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.
Create an Identity Theft Report on the FTC web site.
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.
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Atlanta Georgia 30374-0123
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Allen, Texas 75013
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Jackson, Mississippi 39288-7328