The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.
Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED".
When you are writing checks 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 check as it passes through all the check processing channels won't have access to it.
Put your work phone number on your checks instead of your home phone. If you have a P.O. Box, use that instead of your home address. If you do not have a P.O. Box, use your work address. Never have your social security number printed on your checks (DUH!). You can add it if it is necessary. But if you have it printed, anyone can get it.
Copy the contents of your wallet. Do both sides of each license, 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 in case your wallet is lost or stolen. Keep the photocopies in a safe place.
Carry a photocopy of your passport when traveling inside the U.S. or abroad.
The individual who wrote this lost his wallet and in within a week, an expensive monthly cell phone package was ordered, a VISA credit card was applied for, a credit line was approved to buy a Gateway computer, a PIN number was received from DMV to change this individual's driving record information online, and more. But here's some critical information to limit the damage in case this happens to you or someone you know:
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. 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).
But here's what is perhaps most important of all: Call the three national credit reporting organizations 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 authorize 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.
Here are the numbers you always need to contact about your wallet, etc., has been stolen:
Equifax: 1-800-525-6285
Experian (formerly TRW): 1-888-397-3742
Trans Union: 1-800-680-7289
Social Security Administration (fraud line): 1-800-269-0271
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