With so much personal information publicly available (or readily available for someone with computer skills a half) is essential to develop good habits to prevent your information from falling into the hands of criminals. It is possible for someone to create a full identity (get a driver’s license, etc.) on the basis of only a few pieces of information. I know of an employee who suffered an on the job injury then applied for disability. He was shocked when he refused. According to the records of the Convention on the compensation that had been collecting disability for the past year and a half.
Someone had gotten their hands on enough information to deplete your account! It can take years and thousands of dollars to correct identity theft, credit fraud or a simple key entry error by an employee at a credit bureau. It takes a few minutes for you to do these simple tips: Destroy all pre-approved credit offers you get in the mail before throwing it away. Otherwise, someone can fill out a new direction and obtain credit in your name. Use a paper shredder for all documents with your financial or legal information included. Sign all credit cards with ‘Please ask for photo ID “instead of signature. Never give your Social Security number or credit card in the phone unless you initiate the call and you know who you ‘re talking about.
Never carry your social security number in your wallet. You do not have to give your Social Security number to companies that request, although they have the right to refuse service. Asnicar government agency, and employment or of taxes related to the investigations must be answered. Reduce the number of pre-approved offers you get by requesting these credit bureaus remove your name from the lists: TRW (800) 353-0809, Equifax (800) 219-1251 and TransUnion (800) 241-2858. Once a year carefully your credit report from Experian (800) 682-7654 and free Social Security file, (800) 772-1213. If you are denied credit based on its report, the issuing credit bureau must give you a free copy on request – though usually billed. If you do not have a business ‘file system having a life’, cost-effective and Small Business Kit Home file that I use in my own business, making it easy for me to guarantee your satisfaction. (Do not provide confidential information on e-mail transactions or non-financial Internet unless it is secure and encrypted. (Look for the SSL reference) check guarantee and check verification agencies must provide the same protection as credit bureaus, including access to your report and correction of errors. If your check is rejected, you receive the name of the agency. For assistance in re-establishing good credit and correcting errors in non-profit Consumer Credit Counseling Services can help. To find the office nearest you call (800) 388-2227. More time-saving tips are available free for more than 15 years, Eve Abbott has been writing, speaking and consulting with executives, managers and business owners to increase their effectiveness in the organization of tools and techniques to melt the storm paper snow and dealing with the overload of e-mail. Eve is the Organizer Extraordinaire, a personal productivity expert whose wisdom has reached the pages of The New York Times, Working Woman and Home Office Computing.