Avoiding ID Theft and Credit Fraud -

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Avoiding ID Theft and Credit Fraud

Avoiding ID Theft and Credit Fraud

Each year billions of dollars in credit fraud is perpetrated on unsuspecting citizens. With so much personal information publicly available (or easily available to someone with medium computing skills) it is essential to develop good habits to prevent your information from falling into criminal hands. It is possible for someone to create an entire identity (get driver's license, etc.) based on just a few pieces of information.

I know of an employee who sustained an on-the-job injury then applied for disability. He was shocked when they turned him down. According to Workmen's Compensation records he had been collecting disability for the last year and a half. Someone had gotten their hands on enough information to drain his account!

It can take years and thousands of dollars to correct an identity theft, credit fraud or a simple key entry error by a clerk at a Credit Bureau. It takes minutes for you to do these simple tips:

Destroy all pre-approved credit offers you get in the mail before you discard them. Otherwise, someone can fill out a new address and get credit in your name. Use a paper-shredder for all documents with your financial or legal information included. Sign all your credit cards with 'Please ask for photo ID' instead of your signature.

Never give out your SSN or credit card information on the phone unless you initiate the call and you know to whom you are talking. Never carry your social security number in your wallet.

You don't have to give your SSN to businesses that request it, although they do have the right to refuse service. Only government agency, and employment or tax related inquiries must be answered.

Reduce the number of pre-approved offers you get by requesting these credit bureaus remove your name from their lists: TRW (800) 353-0809, Equifax (800) 219-1251 and TransUnion (800) 241-2858.

Once a year carefully check out your free credit report from Experian (800) 682-7654 and free Social Security file (800) 772-1213. If you are denied credit based on your report, the issuing credit bureau must provide you with a free copy upon request - even if they usually charge for it.

If you don't have a 'business of having a life' filing system, check out the cost-effective Home and Small Business File Kits that I use in my own business, which makes it easy for me to guarantee your satisfaction. (www.organize.com)

Do not give out confidential information on e-mail or do financial transactions on the Internet unless it's secure and encoded. (Look for the SSL reference)

Check guarantee and check verification agencies must provide the same protection as credit bureaus, such as access to your report and correction of errors. If your check is refused, get the agency name.

For assistance in re-establishing good credit and correcting errors, the non-profit Consumer Credit Counseling Service may be able to help you. To find the office nearest you call (800) 388-2227.

More free time-saving tips are available at http://www.organize.com

For over 15 years, Eve Abbott has been writing, speaking and consulting with executives, managers and business owners on boosting their effectiveness with organizing tools and techniques to melt the paper blizzard and tackle e-mail overload. Eve is the Organizer Extraordinaire, a personal productivity expert whose wisdom has reached the pages of the New York Times, Working Woman and Home Office Computing.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/news/local/la-fi-creditunions12-2008oct12,0,938332.storycid=1256110151ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNHas7STpEAqkI6VYajOfZfXFm31QQFinancial troubles spread to bcredit/b unions/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1By E. Scott Reckard, Los Angeles Times Staff Writer It#39;s not just giant banks on the brink these days: Losses are clobbering nonprofit bcredit/b unions that b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/10/in_tumultuous_financial_times_credit_unions_might_be_an_option_to_considercid=1256110151ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNE7gRzb_vd6sD8mlS-ApTXY5m9cTAIn tumultuous financial times, bcredit/b unions might be an option to b.../b/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.jacksoncountychronicle.com/articles/2008/10/10/opinion/03letchrisinger.txtcid=1256110151ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNHnU3p4WFvb3c_8uOIegznuLXNB5ALETTER: Your money is safe with bcredit/b unions/a font size=-1 color=#6f6f6fnobrJackson County Chronicle/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fayobserver.com/article%3Fid%3D306916cid=1256110151ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNErIjbTVEDiugGJoK6FDeB9kDmMGQFeds insure bcredit/b union deposits/a font size=-1 color=#6f6f6fnobrFayObserver.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256110151hl=ennobrall 9 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kval.com/news/business/30702319.htmlcid=1255632570ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNEkgWo5RGNFMlTqrveU_aK2cj-O7gimg src=http://news.google.com/news?imgefp=8gLU7UqLkL4Jimgurl=media.kval.com/images/080428_GM.jpg width=80 height=60 alt= border=1brfont size=-2KVAL/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.businessweek.com/investor/content/oct2008/pi20081010_861090.htm%3Fchan%3Dtop%2Bnews_top%2Bnews%2Bindex%2B-%2Btemp_investingcid=1255632570ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNHv9hfvnqM8rdalgV7Wz31QSzNq_wStocks: Buyer Beware/abrfont size=-1font color=#6f6f6fBusinessWeeknbsp;-/font nobr23 hours ago/nobr/fontbrfont size=-1The future direction of the ISM PMI is relevant to both the US economy and underlying corporate bcredit/b conditions. Standard amp; Poor#39;s Market, bCredit/b and Risk b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssFinancialServicesAndRealEstateNews/idUSL959093820081009cid=1255632570ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNFrFM6iJNmrJ9CATDKwiBh9UXUJZQ* Samp;P cuts Wendel bcredit/b rating to junk./a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/afxnewslimited/feeds/afx/2008/10/10/afx5535133.htmlcid=1255632570ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNFSNJIUmJD_KvjFA5F3CUCF97WF5gSamp;P cuts 13 Russian financial institution outlooks/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601086%26sid%3DaAX44aChK8rM%26refer%3Dnewscid=1255632570ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNFA8xhomGncd4n2GGlC-alPaetWNgAracruz Debt Rating Cut by Samp;P; $1 Billion Loss Cited (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/sp-revises-us-life-insurance/story.aspx%3Fguid%3D%257BB2CE600F-7446-405D-A6B5-A6DD3C1BDAD4%257D%26dist%3Dmsr_1cid=1255632570ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNFZYRz5KRfYn5xqVTaJrnaba4FlDgnobrMarketWatch/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bworldonline.com/BW101008/content.php%3Fid%3D054cid=1255632570ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNEiMSG7k8Y6hoGRO3IU1yOh2ojl3gnobrBusinessWorld Online/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255632570hl=ennobrall 234 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dividend.com/blog/%3Fp%3D2144cid=1254860311ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNGnIpMJ3VnWSGbnev8KZxjEzdnDOAimg src=http://news.google.com/news?imgefp=n-iTckVtn80Jimgurl=www.dividend.com/blog/wp-content/uploads/storypics/cme.jpg width=80 height=60 alt= border=1brfont size=-2Dividend.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.istockanalyst.com/article/viewarticle%2Barticleid_2699368.htmlcid=1254860311ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNFZSrWXRH5uTGaAXkfLy5UISEgc1QCME Group Details On Future bCredit/b Default Swaps Market/abrfont size=-1font color=#6f6f6fistockAnalyst.com (press release),nbsp;ORnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1b.../b owned in the past (we just rebought CME Friday morning) are positioning for a piece of the very huge (and very troublesome) bcredit/b default swaps market. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ajc.com/business/content/business/stories/2008/10/10/credit_trade_swaps.htmlcid=1254860311ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNGiDiXAcfU6lp1XApsO07XSfYoVRAICE, 3 other firms team up to trade little-known securities/a font size=-1 color=#6f6f6fnobrAtlanta Journal Constitution/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/deals/2008/10/09/financials-got-you-down-cme-pitches-credit-default-swaps-the-safer-way/%3Fmod%3Dgooglenews_wsjcid=1254860311ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNHi2sYdXQXziwmb-2h-yQFZvKjyTAFinancials Got You Down? CME Pitches bCredit/b-Default Swaps the b.../b/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mondovisione.com/index.cfm%3Fsection%3Dnews%26action%3Ddetail%26id%3D77979cid=1254860311ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNE8DXDCkpxkaOGOA4UTioSrqvWwUQEurex Clearing Presents Central Clearing Solution For bCredit/b b.../b/a font size=-1 color=#6f6f6fnobrExchange News Direct/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/cme-group-citadel-launch-first/story.aspx%3Fguid%3D%257B097CDE55-CE99-42BF-9BD9-D3650A10B3A3%257D%26dist%3Dhpprcid=1254860311ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNGEW0kTispsmImCCRtOAcPFgoJ9UwnobrMarketWatch/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.suntimes.com/business/1206883,CST-FIN-cme07web-w.articlecid=1254860311ei=AWzxSLy9BabU6gPfx6yMAwusg=AFQjCNGQUObEIctAymaYUf291qmt3vAvWgnobrChicago Sun-Times/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254860311hl=ennobrall 92 news articles/nobr/a/font/div/font/td/tr/table

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