Bankruptcy Prof Blog

The statistics of identity theft have become so high that the majority either know somebody who’s had his identity nicked or have experienced it themselves. It is a frightful thing to go through and a big mess to try and get cleaned up. It can imply hours of work, telephone calls, court cases, and plenty of hassle that no-one wants to handle. It can be something which will haunt you for years every time you try to purchase anything on credit. There are ways to protect yourself, and indeed all means of protection should be exhausted to keep your identity safe.

First, it is now against the law for firms to print your credit card number on your invoice. This includes the invoice they keep. They no longer need your number. When they process it, they’re given a transaction code that will reference the exchange with your credit card number. It doesn’t need to be on either copy of the receipt. Sometimes folk will look at you funny, but I make a habit of checking for the number before signing the slip. Then, if they’ve got it released I doodle it out and then sign and hand it back to them. This is for your protection. It doesn’t mean that you are expecting the clerk to try and rob you, and they shouldn’t take it personally. What if somebody were to break into their store and steal credit card receipts? That person would have tons of info wanted to nick identities. So, cross that number out and make it illegible!

An alternate way to protect yourself is by checking your credit card statements. Compare them to your bills and ensure everything adds up. This is the only way to discover if someone is using your card-you’ll be able to find it out faster this way and cut back the amount of damage done.

Next, keep your credit card with you at all times. Don’t let other people take it. If you hand it over to make a payment, keep your eye on it. Confirm they do not take it to a back room or somewhere out of the way. Keep your wallet open and prepared to remind you to get the card back right away after the exchange is complete. Don’t permit yourself to feel rushed and end up leaving your card behind.

Last, don’t make a response to email phishing scams. Nobody should be asking you for your ATM card, SSID number, or other information by e-mail. Companies shouldn’t operate this way, and it’s generally an elaborate trick by someone who isn’t affiliated with your bank in the slightest. They’re just trying to trick folk into giving out personal information so they can steal identities.

These are just a few ideas to remember to keep your identity safe. I. D. theft has become so common that it’s important to take every measure to keep your information safe. Do everything you can to avoid having this happen to you and if it does, try to catch it early to avoid a large amount of damage.

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