ADVICE -- NO CHARGE
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.
attorney sent the following out to the employees in his company.
time you order checks have only your initials (instead of first
name) and last name put on them. If someone takes your
checkbook, 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.
Do not sign
the back of your credit cards. Instead, put "PHOTO ID REQUIRED".
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
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 SIN#
printed on your checks. (DUH!) You can add it if it is necessary.
But if you have it printed, anyone can get it.
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 travel either here or abroad.
heard horror stories about fraud that's committed on us in stealing
a name, address, SIN, credit cards. 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:
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.
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.)
Call the two
national credit reporting organizations immediately to place a
fraud alert on your name and Social Insurance 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 dead
in their tracks.
Now, here are the numbers you always need to contact about your
wallet, etc. has been stolen
Canada : 1-877-249-2705
2.) Trans Union : 1-877-525-3823
Pass this information along, it could really help someone that you