 We've all heard horror stories about fraud that's committed using your name, address, SS#, credit card, etc. Unfortunately a friend of mine has firsthand knowledge, because his wallet was stolen last month and within a week the thief ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from the Department of Motor Vehicles to change my driving record information, and more. Here is some critical information you should know to limit the damage in case this happens to you. 1. Cancel your credit cards immediately, but be sure you have the toll-free phone numbers and your credit card numbers handy, so you know whom to call. Keep them where you can find them easily. 2. "File a police report immediately in the jurisdiction where the card was stolen. This proves to credit providers you were diligent, which will be helpful if there is an investigation. 3. Call the three national credit-reporting organizations immediately to place a fraud alert on your name and SS#. 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 numbers of the credit organizations are: Equifax: 800-525-6285 Experian (formerly TRW): 888 397-3742 Trans Union: 800-680-7289 The Social Security Administration also has a fraud line: 800-269-0271  
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