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1.  Financial Concepts
 


1.  Make a photocopy of all credit cards, debit cards, charge cards and bank accounts.
2.  Keep all receipts from use of the above
3.  Place a "pre-emptive fraud alert" with all 3 credit reporting agencies
4.  Change all Passwords regularly; place a 2nd level Password on bank savings/checking accounts
5.  Annually request an updated Social Security Earnings/Benefits
6.  Shred all "pre-apporved" credit card offers
7.  IF YOUR IDENTITY OR CARDS ARE STOLEN:
    -Place "Fraud Alert" with all 3 credit reporting agencies
    -Check out all 3 Reports
    -Have all bogus information purged
    -Close all accounts affected
    -Choose new Passwords for new accounts
    -Fill out the "Fraud Dispute" form with credit card company for all bogus charges
    -File a Report with your Police Dept and obtain a copy
    -File Federal Trade Commission's "Theft Affidavid" for all unauthorized accounts
    -File a Complaint with the Federal Trade Commission    www.consumer.gov
    -File a Complaint with your state's Attorney General   www.naag.org

 
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