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Submitted by LM Hawes Leighton, AL

Got this from a local lawyer...some good ideas...

                                                      LAWYER'S 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!
   
    A corporate  attorney sent the following out to the employees in his company.
   
    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 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.
   
    2.  Do not sign the back of your credit cards.   Instead, put "PHOTO ID REQUIRED".
   
    3. 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.
   
    4. 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 Social Security number 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. Keep  the photocopy in a safe place. I also carry a photocopy of my passp! ort 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 thief 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.
   
    2. 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.)
   
    3. Call the 3 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 which called to tell me an application for credit was  made over the Internet in my name. The alert means any company who 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  thief's purchases, none of which I knew about before placing the alert.  Since then, no additional damage has been done, and the thief 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:
   
    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.
    But if you are willing to pass this information along,  it could really help someone that you care about.

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