Friday, April 16, 2010
ID theft lecture today
A representative from the
was on site to day
discussing ID theft
. I took some notes. Enjoy.
Get a single free credit report 3 times a year rather than all 3 at once. So go to
Jan. April, and Oct.
Credit security freeze is free in NC, good thing to do. Should do it. Reduces the need to check the credit report. A credit freeze can be unfrozen in 30 minutes with a phone call and a pin number.
note - can't get instant credit at the register... you know for the 10% off at the register, so if that is your thing.....
Even with a freeze a thief can use your Social Security number to gain employment. Check your yearly Social Security statements - to see if income is higher than expected.
don't carry Social Security card in your wallet, who does that?
don't carry your Medicare card - it has the Social Security number.
Try this: carry a xerox copy with the number partially blacked out, you know the rest.
More important to carry list of meds and primary care provider's name and number. Hospital staff can treat you more appropriately with this information.
Destroy documents you don't need - keep stuff around for 7 years (broad rule of thumb)
, shred-a-thon! These are industrial shredders - fast and no need to worry about staples binders etc. Paper is recycled.
And finally, one long running debate put to rest:
Of cash, check, debit, or credit card, the credit card is safest for all purchases. Reasons:
Cash and check can be stolen - $$ is gone
Using a debit card means that if the number is stolen, the thief is spending your actual cash.
If you use a credit card, you're risking the credit card companies money not yours.
I learned something, did you?
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