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5,788 Posts
Discussion Starter · #1 ·
the phone numbers here are specific to Canada, but the other advice applies to pretty much everyone, I would think...

Read this and make a copy for your files in case you need to refer to it
someday. Maybe we should all take some of his advice.

A corporate attorney sent the following out to the employees in his

1. The next time you order cheques have only your initials (instead of
first name) and last name put on them. If someone takes your
chequebook, they will not know if you sign your cheques with just your
initials or your first name, but your bank will know how you sign your

2. Do not sign the back of your credit cards. Instead, put 'PHOTO ID

3. When you are writing cheques 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 cheque as it passes through all the cheque
processing channels won't have access to it.

4. Put your work phone # on your cheques instead of your home phone. If
you have a PO Box use that instead of your home address. If you do not have
a PO Box, use your work address. Never have your SIN# printed on your
cheques. (DUH!) You can add it if it is necessary.

But if you have it printed, anyone can get it.

5. Place the contents of your wallet on a photocopy machine. 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.
Keep the photocopy in a safe place. I also carry a photocopy of my
passport when travel either here or abroad.

We've all heard horror stories about fraud that's committed on us in
stealing a name, address, SIN, credit cards.

Unfortunately, I, an attorney, have firsthand knowledge because my
wallet was stolen last month.

Within a week, the thieve(s)ordered an expensive monthly cell phone
package, applied for a VISA credit card, had a credit line approved to buy a
Gateway computer, received a PIN number from DMV to change my 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:

1. 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.

2. 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

But here's what is perhaps most important of all: (I never even thought
to do this.)

3. Call the two national credit reporting organizations immediately to
place a fraud alert on your name and Social Insurance 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 cheques 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 cheques initiated by the thieves'
purchases, none of which I knew about before placing the alert.

Since then, no additional damage has been done, and the thieves threw
my wallet away. This weekend (someone turned it in).
It seems to have stopped them dead in their tracks.

Now, here are the numbers you always need to contact about your wallet,
etc. has been stolen

1.) Equifax Canada: 1-877-249-2705

2.) Trans Union: 1-877-525-3823

We pass along jokes on the Internet; we pass along just about

But if you are willing to pass this information along, it could really
help someone that you care about.

10,307 Posts
1 is good if you can fin someplace to take the check.
2 is 50% worthless. That is the number of places that do not ask DW or I for photo ID, common places of purchases where they know us excluded.

13,489 Posts
1 is good if you can fin someplace to take the check.
2 is 50% worthless. That is the number of places that do not ask DW or I for photo ID, common places of purchases where they know us excluded.
I agree. I never sign the backs of my credit cards. Only a couple stores ask for ID. Most of the time the teller doesn't even look to see if it's signed.
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