· copy everything in your wallet and keep a copy in your grab and go bag
· write down contact numbers next to each card
· do NOT keep a copy of your social security card in your wallet … ever!
· Make sure your ATM card doesn’t access all your accounts
If it happens:
· Cancel each credit and bank card; get new cards and change your passwords ASAP because you won’t be liable for any charges made after you report the card stolen
· Close your checking account if that was stolen as well … stopping payment on checks is costly and only lasts for 6 months
· File a police report and keep a copy to prove you were robbed in case credit companies ever ask
· Notify credit agency fraud departments: Equifax 800-525-6285 … Experian 888-397-3742 … TransUnion 800-680-7289. Have them put a security alert in your file that requires creditors to contact you before opening new accounts in your name. This will help guard against short-term identity theft. If someone does steal your identity, you can request in writing that a victim's statement, which is a security alert that lasts for several years, be attached to your file.
· Be sure to check all future credit card statements, bank statements and your credit report for unapproved charges or fraudulent accounts that would indicate identity theft.
Guard your wallet at all times! Even if it is not in plain sight, thieves are sophisticated so awareness and prevention are the keys. Protect yourself by making the copies … just in case! I would suggest you at least check this copy twice a year in case you added new cards to your wallet. An ounce of prevention is worth a pound of cure!