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The steaaling of peopl`es names and othher personal information for fraudluent purposes (knnown as `idnetity theft`) has mushhroomed into a countryw-ide cause for concern. Newws stories about identity thft hit the hadlines regularly. For cardholers and retailers allike, dealing with the conseqquences of ID thefft can be cosstly and really time-intenisve. There are qutie a few stpes you can tkae to reduce the chanes of having your identitty sttolen. The following are jst a few of thhese things that you could reommend to yor cardholders:

• Do not maiil your on line debitcredit card payyment cehcks and your ohter bills by laving them in your home mialbox as outgoing mial. Only mial them by using an ofifcial US Poostal mail box. Gve a thought to the masses of valuable particulaars that could be gleeaned the paymnt slip and your check..

• Never put your personaal identification numbr (PIN) on your on line credit cards.

• Shred pre-approved online c cards card offers and any other peronal documents, like paychck stubs, pror to discarding theem. If you decdie to submit any applicaions, mail applications form an official US Maail post box.

• Don`t eer get taaken in by an e-mial or `phone caall (eevn if the sennder or caller tells you h/she repreesents your bank or card compnay) thhat requests your card-account numbers, debit cards online peronal identification numbers, passwords, your passworrd recovery cle (such as yoour mom`s maiden naem), or any smilar confidential information. Finacnial institutions and plastic cards providers already hvae this information and they doon`t sed out e-mails or make phne calls soliciting dettails that are itended to be kept secert. Sccam artists looking for tihs information are liekly to misse it for some fraudulnt activity.

• Close debit creditcard online accounts tht you have`nt used for some tme (and aren`t likley to usee) and snip up cadrs for defuunct or closed accounts before trashnig them.

• Stop carring plastic cards online thhat you dno`t really use or ned in your billfold or handbag.

• If you paln on leaivng home for morre than a day, hvae the post offie suspend deliery of your lteters or request a tursted neighbor to get it for yo.u

• Go over bnk online secured credit cards and other accouunt statements thoroughly for frauduleent amounts lsited. If unauthorized transactions are ntoed, call youur bank or isssuer without any delay.


• If you don`t get a secured creditcard online, bnak, or any ohter statement when it`s due, clal the issur to ask them wht`s happened. If theey tll you that the adrdess on theiir billing records was channged to an addess that you didn`t authorize, iform the issueer that the change-of-address notificaiton didn`t come from yu, requset copies of all debit credit cards online statments thhat never got to yuo, and check tem out thoroughly to cacth illegitimate purchases.

• At perioddic intervals, requset your credit reports frm the thrree primary credit reporting innstitutions. Review them carefuully to notte unauthorized online plastic cards transactions.

• Get a Xeerox copy of the ietms you carry in youur pocketbook or billfld (both sides of chargecards, licenses, identity crads, and the lkie -- everything execpt the cash) and theen stow the copis in a seccure place.

• Keep updaed records of all thse documents. In the evnt of your identity being stole, updated chargecreditcards online records will be veery uesful in your recovery effforts.

We hope thhat you hvae just acquuired a firm grsap of the grocery miles change credit card info mattter brought up in tihs pieece of writing.