Remember, this may seem harmless because you may not have to pay for the use of your fraudulent personal information, but do not believe for a moment that the bank will absorb the loss, they will pass it on to you in the form of higher costs.
1. There are three major credit bureaus and it is important to check all three. Government regulations now allow you to check your credit report for free. By law, each of the three credit reporting agencies must allow you to one free report every 12 months. If you want you can ask for a report from one agency every three months.
It is important to check all three because the information may not be the same on each. If you find any errors please contact the credit agency immediately because this could be a sign of identity theft.
It is very important you are very attentive to the questions section. If some unknown organization looking at your credit report, it can be a sign that someone is using your identity to try and get a loan or credit card.
Check also all the addresses listed in your credit report. If there is an address that is listed that does not belong to you, it could mean someone pretends to be you and get the information sent to their homes.
2. Do not carry your social security card with you. If your card is lost or stolen, a thief can have one field only with personal information. Instead of getting the lock box at home, or better yet, get a safe at your local bank and keep it locked.
3. Shred all your documents. Unfortunately burglars aren't stupid, you'd be surprised what they can do with the information that most plain though. Don't take a chance, to destroy the whole thing.
Also, try not to throw away your trash until just before the garbage people came to pick it up. It was disgusting, but the fact is many of the thieves will swoop down and pick up trash bags directly from your trash. They will then go to some private location and sort out the garbage you try to find some type of personal information.
4. Stop receiving all the credit card offers in the mail. Every time you get it, this is an open invitation for thieves to come and pick it up directly from your mailbox, send it, and get a credit card on your behalf they will use.
You can contact the credit card company and tell them to cease to send you a quote by e-mail. If you get an offer in the mail, make sure you expunge an unlimited all that comes with the offer so the thief can't obtain that information.
5. Instead of signing the back of your card, which only allows a thief to learn how to copy Your signatures, you can write ' ID request ', or similar. That way the officer should always ask to see the kind of identification when the card was used.
These are just some simple changes every day that you can do to help prevent users from credit card fraud. By following these guidelines and use common sense, you can help keep costs low for us all and protect your good name at the same time.
Tag : Credit Card