from a few “clearing houses” just for kicks and then sold them on the internet. The rep speculated that it would take time for the all those stolen numbers to be used by the criminals. So it could be your number being stolen had nothing to do with how or where you used the cards.