[Neighbors] Fw: [nmtlamembers] worthwhile personal security advice

Tue Feb 13 21:49:47 MST 2018

Great info to have! 

Also, for those who like to have some of the
work done ahead of time ~ it's very easy to freeze your credit reports
for each of the credit check companies (Equifax, Trans Union and
Experion). It's probably free for a little while longer for two of them.
This prevents accounts being opened in your name. If you ever want to
open an account, or apply for a new job, all you have to do is "thaw"
the account with whichever company will be called (just ask your lender
or prospective employer which one they will use). You can even do this
thaw for a specified period of time and for a specified entity (your
lender, etc.). Fees for a freeze could be free to $15, for a thaw, $5 -
both for each company. I think it's worth it. 

NMPIRG is a great
resource for more info on this. 

One less thing you would have to deal
with during a very trying time. 

Thanks again for the other tips! I
hope to incorporate them. 

Karen 

On Feb 13 2018 11:52 AM, JRB via
Neighbors_nobhill-nm wrote: 

> All: Some good advice.
> 
>>
-----Forwarded Message----- 
>> From: "Mike Gallegos (nmtlamembers
listserver)" 
>> Sent: Feb 13, 2018 10:31 AM 
>> To: New Mexico TLA
General Membership List 
>> Subject: [nmtlamembers] OT: Don't Delete -
worthwhile personal security advice 
>> 
>>
![endif]-->!--[if>![endif]-->!--[if>![endif]-->!--[if> 
>> 
>> LIST:
nmtlamembers SENT BY: Mike Gallegos (Reply Privately)
>> Search [1]
>>

>> SUBJECT: ATTORNEY'S ADVICE -- NO CHARGE 
>> 
>> ATTORNEY'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 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. 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. 
>> 
>> 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. 
>> 
>> 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 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:
>> 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 you care about. 
>>

>> [2]
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