<,
"Mother & Dad Taylor (E-mail)" <mzeleanor@juno.com<,
"Payton, David (E-mail)" <depayton@aol.com<,
"Scott/ Mary (Runkle-)/ Emma Cochrane (E-mail)" <wsc99@juno.com<,
"Sharon at work (E-mail)" <sludwig@comdt.uscg.mil<,
"Tim at home (E-mail)" <Timothy.Taylor@jhu.edu<
Subject: A word to the wise regarding credit history (FW: Lost Credit Card
)
Date: Wed, 9 May 2001 10:02:28 -0400
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-----Original Message-----
From: Carter, Brian J SGM USACHPPM
Sent: Wednesday, May 09, 2001 9:48 AM
To: CHPPM-All Personnel
Subject: FW: Lost Credit Card

Some very valuable information regarding lost credit cards.

SGM Carter

-----Original Message-----
From: Epps Vincent T CSM 30 SIG BN [mailto:eppsv@shafter.army.mil]
Sent: Tuesday, May 08, 2001 6:01 PM
To: ARMY-LEADER-XXI Army (ELDN) Enlisted Leader Development Network
[PRIVATE]
Subject: RE: Lost Credit Card

Hooah

Good copy will pass on his information to my soldiers hooah

CSM Epps

-----Original Message-----
From: Ivory, Lacey B SGM ASA-M&RA [ mailto:Lacey.Ivory@hqda.army.mil
<mailto:Lacey.Ivory@hqda.army.mil< ]
Sent: 04 May, 2001 6:32 AM
To: ARMY-LEADER-XXI - Army Enlisted Leader Development Network [PRIVATE]
Subject: Lost Credit Card

WHAT TO DO IF YOU LOSE YOUR PURSE OR WALLET: We've all heard horror stories
about fraud that's committed using your name, address, SS#, credit, etc.

Unfortunately I have firsthand knowledge, because my wallet was stolen last
month and within a week the thieve(s) 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 DMV to change my driving
record information online, and more.

But here's some critical information to limit the damage in case this
happens to you or someone you know.

As everyone always advises, cancel your credit cards immediately, but the
key is having the toll free numbers and your card numbers handy so you know
who to call. Keep those where you can find them easily (having to
hunt for them is additional stress you WON'T need at that point!).

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 (if there ever is one).

But here's what is perhaps most important:

Call the three national credit reporting organizations immediately to place
a fraud alert on your name and SS#. I had never heard of doing that until
advised by a bank that called to tell me an application for credit
was made over the Internet in my 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.

By the time I was advised to do this - almost 2 weeks after the theft all
the damage had been done (there are records of all the credit checks
initiated by the thieves' purchases, none of which I knew about before
placing the alert). Since then, no additional damage has been done, and the

thieves threw my wallet away this weekend (someone turned it in). It seems
to have stopped them in their tracks. The numbers are:

Equifax: 1-800 525-6285
Experian (formerly TRW): 1-800-301-7195
Trans Union: 1-800-680-7289
Social Security Administration also has a fraud line at 1-800-269-0271

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<HTML<<HEAD<
<META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso-8859-1"<
<TITLE<RE: Lost Credit Card</TITLE<

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<BODY<
<DIV<<FONT face=Arial color=#0000ff size=2<</FONT< </DIV<
<DIV class=OutlookMessageHeader dir=ltr align=left<<FONT face=Tahoma
size=2<-----Original Message-----<BR<<B<From:</B< Carter, Brian J SGM USACHPPM
<BR<<B<Sent:</B< Wednesday, May 09, 2001 9:48 AM<BR<<B<To:</B< CHPPM-All
Personnel<BR<<B<Subject:</B< FW: Lost Credit Card<BR<<BR<</FONT<</DIV<
<DIV<<FONT face=Arial color=#0000ff size=2<<SPAN class=688254013-09052001<Some
very valuable information regarding lost credit cards.</SPAN<</FONT<</DIV<
<DIV<<FONT face=Arial color=#0000ff size=2<<SPAN
class=688254013-09052001<</SPAN<</FONT< </DIV<
<DIV<<FONT face=Arial color=#0000ff size=2<<SPAN class=688254013-09052001<SGM
Carter</SPAN<</FONT<</DIV<
<BLOCKQUOTE dir=ltr style="MARGIN-RIGHT: 0px"<
<DIV class=OutlookMessageHeader dir=ltr align=left<<FONT face=Tahoma
size=2<-----Original Message-----<BR<<B<From:</B< Epps Vincent T CSM 30 SIG
BN
[mailto:eppsv@shafter.army.mil]<BR<<B<Sent:</B< Tuesday, May 08, 2001 6:01
PM<BR<<B<To:</B< ARMY-LEADER-XXI Army (ELDN) Enlisted Leader Development
Network [PRIVATE]<BR<<B<Subject:</B< RE: Lost Credit
Card<BR<<BR<</FONT<</DIV<
<P<<FONT size=2<Hooah</FONT< </P<
<P<<FONT size=2<Good copy will pass on his information to my soldiers
hooah</FONT< </P<
<P<<FONT size=2<CSM Epps</FONT< </P<<BR<
<P<<FONT size=2<-----Original Message-----</FONT< <BR<<FONT size=2<From:
Ivory, Lacey B SGM ASA-M&RA [<A

href="mailto:Lacey.Ivory@hqda.army.mil"<mailto:Lacey.Ivory@hqda.army.mil</A<]<
/FONT<
<BR<<FONT size=2<Sent: 04 May, 2001 6:32 AM</FONT< <BR<<FONT size=2<To:
ARMY-LEADER-XXI - Army Enlisted Leader Development Network [PRIVATE]</FONT<
<BR<<FONT size=2<Subject: Lost Credit Card</FONT< </P<<BR<
<P<<FONT size=2<WHAT TO DO IF YOU LOSE YOUR PURSE OR WALLET: We've all heard
horror stories</FONT< <BR<<FONT size=2<about fraud that's committed using
your
name, address, SS#, credit, etc.</FONT<
<BR<        <FONT size=2<
</FONT<<BR<<FONT size=2<Unfortunately I have firsthand knowledge, because my
wallet was stolen last</FONT< <BR<<FONT size=2<month and within a week the
thieve(s) ordered an expensive monthly cell</FONT< <BR<<FONT size=2<phone
package, applied for a VISA credit card, had a credit line approved
to</FONT<
<BR<<FONT size=2<buy a Gateway computer, received a PIN number from DMV to
change my driving</FONT< <BR<<FONT size=2<record information online, and
more.</FONT< <BR<        <FONT
size=2<
</FONT<<BR<<FONT size=2<But here's some critical information to limit the
damage in case this</FONT< <BR<<FONT size=2<happens to you or someone you
know.</FONT< <BR<        <FONT
size=2<
</FONT<<BR<<FONT size=2<As everyone always advises, cancel your credit cards
immediately, but the</FONT< <BR<<FONT size=2<key is having the toll free
numbers and your card numbers handy so you know</FONT< <BR<<FONT size=2<who
to
call.  Keep those where you can find them easily (having to</FONT<
<BR<<FONT size=2<hunt for them is additional stress you WON'T need at that
point!). </FONT<<BR<        <FONT
size=2< </FONT<<BR<<FONT size=2<File a police report immediately in the
jurisdiction where it was stolen,</FONT< <BR<<FONT size=2<this proves to
credit providers you were diligent, and is a first step</FONT< <BR<<FONT
size=2<toward an investigation (if there ever is one).</FONT<
<BR<        <FONT size=2<
</FONT<<BR<<FONT size=2<But here's what is perhaps most important:
</FONT<<BR<        <FONT size=2<
</FONT<<BR<<FONT size=2<Call the three national credit reporting
organizations
immediately to place</FONT< <BR<<FONT size=2<a fraud alert on your name and
SS#.  I had never heard of doing that until</FONT< <BR<<FONT
size=2<advised by a bank that called to tell me an application for
credit</FONT< <BR<<FONT size=2<was made over the Internet in my name. 
The alert means any company that</FONT< <BR<<FONT size=2<checks your credit
knows your information was stolen and they have to</FONT< <BR<<FONT
size=2<contact you by phone to authorize new credit.</FONT<
<BR<        <FONT size=2<
</FONT<<BR<<FONT size=2<By the time I was advised to do this - almost 2
weeks
after the theft all</FONT< <BR<<FONT size=2<the damage had been done (there
are records of all the credit checks</FONT< <BR<<FONT size=2<initiated by
the
thieves' purchases, none of which I knew about before</FONT< <BR<<FONT
size=2<placing the alert).  Since then, no additional damage has been
done, and the</FONT< <BR<<FONT size=2<thieves threw my wallet away this
weekend (someone turned it in). It seems</FONT< <BR<<FONT size=2<to have
stopped them in their tracks.  The numbers are:</FONT<
<BR<        <FONT size=2<
</FONT<<BR<<FONT size=2<Equifax: 1-800 525-6285</FONT< <BR<<FONT
size=2<Experian (formerly TRW): 1-800-301-7195</FONT< <BR<<FONT size=2<Trans
Union:  1-800-680-7289</FONT< <BR<<FONT size=2<Social Security
Administration also has a fraud line at 1-800-269-0271</FONT<
<BR<        <FONT size=2<
</FONT<</P<</BLOCKQUOTE<</BODY<</HTML<

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