I have a friend who insists on carrying her social security card in her wallet. I have (repeatedly) tried to warn her of the dangers of that practice. I have explained to her that the social security card is the single biggest piece of information that could do damage if someone gets a hold of it. So, for her, the question of what to do if social security card is stolen may come true sooner rather than later. There are many steps you can take to protect your precious information, including your social security number. If you take the precautions you may never have to worry about what to do if social security card is stolen. Here is the number one way you can protect your social security card, as well as all your important information: 1. Never carry your social security card in your wallet. Why would you want to anyway? You don’t need it. You can just memorize the number and put the card away. 2. Put your social security card, as well as all important documents and unused credit cards, in a safe place. That safe place may be a safe deposit box or a safe right in your own home. These small water proof and fire proof safes don’t cost very much but they can be very valuable in protecting your information. If possible, bolt the safe to the floor so it is difficult to steal. 3. If you have any insurance or Medicaid cards that use your social security number as your identification number, you need to be careful with that too. Unlike your social security card, which doesn’t need to be carried with you, you do need to carry these insurance cards with you. For that reason it is important to make sure that the ID numbers on those cards, that are actually your social security number, will be kept safe. One thing you can do is make a copy of the front and back side of your insurance or Medicaid card. Then you can black out or cut out the last four digits of your social security / identification number. Then just keep that piece of paper in your wallet or cut out both sides and tape or glue them together to make your own "card". The government, as well as top insurance companies, are starting to realize that this can put your social security number in danger and will eventually do away with using these numbers as ID numbers. Until they do though, you can use this method to protect that number and still have your cards with you. If your social security card is lost despite all your best efforts, you need to contact all 3 credit bureaus since the number can be used to steal your identity. Also, contact your local police department and file a report about your loss. Hopefully, the information in this article will help you keep your social security card from being lost or stolen. And failing that, will help you know what to do if social security card is stolen. Richard Moyer is the Owner of http://WebcastSource.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.
If you ever find yourself the victim of identity theft I have good news and bad news. The good news is that since this type of fraud is happening more and more often, the process of putting things back together has improved a little. Can you imagine what it was like to prove someone had stolen your identity and try to clear your name back when it was still relatively unheard of? The bad news is that even though it may be a little easier today to reestablish your good financial name, it can still be a huge hassle. In this article I will give you some tips of the steps you need to take to get your records and credit cleared up. One of the best things you can do to get things cleared up as soon as possible is to act quickly. The second most important thing is to keep careful records. Document everything: everyone you speak to about this issue as well as dates and times of the conversations, keep copies of any letters you send or receive during this "clean up" process. Other than those tips, here are the specific things you should do: 1. No matter what has alerted you to a problem, as soon as you see something is wrong immediately contact all three credit bureaus: Trans Union, Experian and Equifax. Make sure they understand that your information has been compromised, explain in detail what has happened and request a fraud alert is placed on your reports. This fraud alert should make it impossible for anyone to open up a line of credit using your information. Ask how long this fraud alert will stay in effect. It may only be for a few months but you may be able to have the time frame extended beyond that point. 2. If any of your existing credit cards are lost you should also contact all your credit card companies and let them know what has happened. They will probably cancel all your cards and reissue new ones to you. 3. Contact your bank to see what, if any, steps they think you should take. Opening a bank account in your name or even having someone add themselves to your account and then cleaning you out are very real scenarios. Your bank should be able to tell you what you, or they, can do and what safeguards can be put in place to protect your existing accounts. 4. And last, but definitely not least, contact your local police department and file a report. This can help out later when you are trying to put things back together again. It may also be important if the thief is ever caught. The bottom line is this: do everything you can do to prevent yourself from becoming a victim in the first place. And if you ever find that despite your best efforts someone has succeeded in stealing your identity be willing to take the time to get it sorted out. Never be afraid to ask questions, get the names and titles of the people you are dealing with and make a timeline. Keep all records and stay calm. This too shall pass. These tips can make it easier to get everything back to normal if you ever become the victim of identity theft. Richard Moyer is the Owner of http://WebcastSource.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.
The question stolen wallet what to do is a common issue. The things that you do immediately after losing your wallet or having it stolen are very important. If you do the right things right away, you can almost always diminish any problems that will arise from your information falling into the wrong hands. The longer a crook has with your personal information, not to mention your credit cards, without you knowing it, the more damage they can do. So, the sooner you catch the situation and notify the right people the sooner you can stop the bleeding. In this article I will go over some easy things that you should do as soon as you realize that your information has been compromised. Again, do these steps as quickly as you possibly can once you realize your wallet has been stolen. Start here: 1. The first thing you need to do is to make sure all your credit and debit cards are canceled. This will be a slight inconvenience for a while, true, but there is nothing else that you can do. It will be even worse if someone racks up huge debt on your credit card. There will be 24 hour access to your credit card company, usually a phone number. The numbers are usually on the back of the card, though that won’t do you any good if you have lost your card. So, make sure you write down these numbers and keep them somewhere safe just in case this ever happens to you. 2. Next, you need to contact your bank. Let them know that your wallet has been lost or stolen. They will probably want to keep a close eye on your account. One thing that crooks like to do is to add themselves to your account. They will pretend that they are an owner on your account so they can take all the money out of that account. They may be able to use some of the information they find in your wallet to add themselves to your accounts. Let the bank know that your information is floating around out there somewhere. 3. Contact each of the three credit bureaus (TransUnion, Experian and Equifax) right away. They will need to know that someone has stolen your wallet and could possibly try to steal your identity. If your wallet is stolen you can usually get a fraud alert placed on your accounts. This will make it a lot more difficult for anyone to use your information to open up some sort of credit, whether a loan or another credit card. 4. The last thing you need to do, but by no means any less important, is to file a police report. This too will help you establish a time line. That time line can come into play if there is any damage done to your credit or loans or credit cards taken out in your name. This step will make it easier for you to prove that you really aren’t the one who did the spending. Hopefully this information will help answer the question "stolen wallet what to do" if you ever find yourself in that situation. Richard Moyer is the Owner of http://WebcastSource.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.
If you find yourself asking the question "identity stolen what to do?" then this article can help. I will go over some of the basic things you should do to minimize the impact of a stolen identity on your financial life. I will also go over some simple things you can do to spot the identity theft as early as possible. The sooner the theft is detected the more you can do to keep the damage to a minimum. So, here are the steps to take that will allow you to spot trouble right away: 1. You are legally allowed one free credit report from each of the three credit bureaus once a year. If you spread out when you get the report to one from one bureau every 3 months or so, you can spread it out for a year. This is a great tactic and will enable you to keep an eye on your reports all year long. Remember though that not all reports will have the same information. If you spot anything that doesn’t look right contact that particular bureau as soon as possible. This could very well be the first sign that someone has stolen your identity. 2. If you have some credit cards that are getting close to expiring but you haven’t received your new ones yet, this could be a sign that someone has stolen the new cards. It’s not uncommon for them to take them right out of your mailbox. If this happens contact the credit card company immediately. Also carefully read over all your credit card statements every month. If you see any unusual transactions contact the company right away. 3. If you receive a letter from the post office read it. Don’t ignore it. The post office will contact you at the address they have for you to notify you that someone has requested a change of address. This is a common ploy used by thieves: they will simply redirect your mail to themselves so they can search through your mail at their leisure. If you spot any of these issues it’s a good bet someone has stolen your identity and is trying to cash in. If that happens, or if your wallet is lost, do the following right away: 1. Contact all 3 credit bureaus and explain what has happened. Tell them you want a fraud report attached to your credit report. That way the thieves can’t open new lines of credit in your name. 2. Next, contact your bank as well as all the companies you have credit with. Tell them what has happened so they can monitor your accounts. Another common tactic is the thieves will add themselves to your account then once they are listed as one of the account holders, they will clean you out. 3. Contact your local police department as well as the FBI. You want to file a report and establish a time line. This will help protect you from the damage the crooks do. These are all just very basic steps, your local law enforcement agency, bank or credit bureau may well have more information for you. Do what they tell you to do. Also, make sure you keep careful and detailed records of every step in the process. Hopefully these tips will answer the question "identity stolen what to do"? Richard Moyer is the Owner of http://WebcastSource.com. Check us out anytime for marketing tips and a free subscription to our cutting edge newsletter.