Posts Tagged ‘Wallet’

How to Save Yourself After Losing Your Wallet

How to Save Yourself After Losing Your Wallet

Losing your wallet can be quite frustrating. It can be even more heart-breaking when you realize that all your valuables such as credit cards, debit cards, hardly earned money, security cards, personal id cards etc are lost with the wallet. So here we discuss what you should do in case of a lost wallet incident. This will certainly save you from the possible crimes that could occur from identity theft.

The first step you should do when you realize that your wallet is lost is to report to the police station. File case against pick pocketing. You can call 911, 611 or 311 to contact the nearest police station. This will also enable you to get a replacement driving license from the DMV. Also verify the procedures that can be done to prevent crimes due to identity theft.

Next step is to call the bank authorities where you have held up a bank account. You should act quickly in order to block your accounts. There is a possibility that the thief could use your credit or debit card at any banks or ATM’s to withdraw your money. So as soon as you realize that you lost your wallet, contact the bank and report the incident. This will authorize them to officially freeze your account transactions. Also make sure to change all the passwords to your account once you recover the credit and debit cards.

You can get a driving license or vehicle permit from the DMV if you present a report from the police. To avail such a facility you should present 2 copies of your ID card. Checking out the DMV website will help you in validating the process and to make it easy.

In case you have lost your social security card, you can get a second one from the concerned department. First report the incident of wallet theft. Present copies revealing your identity and its proof. Fill out SS-5 form, which will help you get a replacement for the lost social security card.

It is always good to avoid problems, than solving it after its occurrence. Hence do not carry very important and private information in your wallet. Carry only the necessary amount of money and cards with you. Always keep an account of your contents in your wallet. This helps you to remember what all things you lost with your wallet.

Share on Facebook

When someone returns your lost wallet!

You get restless when you find that your wallet is missing.  When someone returns it with all contents intact, it will give you a great relief. However, things are not that simple these days.  A returned wallet may temporarily console you with a feeling that you have not lost anything, but much bigger losses may be forthcoming in the form of identity theft!

This is a new trick used by identity thieves.  They may steal your wallet, take out essential numbers and other personal information from it and return it to you as an honest person.  You are happy for getting it intact.  However it may be an indication of horrible danger ahead.  Many details like your social security number, your credit card numbers and sometimes even  pin codes (if you write them on a piece of paper for easy use and keep in wallet) will be taken out in no time.  The fraud will move ahead without slightest doubt to you.

Here are a few steps if your wallet is stolen (and even returned to you sometimes later)

File a police complaint – You should file a police complaint quickly once you find that your wallet is lost.  While making such complaint, you should ask the name of the officer who is speaking to you.  If your wallet is returned, you can speak to this officer once again informing about the return of the wallet.  You can also tell that office your suspicion about possibility of identity theft.  In case the local police station is not prepared to listen to you about identity theft, you should contact the FBI to inform them about your suspicion. Promptly contact your bank as well as your credit card issuer – Once you realize that your wallet is accessed by someone for a short time, you should report this fact to your bank as well as to your credit card issuer quickly so that they will monitor your account closely to find out possibilities of fraud.  You should tell the bank and the card issuer that you might be a victim of identity theft.  It is better to close existing accounts and open new accounts to wipe out all the clues.

You can also check your bank account and credit card account on-line frequently to locate any unauthorized transaction.

You should contact any one of the three credit bureaus to report such incidence.  You can also request the bureau to put a fraud alert on your account so that no new account will be opened anywhere in your name. If your report to one credit bureau, they will inform to the other two. You should go to the department of motor vehicles located near your place and inform them that your wallet was stolen and as a consequence your license details may be used for fraudulent purposes.  You should preferably write a letter so that you have a proof with you.  You may also consider requesting another driver’s license with a new number. After a couple of months, you should request a copy of your credit report so that you can find out whether there is anything suspicious in it.

You may feel that some of these actions are extreme for losing your wallet temporarily, but remember, even if your wallet is returned intact, important information might have been taken out by the identity thieves.  You cannot be too careful about safety of your identity.

Share on Facebook

Credit Repair and a Lost Wallet

Getting Started

If you have lost your wallet you should take defensive action as soon as possible. Make a list of everything that was in your wallet; credit and debit cards, identification, insurance cards, movie rental cards, etc. The first order of business should be to contact all credit and debit card issuers, and inform them of your loss. They will deactivate your cards and discuss your options. Most credit card companies will provide a new card immediately to minimize your inconvenience. Once you have contacted everyone it’s time to consider additional precautions. If you need help, most credit repair professionals will be familiar with your choices and should be happy to provide guidance.

Fraud Alert

A fraud alert is a message on your credit report notifying potential creditors that your personal information may be used fraudulently, and requests them to contact you by phone prior to extending new credit. An initial fraud alert will remain in place for 90 days, and can be cancelled anytime. You may place a fraud alert on all three reports by calling just one of the three bureaus as they are required to contact the other two. You may also initiate your fraud alert online at the bureaus websites. Once the 90 day period is past, you may place an extended fraud alert on your report which will last for seven years, if you feel that your identity is still at risk.

Credit Freeze

A credit freeze is a more dramatic step you can take to insure that no new accounts are opened in your name. Once a credit freeze is active potential creditors will not be able to access your report. There are exceptions which allow a variety of pre-authorized parties to view your reports. This includes your current creditors who have the right to review your credit, collectors that work for current and past creditors, and companies that offer pre-screened credit. You may lift a credit freeze if you wish to apply for new credit. Unlike fraud alerts, which are available to anyone, credit freeze laws vary from state to state and may not be available in your state. In many cases there are fees associated with placing and lifting a credit freeze. Again, if you are uncertain, ask a credit repair professional for assistance.

Free Credit Report

Once you have placed initiated a fraud alert or credit freeze you may access each of your credit reports one time for free. In the case of an extended seven year fraud alert you may access your reports two times for free within the first year of placing the alert. Keep in mind that everyone has the right to access their reports one time per year for free at annualcreditreport.com. This is a federal law intended to facilitate the identification and repair of credit reporting errors. Instances related to the implementation of a fraud alert or credit freeze do not count against your right to your free annual reports.

Credit Monitoring

Credit monitoring is a fantastic high-tech tool which can add an extra layer of protection and comfort for anyone whose identity may have been compromised. It is also nice for anyone in a credit repair program wishing to track changes in their reports. Credit monitoring is offered by all three credit bureaus for a small monthly fee. At the time of this writing the cost is under fifteen dollars per month. Once enrolled, you will receive an email whenever there is a credit inquiry or any material change in your credit reports. You will also get unlimited access to your reports. Each bureau has an option that provides you with monitoring from all three bureaus simultaneously.

Social Security Card Replacement

If you have lost your Social Security Card you can get a replacement at no cost. You may get up to three replacement cards per year and up to ten in your lifetime. Just go to your local Social Security Administration office with personal identification and proof of citizenship, such as your birth certificate, certificate of naturalization, or passport, and you will receive a new card in approximately two weeks. You will also get a Social Security Number Certification letter on the spot which can be used in place of a card while you wait.

The Social Security Administration does not get involved in resolving identity theft issues, but if you inform the Social Security Administration that your Social Security number may have been used by another person, they will review your earnings to make sure no one else is using your identification for work purposes.

Copyright © 2007 James W. Kemish. All Content. All Rights Reserved.

Share on Facebook

You shouldn`t put you social security card in your wallet!

In this video this dude gets his wallet tooken by a thief and needs Spider Man`s help,but all he gives him is a lecture and gets stuck in a branch.For more videos go to youtube.com/crazyboy627

Share on Facebook

Get A Secure Wallet

A wallet is one of the most important men’s accessories where all important information such as credit cards, debit cards, social security card, and driver’s license and cash are stored. In fact, it is quite difficult for a man to complete his day without a wallet. So just imagine how difficult as well as distressing it would be if you lose your wallet containing all vital information. It may not only affect your professional or business activities but may also sometimes lead to such disappointing situations as identity theft due to which you may be forced to pay huge amount of money from your pocket. Mentioned below are some tips to secure your wallet, especially when you are in busy areas like shopping centers, airports, and busy metro stations.

As the first step, always organize your wallet in such a way that it appears slim and contains only necessary items such as one credit card, a debit card, club membership card, and few amount of money. In other words, never overload your wallet with unnecessary things. A bulky wallet cannot easily fit into your pocket, and it may easily draw the attention of pick pocketers. It is advisable not to keep your wallet in your back pocket, particularly when you are walking along the busy city street, while dining with your friends or spouse in a noisy restaurant, or shopping in a swarming mall. If you put on a coat or jacket, then you can keep your wallet within its inner breast pocket.

Further, when you are in your work place, secure your wallet by locking it in a safe place like drawer or cabinet until you leave the office. Likewise, give extra care to your wallet when you are in a busy airport or metro station, as you may be carrying in your wallet items like passport and ticket, apart from cash and other valuable information. It would be even better if you could use a short strong chain to secure your wallet by connecting it with your belt. Above all, it is advisable to search your pockets immediately when you run into anyone on busy place in order to ensure that your wallet is safe and not lost.

Are you looking for a high tech option to secure your valuable information and cash? Then one of the best choices would be to own iWallet – a cutting edge with the specialty that it is developed by engineers that work in projects with NASA. However, its real highlight is that it could be opened or accessed only if it recognizes your finger print because of its incorporated biometric reader. Since it could be paired with selected PDA cellular phones via the Bluetooth technology, it serves as a theft deterrent to protect your mobile phone by producing audible alarm if your iWallet and mobile phone is 15 to 30 ft away from each other.

Share on Facebook

Primary Steps When A Wallet Is Lost

Majority of men store their most vital information including driver’s license, ATM card, credit card, and social security number in their wallet. Hence, it is quite natural that nobody wants to lose the wallet containing critical details. However, sometimes certain things may be out of your control and in fact you could not reject the chances of your wallet being stolen or pick pocketed, especially when you are walking along a bustling city street or while in a crowded airport or metro station.

In such situation, even though you lose your wallet with important data plus money, your quick-witted action may help you from havocs that may occur as a result of losing your wallet, the prominent being identity theft due to which you may be forced to pay huge amount from your pocket. Mentioned below are some tips on how to take further steps to deal with losing your wallet as well as information within it.

As the first step, inform regarding the crime to the police. If your lost wallet contained credit card, then it is important to notify the same to your credit card company. Also, check your credit card statements as well as accounts in order to make sure that your card details have not been used for unscrupulous purposes. Likewise, if bank notes or bank related documents were in the wallet, then report this to your bank, in addition to verifying your bank account.

If your wallet has been stolen along with driver’s license, then inform this to local Motor Vehicle Branch. Equally important is to take serious steps for the stolen health care cards. Further, if you have lost your social security card number, then inform this immediately to the Federal Trade Commission and file an online complaint with Internet Crime Complaint Center. Above all, if you have lost other cards such as video rental slips, library cards, and gym membership cards, inform it as soon as possible to the respective organizations.

Share on Facebook

Steps While Your Wallet Is Lost

It is quite a devastating experience when your wallet containing important information such as credit card, debit card, ATM card, social security card, and driver’s license is lost or stolen, as it may lead to many serious problems in the form of identity theft. In fact, the after affects of wallet theft is quite upsetting, since it may lead to a number of problems, from piling up your credit to losing your job and good reputation. Hence, it is important to stop the chances of identity theft by taking some important actions. Discussed further in this article are the steps that you should take when your wallet, along with most crucial information, is lost.

Once you realize that your wallet is lost, make an attempt to trace it out by visiting the places that you recently went like restaurant or theatre. If you cannot trace it out within few hours, you can wait for some more time in order to see whether some one would call or come to you to return your lost wallet. Even after 24 hours, if your wallet is not returned, then you can assume that your wallet is stolen. Now you have to act quickly to avoid further problems. As the first step, figure out the items that you stored in your lost wallet.

For instance, if you have lost your wallet along with credit card, bank documents, driver’s license, and health card, then first of all dial your credit card company to report regarding your missing credit card. Then call your bank to block your existing account and set up a new account and password for you. As the next step, you must report regarding the crime to the driver’s license office. You must also inform the same to the health insurance company.

If you have lost such sensitive information as social security card, then you have to immediately inform this to authority concerned, as it may sometimes results in losing your job. Above all, it is important to report regarding the wallet theft to your local police.

Share on Facebook

Top Tips to Deal with Lost Wallet

It is quite a distressing experience when you lose your wallet. Nowadays, most of the people carry their cash and valuable information, from credit cards, debit cards, and business cards to social security cards and driver’s license in their wallets. Some even carry their check book in their wallets. In fact, it is upsetting when your wallet is lost or pick pocketed, as it may sometimes lead to identity theft, thereby causing its real owners to pay huge amount of money from his pocket. Mentioned below are among the top tips on how to deal with lost wallet.

When you realize that your wallet is lost, try to remember the place where you last had your wallet. If you cannot remember, just list out the places you last visited carrying your lost wallet. Also, try to remember the cloth you were wearing last when you lost your wallet and search in its pocket. It is also advisable to check in your outerwear as well as jacket’s pocket. If you can’t find it, then search in your car. There are chances for your wallet to fall out from your pocket while driving. Still if you didn’t find your lost wallet, then check regarding the lost wallet with your spouse or friends who last accompanied with you. You can also ask them to help to find it, as they may sometimes be able to easily trace out the wallet.

As mentioned earlier, make a list of last visited places, which may include shopping centers, restaurants, pharmacy, bank or stores, and then dial their phone numbers and check with them whether they found any lost wallet. If possible, visit the scene and make a search. It may be sometimes lying near the counter or on the seat where you were sitting to watch movie, or on the chair or table in the restaurant. Also, consider to enquire regarding the lost wallet with the police, as there are chances of someone to turn in a wallet with similar features.

In spite of searches, if you cannot find your lost wallet, call your bank and credit card companies and report them to cancel your credit cards and debit cards. Also, notify to the Social Security Administration and bank if you were carrying your social security card in your lost wallet. Additionally, if your driver’s license card is also lost along with the wallet, then inform this to the Motor Vehicles Bureau. Above all, report the wallet theft to police in the jurisdiction for its further investigation.

Share on Facebook

Personal Security Help! My Wallet Was Just Stolen

You are out enjoying your day, then go to reach for your wallet to make a purchase and realize it’s just been stolen. After you make absolutely sure it has not been misplaced, what do you do? Losing the money is not as hard and frustrating as losing your debit, credit, or social security cards not to mention your driver’s license, checkbook, membership cards and/or workplace id’s. Here’s what you do: File a police report: First retrace your steps and recall as many details as you can about the event in your mind. Next, call the non-emergency number of the police department in the vicinity of your stolen wallet and ask for guidance. Unless you have been physically hurt as well it is best not to call 911, better still visit the local area police department and tell them you would like to file a police report. When finished remember to ask for a copy, this will be very important when trying to replace all your other items. Having a report number will also allow you to drive without your license for a time. If you are out of the country, contact the U.S. Embassy. Replacing credit cards: Don’t wait take care of this as soon as possible. Make sure whoever lifted your wallet has not decided to go on a shopping spree at your expense. Calling the card companies will shut down your current cards, keep you from being liable for new purchases made and allow the credit card company to issue you a new card. The following are the phone numbers to the top 3 credit card issuers should you need to report a stolen card: American Express (800) 992-3404, MasterCard (800) 622-7747 or (800) 627-8372, Visa (800) 847-2911. Replacing debit cards and checkbooks: Call your bank immediately, ask for lost and prevention. Emergency numbers should be located on your monthly statements as well as online at the bank’s website. It is advisable to take your police report and a picture ID or birth certificate, if you need to go to the bank to close, stop payments or open another account. Replacing your driver’s license: In most states all you need to do is take two forms of ID (preferably your social security card and a birth certificate) to your local DMV office to apply for a duplicate license. In some cases you will need your police report, to pass an eye test, take a new photo and pay a fee. For state-by-state requirements just go to www.dmv.org then click on your state you may even be able to apply for a duplicate online. Replacing your social security card: Contact the nearest social security office to apply for a replacement card free of charge. However, it will be your responsibility to monitor your credit reports to make sure you don’t fall victim to identity theft. Check your social security records by calling 1-800-772-1213 or visit www.ssa.gov/ssnumber for more information. The best preventative measure is not to carry your social security card in your wallet unless you are applying for a job. Replacing membership cards: If you lost a Sam’s Club or Costco card or maybe a gym membership or Blockbuster card, etc. in most cases taking your police report and explaining your situation will get you a new card free of charge or for a nominal fee, provided your membership had not already expired. No one can predict or be responsible for the actions of another. Prevention and personal preparedness can go a long way to making a tedious, heart-breaking experience go as smoothly as possible. At www.ou.edu/oupd/lostwallet.pdf you will find a great Lost/Stolen Wallet Inventory and Emergency Checklist that you can print, fill out and keep in your home files.

You are out enjoying your day, then go to reach for your wallet to make a purchase and realize it’s just been stolen. After you make absolutely sure it has not been misplaced, what do you do?

Losing the money is not as hard and frustrating as losing your debit, credit, or social security cards not to mention your driver’s license, checkbook, membership cards and/or workplace id’s. Here’s what you do:

File a police report: First retrace your steps and recall as many details as you can about the event in your mind. Next, call the non-emergency number of the police department in the vicinity of your stolen wallet and ask for guidance. Unless you have been physically hurt as well it is best not to call 911, better still visit the local area police department and tell them you would like to file a police report. When finished remember to ask for a copy, this will be very important when trying to replace all your other items. Having a report number will also allow you to drive without your license for a time. If you are out of the country, contact the U.S. Embassy.

Replacing credit cards: Don’t wait take care of this as soon as possible. Make sure whoever lifted your wallet has not decided to go on a shopping spree at your expense. Calling the card companies will shut down your current cards, keep you from being liable for new purchases made and allow the credit card company to issue you a new card. The following are the phone numbers to the top 3 credit card issuers should you need to report a stolen card: American Express (800) 992-3404, MasterCard (800) 622-7747 or (800) 627-8372, Visa (800) 847-2911.

Replacing debit cards and checkbooks: Call your bank immediately, ask for lost and prevention. Emergency numbers should be located on your monthly statements as well as online at the bank’s website. It is advisable to take your police report and a picture ID or birth certificate, if you need to go to the bank to close, stop payments or open another account.

Replacing your driver’s license: In most states all you need to do is take two forms of ID (preferably your social security card and a birth certificate) to your local DMV office to apply for a duplicate license. In some cases you will need your police report, to pass an eye test, take a new photo and pay a fee. For state-by-state requirements just go to www.dmv.org then click on your state you may even be able to apply for a duplicate online.

Replacing your social security card: Contact the nearest social security office to apply for a replacement card free of charge. However, it will be your responsibility to monitor your credit reports to make sure you don’t fall victim to identity theft. Check your social security records by calling 1-800-772-1213 or visit www.ssa.gov/ssnumber for more information. The best preventative measure is not to carry your social security card in your wallet unless you are applying for a job.

Replacing membership cards: If you lost a Sam’s Club or Costco card or maybe a gym membership or Blockbuster card, etc. in most cases taking your police report and explaining your situation will get you a new card free of charge or for a nominal fee, provided your membership had not already expired.

No one can predict or be responsible for the actions of another. Prevention and personal preparedness can go a long way to making a tedious, heart-breaking experience go as smoothly as possible. At www.ou.edu/oupd/lostwallet.pdf you will find a great Lost/Stolen Wallet Inventory and Emergency Checklist that you can print, fill out and keep in your home files.

Share on Facebook