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What's In A Name
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Susan was aggravated when she realized that her purse had been stolen,
but at that time she didn’t fully understand what it would truly mean
to her. In the coming months, she would be faced with substantial charges
on her credit cards that she did not authorize, withdrawals from her
bank account via ATM’s, new loans in her name and eventually, rejected
credit applications because of her new bad credit history. The sad thing
is that before Susan’s identity had been stolen, she had worked hard
to build her credit because she was saving to buy a new home. Now it
looks like it was all for nothing.
The above scenario is being played out all over America these days be
unsuspecting people who will spend the next few years trying to regain
their good credit name. It is commonly known as identify theft, and
you should not only know about, but also understand how to protect yourself
from it. Here are some safety tips that will help you keep your “good”
name.
Guard Your Information
You should always be on guard when anyone asks you for your personal
information, and always try to give them the least amount possible.
For example, some people may ask for your social security number in
order to process an application, but since that number can do a lot
of harm if in the wrong hands, you should try to negotiate and offer
other information instead. In addition, unless you have called a phone
number of a reputable company to place an order, never, ever give out
any personal information over the phone. It is the number one way that
thieves get hold of personal information.
Don’t carry a lot of credit cards, bank statements and other personal
information with you. Remember, the more a thief has, the more damage
they can do to your name. Instead, only carry what’s necessary for one
day at a time.
Keep a list of all of your credit card companies, along with their phone
numbers and your account numbers, in a safe place. If they are stolen,
you can limit your responsibility by calling the companies as soon as
you notice the disappearance. If you are lucky enough to notify them
before any bogus charges are made, you won’t be responsible for anything.
On the other hand, if you fail to report a stolen ATM card, you could
lose your entire bank balance!
Once a year, you should order a copy of your credit report from all
three credit reporting agencies. This will alert you to any financial
fraud that is going on, as well as any erroneous errors that need to
be corrected.
Finally, as silly as it sounds, be sure that you rip any credit card
carbons or old bank statements for receipts with financial information
on it. Why? Because credit identity thieves have figured out that one
of the best ways to find financial information is look through people’s
trash!
About The Author:
Peter Dobler is a veteran in the IT business. His passion for experimenting
with new internet marketing strategies leads him to explore new niche
markets.
Read more about his experience with credit and mortgages; visit
Credit
Score Information Directory
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