Advice from a Lawyer who had his Wallet Stolen

1.  The next time you order checks have only your initials (instead
 of first name) and last name put on them. If someone takes your check
book they will not know if you sign your checks with just your initials or
your first name but your bank will know how you sign your checks.

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.

4. If you have a PO Box use that instead of your home 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.

5. 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.

6. 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,
etc. Unfortunately I, an attorney, have firsthand 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 more.

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

1. 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 easily.

 2. File a police report immediately in the jurisdiction where it was
 stolen, this proves to credit providers you were diligent, and is a
first  step toward an investigation (if there ever is one).

3. But here's what is perhaps most important: (I never even thought to do
this). Call the three national credit reporting organizations immediately
to place a fraud alert on your name and Social Security 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 in their tracks.
 

 The numbers are:

Equifax: 1-800-525-6285
Experian (formerly TRW): 1-888-397-3742
Trans Union: 1-800-680-7289

Social Security Administration (fraud line): 1-800-269-0271

Pass this information along. It could really help someone you care
about.