If you’ve lost personal information or identification,
or if it has been stolen from you, you can minimize
the potential for identity theft if you act quickly.
www.consumer.gov/idtheft

• Financial accounts: Close accounts, like
credit card and bank accounts, immediately.
When you open new accounts, place passwords
on them. Avoid using your mother’s maiden
name, your birth date, the last four
digits of your SSN or your phone
number, or a series of consecutive numbers.
• Social Security number: Call the toll-free
fraud number of any of the three nationwide
consumer reporting companies and place
an initial fraud alert on your credit reports.
An alert can help stop someone
from opening new credit accounts in
your name.
• Driver’s license/other government-issued
identification: Contact the agency that issued
the license or other identification document.
Follow its procedures to cancel the document
and to get a replacement. Ask the agency to
flag your file so that no one else can get a
license or any other identification document
from them in your name.

Once you have taken these precautions, watch
for signs that your information is being misused,
and that your identity has been stolen.

If your information has been misused, file
a report about the theft with the police, and file
a complaint with the FTC, as well. If another
crime was committed – for example, if your purse or
wallet was stolen or your house or car was broken
into – report it to the police immediately.

An amendment to the federal Fair Credit
Reporting Act requires each of the major
nationwide consumer reporting companies
to provide you with a free copy of your credit
report, at your request, once every 12 months.

Free reports have been phased in during a
nine-month period, starting with states in
the West and ending with states in the East.
Beginning September 1, 2005, free reports will
be accessible to all Americans, regardless of
where they live.

To order your free annual report from one or
all the national consumer reporting companies,
visit: www.annualcreditreport.com; call toll-free:
877-322-8228; or complete the Annual Credit
Report Request Form and mail it to: Annual
Credit Report Request Service, P.O. Box 105281,
Atlanta, GA 30348-5281.

You can print the form
from ftc.gov/credit. Do not contact the three
nationwide consumer reporting companies
individually; they provide free annual credit
reports only through www.annualcreditreport.com,
877-322-8228, and Annual Credit Report
Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
OTHER RIGHTS TO FREE REPORTS
Under federal law, you’re also entitled to a free
report if a company takes adverse action against
you, such as denying your application for credit,
insurance or employment, and you request your
report within 60 days of receiving notice of the action.
The notice will give you the name, address and
phone number of the consumer reporting company
that supplied the information about you. You’re
also entitled to one free report a year if your
unemployed and plan to look for a job within 60
days; if you’re on welfare; or if your report is
inaccurate because of fraud.

Otherwise, a consumer reporting company
may charge you up to $10.50 for additional
copies of your report.

To buy a copy of your report, Contact:

Equifax:
800-685-1111
www.equifax.com

Experian:
888-EXPERIAN
( 888-397-3742)
www.experian.com

TransUnion:
800-916-8800
www.transunion.com

Under state law, Consumers in
Co, Ga, Me, Md, Ma, NJ, and VT
already have free access to their credit reports.

If you ask, only the last four digits of your
Social Security number will appear on your
credit reports.

If an identity thief is opening new credit accounts
in your name, these accounts are likely to show
up on your credit report.

You can find out by ordering a copy of your credit
report from the three nationwide consumer
reporting companies.

If you have lost any personal information – or
if it has been stolen – you may want to check all
your reports more frequently for the first year.

Monitor the balances of your financial accounts.
Look for unexplained charges or withdrawals.

Other indications of identity theft can be:

• failing to receive bills or other mail. This
could mean an identity thief has submitted
a change of address.
• receiving credit cards for which you did
not apply.
• denial of credit for no apparent reason.
• receiving calls from debt collectors or
companies about merchandise or services
you didn’t buy.

Skilled identity thieves use a variety of ways to gain access to your personal information.
For example, they may get information from businesses or other institutions by stealing
it while they’re on the job; bribing an employee who has access to these records; hacking these
records; and conning information out of employees.

Or:

• they may steal your wallet or purse.
• they may steal your personal information through email or the phone by saying
they’re from a legitimate company and claiming that you have a problem with your
account. This practice is known as “phishing” online, or “pretexting” by phone.
• they may steal your credit or debit card numbers by capturing the information in
a data storage device in a practice known as “skimming.” They may swipe your card
for an actual purchase, or attach a device to an ATM machine where they may enter
or swipe your card.
• they may get your credit reports by abusing the authorized access that was granted to
their employer, or by posing as a landlord, employer, or someone else who may have
a legal right to your report.
• they may rummage through your trash, the trash of businesses, or public trash dumps in
a practice known as “dumpster diving.”
• they may steal personal information they find in your home.
• they may steal your mail, including bank and credit card statements,
credit card offers, new checks, and tax information.
• they may complete a “change of address form” to divert your
mail to another location.

Once identity thieves have your personal information, they may use it to commit fraud
or theft.

For example:

• they may call your credit card issuer to change the billing address on your account.
The impostor then runs up charges on your account. Because the bills are being sent
to a different address, it may be some time before you realize there’s a problem.
• they may open new credit card accounts in your name. When they use the credit cards
and don’t pay the bills, the delinquent accounts are reported on your credit report.
• they may establish phone or wireless service in your name.
• they may open a bank account in your name and write bad checks on the account.
• they may counterfeit checks or credit or debit cards, or authorize electronic transfers
in your name, and drain your bank account.
• they may file for bankruptcy under your name to avoid paying debts they’ve incurred
under your name, or to avoid eviction.
• they may buy a car by taking out an auto loan in your name.
• they may get identification such as a driver’s license issued with their picture, in your name.
• they may get a job or file fraudulent tax returns in your name.
• they may give your name to the police during an arrest. If they don’t show up
for the court date, a warrant for arrest is issued in your name.

Please use common sense with your credit cards, credit card bills, and other personal
identity information.

As you can see from the above article, Identity Theft is something to take into serious consideration.

In the course of a busy day, especially this time of the year, you may write a check at the grocery store, charge Bowl Game tickets, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. In each transaction, you reveal bits of personal information, like your bank and credit card account numbers; your income, your social security number (SSN) or your name, address and phone numbers - a goldmine of information for an identity thief. Once a thief has that information, it can be used without your knowledge to commit fraud or theft.

Identity theft is a serious crime. People whose identities have been stolen can spend lots of time and money cleaning up the mess thieves have made of their good name and credit record. They may lose out on job opportunities, and loans for education, housing, or cars. The may even get arrested for crimes they did not commit.

Can you prevent an identity theft? As with any crime, you cannot completely control whether you will become a victim. But according to the Federal Trade Commission (FTC), the nation’s consumer protection agency, you can minimize your risk by managing your personal information cautiously.

If someone has used your name or other personal information to commit a fraud, please visit http://www.consumer.gov/idtheft for information on how to proceed and how to file an identity theft complaint. The site has links to useful information from other federal agencies, states, and consumer organizations. The information in your complaint becomes part of a secure database that law enforcement officials across the nation use to help stop identity thieves.

If you know someone that needs this information and they do not  have access to the internet, they may call 1877-ID-THEFT, the FTC’s toll-free ID Theft Hotline.

What’s the best way to pick a reputable locksmith? Consider researching locksmiths before you need one, the same way you would a plumber, electrician, or other professional. That works well if you’re looking to have some security work done at your home, like installing deadbolts on the exterior doors of your house, or a safe in your bedroom.

But if you’re dealing with an emergency, like being locked out of your car, you really don’t have much time for thorough research.

Regardless of whether you are locked out of your car or home, you need new locks installed, or you require other security work, the FTC offers these tips to help you hire a legitimate, local locksmith.

In emergency situations:

• If you’re locked out of your car and have a roadside assistance service, call them first. These services sometimes are included with the purchase of a car, or as an add-on through your insurance company. You also can buy this service separately. Roadside assistance plans often have a list of pre-approved companies to perform services like unlocking cars, jump-starting batteries, changing flat tires, delivering gasoline, and towing.
• Call family or friends for recommendations.
• If you find a locksmith in the phone book, on the Internet, or through directory assistance, and a business address is given, confirm that the address belongs to that locksmith. Some disreputable companies list street addresses to give the impression that they’re local. But the addresses may belong to other businesses or vacant lots, if they exist at all. You can verify addresses through websites that allow you to match phone numbers with street addresses. Some legitimate locksmith companies may not include a street address in their listing either because they operate a “mobile” business or they operate their business out of their home and may be reluctant to list that address. If you call a locksmith who doesn’t list an address, ask why. If the answer is that it’s a “mobile” business, you will understand they have no storefront.
• Write down the names of several businesses, their phone numbers, and addresses for future reference, in case you don’t want to go with the first locksmith you call.
• If a company answers the phone with a generic phrase like “locksmith services,” rather than a company-specific name, be wary. Ask for the legal name of the business. If the person refuses, call another locksmith.
• Get an estimate for all work and replacement parts from the locksmith before work begins. In cases of “lock-outs” (being locked out of your car or home), most legitimate locksmiths will give you an estimate on the phone for the total cost of the work.
  • Ask about additional fees before you agree to have the locksmith perform the work. Companies may charge extra for responding to a call in the middle of the night. Ask if there is a charge for mileage, or a minimum fee for a service call.
  • If the price the locksmith provides when he arrives doesn’t jibe with the estimate you got on the telephone, do not allow the work to be done.
  • Never sign a blank form authorizing work.
• Find out if the locksmith is insured. If your property is damaged during a repair, or if faulty work leads to loss or damage, it’s important for the locksmith to have insurance to cover your losses.
• When the locksmith arrives, ask for identification, including a business card and, where applicable, a locksmith license. Nine states require locksmiths to be licensed: Alabama, California, Illinois, Louisiana, New Jersey, North Carolina, Oklahoma, Tennessee and Texas. In addition to a business card, check to see if the invoice includes the company’s name, and whether the locksmith’s vehicle has a name that matches the business card, invoice, and/or bill.
• Expect the locksmith to ask you for identification, as well. A legitimate locksmith should confirm your identity and make sure you’re the property owner before doing any work.
• Some locksmiths will work out of a car for quick or emergency jobs, but most will arrive in a service vehicle that is clearly marked with their company’s name.
• In the case of a lock-out, be cautious if you’re told up front that the lock has to be drilled and replaced. An experienced legitimate locksmith has invested in the tools and education to provide quality service, and can unlock almost any door.
• After the work is completed, get an itemized invoice that covers parts, labor, mileage, and the price of the service call.
  In situations where you have more time, check out locksmiths with your state Attorney General (www.naag.org), local consumer protection agency (www.consumeraction.gov), and the Better Business Bureau (www.bbb.org) to make sure there are no unresolved complaints on file. (You can get the phone numbers for these organizations in your phone book, through directory assistance, or through Web directories.) This is true whether you need a locksmith for a one-time job, or you want to hire someone to work for you on a continuing basis.

  You must be able to trust your locksmith. You don’t want to give access to the locks for your home, car, or place of business to just anyone.

  Any question? Feel free to call me.

  Sincerely,

  Thomas “Trapper” Sherwood
  TN LP # 0067
  615 355-5886
  Sherwood Locksmithing

If you’ve ever locked yourself out of your car or home, you know what a hassle it can be. Your first thought is to get someone to help you out of your situation. If a family member or friend can’t deliver a spare set of keys, your next call might be to a local locksmith. But before you make that call, consider this: According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, some locksmiths advertising in your local telephone book may not be local at all. They may not have professional training. What’s more, some of them may use intimidating tactics and overcharge you.

When “Local” Is Really Long-Distance.

Consider this scenario: A company far away from your town chooses a name for its business that is very similar to the name used by a local locksmith. The company advertises in the phone book or on the Web using a local telephone number and local address. When you call the number, you’re actually connected to a call center in another city. What’s more, there’s no locksmith shop at the address listed.

You may be quoted a price on the phone, but when the locksmith arrives, often in an unmarked vehicle, he may want significantly more money. The locksmith also may accept only cash.

Bottom line, know your local locksmith! Ask when you are on the phone with him/her what specific city are they located in and most important, ask if they are a state licensed locksmith, (you will want to see their ID when they arrive) if your state does require a locksmith. Tennessee does.

Next post we will continue to cover tips to hiring a reputable locksmith.

Thomas “”Trapper” Sherwood
Sherwood Locksmithing TN LP #0067

Self-Protection Units Available in Selected Stores This Month

Greetings,

In a press release issued Thursday December 18th, 2008 TASER International
announced it has partnered up with Bass Pro Shops; the World’s Greatest outdoor
store to begin carrying TASER personal safety devices in selected stores.

To view the complete press release please click here =>
http://www.marketwatch.com/news/story/Bass-Pro-Shops-Begin-Carrying/story.aspx?guid={2192AD33-7FA7-4AA7-8E0D-17CB57F1EFB3}

I am especially looking forward to the new state of the art new public safety background check.

As I hear more, and what stores these will become available in and what areas, I will keep you posted.

Trap

PS…to learn more about your personal safety & security, please visit :
Personal Safety & Security Secrets Revealed

Greetings,

Well we are one week before Christmas Eve.

Lots of shopping is sure to still be done between now and Christmas Eve.

If you and your business accepts Money Orders, pay careful attention to them, especially this time of the year.

According to the USPS, US Postal money orders are among the most secure financial instrument in the world.
Genuine postal money orders contain design features to maximize their security.

To ensure you are accepting or cashing the real thing, look for these features on genuine postal money orders.

1. When held to the light, a watermark od Benjamin Franklin is repeated from top to bottom on the left side.

2. When held to the light, a dark line (security thread) runs from top to bottom with the word “USPS” repeated.

3. There should be no discoloration around the dollar amounts, which might indicate the amounts were changed.

Remember, domestic postal money orders may not exceed $1000.00 and international postal money orders may not exceed $700.00.

If you have any questions about any postal money orders, call your nearest US Postal Inspection Service office, or Post Office. You may also call 1800 ASK-USPS

Be safe when accepting payments for your hard work, know you are accepting a real and genuine postal money order, some people are not as honest as you may think.

Sincerely,

Thomas “Trapper” Sherwood

PS…Give the gift of Personal Safety this year with a copy of Personal Safety & Security Secrets Reavealed,
available online at Personal Safety eBook