10 Ways To Protect Yourself Against Identity Theft

Every Military Family will over the years acquire mounds upon mounds of paperwork, from bank statements, credit card statements, wills, POA’s, loan documents, housing paperwork, to everything in between. One thing we learn quickly as a Military Family is it is important to keep documents organized or what our idea of organized is. Let’s face it; most of us are not as document organized as we would like to be, nor do we really need this huge mound of paperwork. But what should we keep and for how long? What is ok to toss? What papers should be kept in a safe or a safe deposit box? Which ones are ok to keep in a filing cabinet? And when on earth can we get rid of some of this crap?

Now you can focus on your personal identifications. If you carry your social security card replacement in your wallet, you will need to contact the Social Security Administration through their fraud line at 1-800-269-0271. You should also contact your Motor Vehicles Bureau about your driver’s license. Make sure that you ask what documentation you will need to bring with you to have new identifications issued. Chances are that you will need to dig out your birth certificate. If you carry workplace identifications or security clearance cards, make sure that you notify your employer.

Finally, you need to call your local police department. Give them your list of items that were in your wallet. Chances are that your wallet will not be recovered, but you will want to have an accurate record of when your wallet was taken and what was inside of it. There have been instances where cardholders are asked to provide this information. You may be asked to come down and sign a police report, so be prepared to do so if asked.

Shop around for a credit social security card replacement that uses the “Average Daily Balance Method.” By using this method, you will be given credit for your payment from the first day the company receives it, and, the interest on your balance will be computed on your average balance from just one month.

Traveling with a suitcase that has no dividers or compartments you can split your clothes up in can be tough. A great way to get around this problem is by placing a piece of cardboard between different clothing selections or items. Not only will you be able to separate your items, but you will come out looking more organized.

How you pay your bills is data entry into a computer by the HUMAN ELEMENT. Do humans make mistakes? You answer that one. Credit Reporting Agencies do not care about your credit. They, are supported by merchants that pay a small fee to find out about your bill paying history. Lets just say that out of three hundred million people, everyday over one million credit reports are provided. Now, multiply that times $12.00 and you have Twelve million bucks to divide between THREE major companies daily. If that doesn’t wake you up, nothing will.

When did they get the account? Well they got the account in June of 2006. So, they report to the credit bureau that this account was OPENED with them in June of 2006. My new friend/s GUESS WHAT has just happened? Happy Landings Collection Agency has just added (3) years to your credit prison sentence and this derogatory item is now on your credit report for (10) years. Fair? NOT AT ALL. What can be done? Without any knowledge or what to do about it, or how to find it, NOTHING. BUT, if you understand everything that you have read so far, you can notify the credit bureaus and the furnisher of information that the account is AGED and Federal Law prohibits that.

I was back to walking home after closing the theater. The owners would usually not stay after the concession stand closed and unless I knew someone that was at the movie I would be stuck with walking the 5 miles home in the dark. I don’t know how many times I walked off the road and almost fell into the ditch on those nights when there was no moon.

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