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Home::Advice

Identity Thieves Drained Thousands of Bank Account Last Night!

Author : Tad MacPherson

Identity theft is the number one crime in America. Tens of
thousands of people that have always paid their bills on time
are waking up one day to discover their bank accounts drained,
maxed out credit cards in their name that they had no knowledge
of and their credit ruined.

Two weeks ago I became a victim of credit card fraud...and I am
as careful as you can be. Dealing with fraud victims on a daily
basis has taught me to constantly monitor my credit profile and
bank accounts. In this particular case someone had obtained my
bank debit card Visa information and was running up thousands of
dollars in charges. Had I not been in the habit of monitoring my
finances on an almost daily basis I may have been writing this
in despair, my hard earned money mounted in the form of a new
plasma screen television on the wall of some cunning crook.

In my case I was alerted to the illegal activity by a not so
pleasant visit to my online bank account. After picking myself
off of the floor and allowing the color to return to my cheeks I
immediately placed a call to my bank to cancel the card.
Luckily, my bank offers free fraud protection, but many don't.
If your bank does not offer this important service I recommend
you change banks.

I discovered the activity before the items had even posted. The
money was drawn into credit escrow and was not showing in my
account but the funds had not yet been released. My next call
was to the actual companies that had posted the transactions to
my account. They were listed under 'pending transactions'. After
a handful of telephone calls I was able to cancel all of the
transactions illegally charged to my account. I was lucky and
within twenty-four hours the funds were credited back to my
balance. Keep in mind that I speak at credit restoration
seminars and teach people how to protect themselves from these
predators. Fortunately, I also practice what I preach. In this
case it saved my hide.

When it comes down to it, the only sure way to avoid identity
theft is to cancel any accounts that can be electronically
accessed. Since this is not an option in today's day and age I
will give you a short list of precautions recommended to protect
yourself and your family from potentially catastrophic damage to
your finances and credit rating.

Recommendation #1: Make sure every credit card and bank account
you use has free identity theft and fraud insurance. When I fell
victim I was immediately relieved because my bank had my
backside covered.

Recommendation #2: Have a specialists make certain that your
computer is adequately fire-walled and any wireless network has
active security. It is easy for a hacker to acquire your
information if this is not the case. They have programs that
track every keystroke on your computer and use these programs to
steal your information.

Recommendation #3: Carefully monitor your bank accounts on a
daily basis. The criminal that stole my information was careful
to make the transactions on the weekend, early morning when I
was unlikely to discover the activity.

Recommendation #4: Purchase some form of Credit Monitoring
program. Many of these online programs are worth their weight in
gold. Not only do they alert you to changes in balances and
additions of derogatory credit but more importantly they alert
you if any credit cards are taken out in your name. That is how
they strike hardest. By setting you up on paper at a new address
and opening up new accounts in your name.

Recommendation #5: Purchase a home/office shredder and use it.
Dumpster diving is still well utilized for obtaining consumer
information.

By taking these simple steps you will be shielding yourself and
your family from possible attack. The threat of having your
identity and money stolen is real and without an active program
in place you may find yourself broke and fighting an uphill
battle to restore your finances and your credit. You never think
it will happen to you until it does. Take my word for it!

Copyright November 2005, yourcreditcures.com, USA Tad MacPherson
is a credit specialist with years of experience assisting
consumers with repairing, restoring and reestablishing their
credit. Get free advice and valuable credit tools at
www.yourcreditcures.com .

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