5 Tips to Protect Yourself from Credit and Identity Teft
Provided By Eileen Cioe, CFP®, CFS®, CLTC
have happened to you. It can be a nightmare – and an expensive and time consuming one at that. There are simple actions you can take that can help to protect your identity and your credit rating: When you order checks, don’t use your full first or middle
T
names; use your initials with your full last name instead. Who’s going to guess that “B” stands for “Barbara” or “Bertram” when attempting to forge your signature? Instead of using your home phone number on your checks,
put your work number. In addition, if you have a PO Box, use it for your address and never, ever publish your Social Security number on your checks. Make photocopies of every piece of identification that you
carry with you daily – and be sure to copy both sides. Keep the copies in a safe and handy place. If your wallet is ever stolen, all the information you‘ll need – auto license, registration, credit card account numbers and customer service hot lines, will be available to you in one place. If your credit cards are stolen, immediately file a police report in the jurisdiction where this occurred. You’ll want enough back-up proof as possible for your credit card issuers that you were diligent. If your credit cards are stolen, call all national credit report- ing organizations immediately to place a fraud alert on your name and Social Security number. The alert lets any company that checks your credit know that your information was stolen and that they are to contact you by phone to authorize any new credit. Their numbers are: Equifax 800.685.1111; Experian 888.397.3742; and Trans Union 800.888.4213. In case your So- cial Security card or number is stolen, it may be best for you to notify the Social Security Administration at 800.269.0271, too. While no amount of caution can be totally foolproof, being
aware of the potential identity theft possibilities and how to pro- tect ourselves are simple steps to give us added defense. This article appears courtesy of Financial Services Represen-
tative and Financial Planner Eileen Cioe, CFP®, CFS®, CLTC. Ei- leen offers fee-based financial planning services through MetLife Securities, Inc., (MSI) a registered investment adviser, New York, NY 10166. She focuses on meeting the financial needs of indi- viduals and business owners. You can reach Eileen at the office at 5900 N. Andrews Ave., Ste. 900, Ft Lauderdale, FL 33309, 954.331.5112. See ad opposite page.
oday’s fast paced world of electronic convenience has made identity theft an ever-increasing problem. You prob- ably know someone who this has happened to – it may
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June 2011 27
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