Credit Card Fraud Prevention
TIPS

• Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge.
• Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit when disputing new unauthorized accounts.
• File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
• File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.
• Do not carry your Social Security card, your birth certificate, your passport or more than one credit card in your wallet or purse to minimize credit card fraud. Memorize your SSN and leave the card in a safe. Copy your drive license, social security card, birth certificate, passport and store in a safe place. To cancel your credit card as soon as a theft or fraud has occurred, keep a record of your card numbers and expiration dates and the phone number of the card issuer in a safe place. 
• Don't carry your passwords and credit card numbers in your wallet or purse to prevent someone from forging your credit cards stealing your identity
  
  Question: How do I remember all my credit cards numbers and passwords?
  Answer:  Store them in an electronic organizer and lock them with a single password. As an example, just create a record called "Vital Data" and store your passwords, website addresses, SSN, credit card numbers, etc. You don't need an expensive electronic organizer; some of the least expensive organizers (about $50) are very powerful, light, lots of memory for millions of characters and have keyboards! 
  
• Never give out your credit card number or bank account number  unless you know the person or company...especially over the internet to prevent someone from using or forging your credit cards numbers

Question: So, how can you buy something on the internet and NOT reveal your credit card number?

Answer:  Use American Express  Private Payments^SM . 

^{This card is incredible! Online Fraud protection, Smart Chip (read the description on the right)...and no annual fee!  This is a free online service for card members that provides you a one-time temporary credit card number used only once for each purchase. Online merchants accept this number identically to your actual credit card number. This allows you to hide your actual card number. Each time you make a purchase, you request a new temporary number!  Additionally, you can inspect your online credit charges anytime!}

• Order your credit report each year from the credit reporting agencies. This will detect if someone has been using or  forging your credit cards. Make it habit during your end of year vacation; its very easy to do over the phone or online. The major ones are Experian, Equifax, Trans Union -

• Check that that no one else is using your social security number. You can get a list of all names and addresses associated with your social security number from Social Security | Background Checks  !!!

• Consider an unlisted number to make it difficult for someone to steal your identity or forge your credit cards,
  
  
• Cancel your unused credit cards prevent someone from forging your credit cards,
  
  
• Lock  your mailbox  or use a post office box to prevent mail theft and prevent someone from forging your credit cards,
  
• Sign credit cards when they arrive, sign them "request ID" to force stores to request the ID of the person using the card. In case you lose your credit card, this will make it difficult for the thief to use your credit card or prevent someone from forging your credit cards with your signature. DO NOT WRITE YOUR SIGNATURE ON THE CREDIT CARD

• Keep copies of all sales slips. Report any  unauthorized charges to the card issuer. Draw a line through blank spaces on charge slips. Do not sign a blank charge slip. Destroy carbons and incorrect charge slips to prevent someone from forging your credit cards or stealing your identity.

   Finally....

• Verify that no one else is using identity ! Get your personal information verification, including your SSN. Click here!
  
  
  
  

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