An Attorney's Advice ...and it's free!




This article was sent to me via email from Tony Santoro. He is a Financial Advisor, and Life Insurance Agent with Keybase Financial Group. Tony can be reached at

Make a copy for your files, you may need to refer to it someday. It’s good advice. A corporate attorney sent the following out to the employees in his company:

The next time you order cheques have only your initials (instead of first name) and last name put on them. If someone takes your Cheque Book 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 cheques.

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.

Put your work phone # on your cheques instead of your home phone. If you have a P.O. Box - use that instead of your home address. NEVER have your Social Security number printed on your cheques.

Place the contents of your Wallet on a photocopy machine, do BOTH Sides of EACH License, Credit Card, etc. You will then 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.

Carry a PHOTOCOPY of your PASSPORT when you travel!

We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards, etc. 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 easily.

File a police report immediately in the jurisdiction where it was stolen. This proves to Credit Providers you were diligent, and is a first step toward an investigation.

HERE'S what is perhaps MOST IMPORTANT:

CALL the THREE NATIONAL CREDIT REPORTING Organizations IMMEDIATELY to place a FRAUD ALERT on Your Name and Social Security number.

We had never heard of doing this until we heard the story of a customer who was advised by a bank, that an “Application for Credit” was made over the Internet in their name! The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.

The important numbers are:

Equifax Canada: (Your Credit File): 1-800-465-7166
Experian: (formerly TRW): 1-888-397-3742
Trans Canada Credit: 416-465-7166

In Canada Contact: Human Resources Development Canada 1-800-206-7218

Thanks for sharing all of the above Tony! It’s important that we are prepared, and hopefully we never need to use your information.

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