Good Advice Free

[Madaz]

This is some great advice most of us dont even think of basically copied and pasted

ATTORNEY'S ADVICE (NSW)

This is really great advice, some things to think about and consider!

ATTORNEY'S ADVICE (NSW) - NO CHARGE (for a change)

A corporate attorney sent the following out to the employees in his company:

1. Next time you order cheques, have only your initials (instead of your first name) and last name put on them. If someone takes your chequebook, they will not know if you sign your cheques with just your initials or your first name, but your bank will know how you sign your cheques.

2. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED".

3. When you are writing cheques 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 cheque as it passes through all the cheque processing channels won't have access to it.

4. Put your work phone number on your cheques 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 Centrelink Number printed on your cheques. 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 licence, 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 travelling 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 first-hand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly mobile phone package, applied for a VISA credit card, had a credit line approved to buy a Dell computer, received a PIN number from DMV to change my driving record information on-line, 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).

3. But here's what is perhaps most important of all: (I never even thought to do this.)

Call the three national credit reporting organisations 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 authorise 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 handed it in. It seems to have stopped them dead in their tracks.

Now, here are some numbers which you might need to contact if your wallet etc has been stolen:

1. Visa Card Australia 1800 621 199

2. Visa Card International 1800 450 346

3. Lost Travellers' Cheques 1800 127 477

4. MasterCard Australia (02) 9466 3700

5. MasterCard International 1800 120 113

6. Bankcard Australia (02) 9281 6633

7. Medicare 132 011

8. Centrelink Fraud 137 230

9. Seniors Card 1300 364 758

10. Passport 131 232

ANZ FREECALL 1800 033 844

BankWest 131 718

Citibank 132 484

Tamworth Coles/Myer Source 2340 1300 306 397

Commonwealth 132 221

CUSCAL- MyCard 1300 135 538

GE Capital 1300 369 904

Members Equity 1300 654 998

National 132 265

St George 1800 028 208

SydneyVirgin 2000 1800 080 000

Westpac 1800 230 144

Woolworths Ezy Banking 137 288

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.

[ted180]

good advice.

it wouldnt do anyone any good to steal my wallet, i dont have any money, haha.

[Jas033]

good advice.

it wouldnt do anyone any good to steal my wallet, i dont have any money, haha.

Hahaha, like most import drivers....it comes then it goes straight on the car!!! Good this has been put up anyway, you have to act like a spy to be safe these days!!!

[Krishy]

the above two comments are so damn true.....no one will gain any benefits from stealing my wallet....as almost everything i do is confirmed via phone....

[RubyRS4]

No credit cards for me ... debt free ... and all my financial stuff is very secure

Trust nobody!

[Madaz]

^^ i consider that not a + just because you have no cc doesn't mean your not a target

might be even moseso due to having such a good credit rating

remember above storey they had been approved for a pc from dell

[dnbutts]

sif i can be bothered doing all that =P

id rather it get stolen...

[ISC-Performance]

Some very good advice. Going through something similar at the moment....

Ryan

[Madaz]

sorry to hear Ryan

whether you loose your wallet or have it stolen

whether there are credit cards in there or not, its not to be taken lightly

[Sklyn]

My bank would not let me take my credit card without actually signing it.

I only wrote SEE PHOTO ID and the teller said I HAVE to sign it too!

Even though my Photo ID (license) has my signature on it!

[Damo_R34]

No credit cards for me ... debt free ... and all my financial stuff is very secure

Trust nobody!

Sweet, wanna take over some of my debts so you feel more like the rest of us