TIPS TO PROTECT YOURSELF AGAINST CREDIT CARD FRAUD AND IDENTITY
An ounce of prevention can prevent identity
theft and credit card fraud
These tips will help you minimize credit card fraud, internet credit card fraud
and will help your efforts towards credit card fraud prevention. Credit
card theft and credit card fraud statistics show a continued
world wide rise which can be mitigated by reporting credit card fraud
whenever it is detected. You should report credit card fraud the moment
you are made aware. Online credit card fraud exists when there is
no or very little credit card fraud protection methods being employed.
Those that commit credit card fraud can be caught and punished by using
these credit card fraud detection fraud methods. Other credit card credit card fraud papers
are available on the internet.
Punishment for credit card fraud is
severe but is seldom a deterrent for the internet criminal. The above
tips and knowledge of credit card fraud law can avoid loses and the
inconvenience of losing a credit card. The most important method to
prevent a fraud credit card is protect your credit card numbers
and personal identity information.
- 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
- 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.
carry your passwords and credit card numbers in your wallet or
purse to prevent someone from forging your credit cards stealing
Question: How do I remember all my credit cards numbers and
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
- 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?
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
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.
- Verify that no one else is using identity
! Get your personal information verification, including your
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