We were just returning from spending a day at the Dogwood Festival at Piedmont Park when my son received a call from the fraud department of his bank because of charges hitting his account that appeared to be fraudulent – and indeed they were. The proverbial “It won’t happen to me” sometimes results in our making careless mistakes and though small, they can cause great pain. It doesn’t have to happen to you – here’s how to avoid it.
Seven Steps to Help You Protect Your Identity
- Don’t use full names on your printed checks. The next time you order checks have only your initials (instead of your first name) and last name printed on them. If someone takes your checkbook they will not know how to sign your name but the bank will know.
- Don’t sign your credit cards. Instead write, “Photo I.D. required” on the back where you would normally sign. With the self-swipe machines this isn’t a guarantee but it will protect you when a person is handling the card.
- Don’t use full account numbers. When writing checks to pay your credit card bills do not write the full account number on the check, instead write the last four numbers. The company knows the rest of the number but no one processing the check will have access to it.
- Make copies of the front and back of everything in your wallet. You will know what you have, your account numbers and phone numbers to call if your wallet is ever lost or stolen. Keep the copies in a safe place.
- Discard electronic hotel keys. When you check out of a hotel that uses cards for room entry don’t turn the cards in. Keep the cards and destroy them yourself. Thieves use discarded hotel room cards (or those sold to them by hotel employees) and encode them with stolen credit card information. Those cards can then be used in ATM machines and point of sale swipe machines. It may not be your information they use but you can help protect someone else.
- Don’t give information over the phone. Never, ever respond to a phone call or email asking you to pay your bill or to update your information. Even if a caller gives you their ID #, name, etc., always thank them for the call and that you’ll go online to pay your bill or update your information. Same for emails requesting that you update your information. Go online to the company’s site to make any adjustments to your information
- Don’t display personal information. Never post your full birthday (mo/dy/yr) on Facebook or other social media sites. I’m amazed at how many people put their full birth date on Facebook: An identity thief now has your birth day, home town, high school, hobbies, etc., with which to form a “new” identity. If you must record something just give the month and day of your birth. Don’t print your SS #, driver’s license number or date of birth on your checks. Merchant’s don’t need your SS# or DL# to process a retail transaction but if their policy requires it, write it on the check only when needed.
Of course you can subscribe to different identity theft plans and programs offered by banks, credit card and third party companies but they all come with a fee. You can take the above precautions and it won’t cost you anything.
What to Do if it Happens to You
- Cancel the cards immediately (if you’ve done #4 above you’ll have the numbers handy)
- File a “stolen identity” police report in the jurisdiction where the loss occurred. You may have to amend the report to actual monetary theft later but this helps creditors realize you were actually a victim.
- Call the three national credit card bureaus and Social Security (numbers below) to place a fraud alert on your accounts. The alert means that any company that checks your credit will be informed of your stolen information and will have to call you directly to get authorization to establish new credit.
Equifax: 800-525-6285 TransUnion: 800-680-7289 Experian: 888-397-3742 Soc. Sec. Fraud Line: 800-269-0271
A Final Tip To Save You Money…
One other tip not directly related to identity theft but it could save you money: when paying a restaurant bill by credit card (or any bill where you would tip for services) never add the tip to the bill. By adding the tip to the bill you authorize the merchant to go back into your account but you never see the final charges. Tip amounts have been known to be changed so that $10 becomes $100. Instead, always write “Cash” on that line (just be sure to leave your tip in cash). Even a zero can be made into a double or triple digit dollar figure. If you must add your tip to the bill ask them to reprint your receipt with tip included.
This is not to cast aspersions on the many honest servers who work in this industry but I personally know one person who changed tips (now “serving” in jail for doing so) as well as someone whose tip was changed…so a word to the wise.
We would love to hear steps you have taken to protect your identity so please post your comments below. We may include them in future blogs.
You are welcome to share this blog post with your congregation or members.
PS. We know we usually write articles related directly to ministry but we are still “in this world” so we thought it might be helpful to provide some insight on the life application side as well. Let us know if you like the change of pace by rating the post below.
Karen Hosey
378consulting.com
