Curb the Demand
Check and Credit Card Fraud is a real business for crooks, built on supply and demand. Impossible to curb the demand, you can help eliminate the supply by taking the following precautions:
- TEAR UP or shred all old and unused checks and credit cards. This includes any applications you receive in the mail that you do not want to keep.
- PROTECT your checks and credit cards at home. Lock up your supply, even from family and friends.
- While shopping, KEEP all checks and credit cards in your possession. Do not leave purses and wallets unattended, even for a second. Don’t leave them in your car.
- At work, SECURE all checks and credit cards. Don’t leave purses and wallets exposed.
Most thefts of checks and credit cards are CRIMES OF OPPORTUNITY. Help reduce your chances of becoming a victim.
What actions to take if you become a victim?
(Should be done within 24 hrs)
- File a report with your local law enforcement agency.
- Obtain a copy of your police report for your records.
- Contact all vendors and banks that have been tampered with and let them know you are a victim of fraud. If applicable have the accounts for the compromised checks, credit cards, etc. closed.
Other Actions you can take
Contact the Federal Trade Commission (FTC) at (877) 438-4338.
- Complete the ID Theft Affidavit on the FTC web site and complain form for a repot. (http://www.ftc.gov/conline/pubs/credit/affidavit.pdf)
- Notify the Social Security Administration to replace Social Security or Medicare/Medicaid cards. DO NOT obtain a new Social Security number. You will loose your credit history. (http://www.ssa.gov/)
- Contact any of the below listed credit bureaus to add protection to your file.
- Check with the Department of Motor Vehicles to see if a duplicate driver's license has been taken out in your name.
How to handle contacts from collection agencies
- 1. Draft letter explaining you have been the victim of fraud and include the police report number.
- 2. Mail a copy of the police report and the letter to the collection agency.
- Keep copies of all correspondence sent to creditors.
P.O. box 740123
Atlanta Georgia 30374-0123
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Allen, Texas 75013
P.O. Box 97328
Jackson, Mississippi 39288-7328