For passwords on financial accounts, do not use your mother’s maiden name, your birth date, the last four digits of your Social Security number, your phone number or a series of consecutive numbers.
Do not sign the back of your credit cards. Instead, put “PHOTO ID REQUIRED”.
When you are writing checks to pay on your credit card accounts, do not put the complete account number on the “For” line. Instead, just put the last four numbers. The credit card company knows the rest of the number and anyone who might be handling your check as it passes through all the check‑processing channels will not have access to it.
Next time you order checks, have only your initials and last name put on them, instead of first name and last name. If someone takes your checkbook, they will not know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.
Put your work phone number on your checks instead of your home phone. If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your Social Security number or Driver License number printed on your checks.
Place the contents of your wallet on a photocopy machine. Copy both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. Also, carry a photocopy of your passport when traveling, either here or abroad.
When you check out of a hotel/motel that uses cards for keys, do not turn the “keys” in. Take them with you and destroy them. Those little cards have all of the information you gave the hotel, including address, credit/debit card number and expiration date. Someone with a card reader or employee of the hotel can access all that information with ease
Cancel your credit/debit cards immediately. The key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.
File a police report immediately in the jurisdiction where your credit/debit cards, etc., were stolen. This proves to credit/financial providers you were diligent and this is a first step toward an investigation, if there ever is one.
However, here is what is perhaps most important of all. Call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. 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.
Here are the numbers you always need to contact about your wallet and contents being stolen:
Equifax 1 (800) 525-6285
or alternate 1 (800) 685-1111
Experian 1 (888) 397-3742
or alternate 1 (800) 682-7654
Trans Union 1 (800) 680-7289
or alternates 1 (800) 888-4213 1 (800) 916-8800
Social Security Administration fraud line 1 (800) 269-0271
Your Social Security number, Driver License number, Bank Account number and Date of Birth are private. Do not give them out.
One photo identification or two non‑photo identifications are reasonable and all that can mandated. Offer to pay cash in advance for services rendered. With regard to rent, utilities, etc., offer to put up a cash deposit to be returned at the end of one calendar year together with interest accrued at 4% APR and provided that monthly payments are made on time.
You should not give your Social Security number to the police or any government agency other than the Social Security Administration, Internal Revenue Service, Selective Service System, a branch of the United States Armed Forces, Department of Veterans Affairs, Department of Education or a Department of Social and Health Services.
You should not give your Social Security number when you get your next Driver License (currently, federal law requires it) or register to vote. These agencies have public records. Anyone is entitled to get this information and go from there to get more information about you. State Departments of Motor Vehicles sell this information. That is why they ask for your Social Security number.
The only private companies required to have your Social Security number are those reporting income of yours to the Social Security Administration or Internal Revenue Service, such as employers, financial institutions, corporations that you hold stock in, etc. They do not need your Driver License number, Date of Birth or other Bank Account numbers. It is not necessary to give your Social Security number or Driver License number in order to open a checking account. A signature and photo identification is all that is necessary. Financial institutions sell this information. Look elsewhere. There are plenty of financial institutions that want your business. Employers are required to have your Social Security number only after you are hired. They are not entitled to receive it prior to hiring.
What can someone do with a Social Security number? All major credit reporting agencies list you by your Social Security number. Other national “Big Brother” information agencies are compiling lists by Social Security numbers. Private information to be sold to anyone for a price.
Thieves have filed phony Income Tax Returns with real Social Security numbers and their owners names, but different addresses for big refunds. Who does the Internal Revenue Service go after for this money? You guessed it. Many times, this data is obtained by computer hackers, many times from medical providers.
When you apply for credit, they want all of this information. Consider how much you want or need the credit. If you apply to rent or for employment and do not give this information, are subsequently turned down or not hired, consider filing a discrimination suit.
With Date of Birth, anyone can get your Driver License number. The only ones that legitimately need your Driver License number besides the police are auto insurance agents and companies. Get a statement from them that the information will not be given out or sold. They not only sell this information themselves, but contract with investigative agencies for a report on you. These investigative agencies compile and then resell the information.
When you write a check, they want your Driver License number. Of course, there are a lot of rubber checks written. Consider paying cash. Some stores now want your Driver License number when you return goods previously purchased. Unless they have signs posted notifying of their policy regarding the return of goods that gives notice of this requirement, then refuse. Threaten a civil tort suit and the filing of a complaint charging criminal fraud with the attorney general or district attorney. Boycott the bastards. Tell your friends.
With Bank Account numbers, anyone can put in a “demand draft” to your bank and get money. Sometimes, this is limited only to checking accounts. You cannot even put in a stop payment in advance. The only thing you can do is file a civil tort suit against the entity that put in the demand. You can sue the bank. However under current laws, you will most likely not be successful. Be safe, keep only a reasonable amount in your checking account.
The price of freedom
is eternal vigilance.
There are no laws requiring the recording, photocopying, scanning, etc., of picture and non‑picture identification. Do not let them do so. Write to your elected representatives. Demand that they legislate against these practices that invade your privacy and place your life savings in jeopardy of thieves. Demand that the Medicare number you have to give to healthcare providers be different from your Social Security number. Demand that the United States Attorney General enforce prevailing laws that restrict the demand for these numbers.
Identity theft is prevalent. The combination of Social Security number and Driver License number is dangerous and extremely foolish to give out.
Many hospitals demand Driver License numbers. They say it is required by federal law regarding anyone being admitted to a hospital. Ask for a copy of that law. If you are on Medicare, they already have your Social Security number from your Medicare card. Ask whether any other form of identification is acceptable.
Below are the Federal 4 pages of “Red Flag” rules.
There is nothing in the 4 pages stating that a Driver License number is required by federal law regarding anyone being admitted to a hospital. In truth and in fact, there is no federal law requiring a Driver License number regarding anyone being admitted to a hospital.
Does the hospital have a posting at the front desk stating that a Driver License number is required regarding anyone being admitted?
Does the medical team have a posting at their front desk stating that a Driver License number is required regarding anyone being admitted to the hospital?
When you pre‑registered at the hospital, did they say that you would have to show identification at the time you were admitted for surgery?
Demanding a Driver License number just before surgery without any prior notice is both intimidation and a civil rights violation, and should be prosecuted by both the United States Attorney General and the State Attorney General.
United States Department of Veterans’ Affairs medical identification cards do not have Social Security numbers, but instead have a barcode and a picture of the individual. Medicare cards should be the same, not using Social Security numbers.
There is enough good sense
in the American people
to battle every attempt
against their liberty.
The United States Congress and every state assembly/legislature should pass specific laws restricting the demand for a Social Security number or Driver License number and prohibit the recording, photocopying, scanning, etc., of picture and non‑picture identification. It is not only a matter of privacy, it will prevent identity theft. At the present time, government is making identity theft easy.
The United States Department of Justice has ruled that anyone asking/demanding to see a Driver license for identification must have signs posted to that effect; and with regard to seeing picture identification when voting at polls, the picture must be on voter registration card. Obviously, this ruling would imply the same for Medicare and Medicaid cards.
If you are refused care, file, on behalf of all patients who have likewise been intimidated and their civil rights violated, a class action, criminal conspiracy civil tort lawsuit under the RICO Act of 1970 (RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS ACT) against all of the officers and directors of the hospital, their affiliated corporations, associated companies and subsidiaries.
“THE THEFT OR IMPROPER REMOVAL OF PATIENT DATA
HAS BEEN A REPEATED PROBLEM AT HOSPITALS OVER THE PAST FEW YEARS. THERE HAVE BEEN MAJOR INCIDENTS AT HOSPITALS
“BEWARE: SOCIAL SECURITY NUMBERS AVAILABLE ONLINE VIA INDEXED TAX DOCUMENTS — TO CLARIFY, THESE ARE TAX DOCUMENTS, AS THEY HAVE BEEN, WILL BE SUBMITTED TO STATE AND FEDERAL GOVERNMENT: NAMES, ADDRESSES, INCOME, PHONE NUMBERS, CREDIT CARD NUMBERS (STORED FROM E‑FILING) AND, WORST OF ALL, SOCIAL SECURITY NUMBERS. THE LATTER IS THE MOST DETRIMENTAL OF ALL. NOT JUST BECAUSE OF THE INDIVIDUAL FILING THEIR TAXES HAVING THEIR IDENTITY POTENTIALLY STOLEN, BUT BECAUSE OF INDIVIDUALS WHO HAVE CHILDREN THAT THEY USE FOR TAX CREDITS.
“AS ANY PARENT KNOWS, YOU MUST INCLUDE CERTAIN INFORMATION ABOUT YOUR CHILDREN WHEN USING THEM FOR TAX BREAKS, NAMELY, THEIR NAMES AND SOCIAL SECURITY NUMBERS. THAT TAKES IDENTITY THEFT INTO A COMPLETELY DIFFERENT ATMOSPHERE, SINCE A CHILD HAVING THEIR IDENTITY STOLEN MOST LIKELY WILL NOT FIND OUT UNTIL YEARS DOWN THE ROAD, LONG AFTER THE DAMAGE HAS BEEN DONE AND THE PERPETRATOR HAS VANISHED. THE POTENTIAL CONSEQUENCES OF SUCH IGNORANCE ARE FAR-REACHING.” ZDNet, April 11 2011
“THE RECORDS OF ABOUT 3.5 MILLION PEOPLE, INCLUDING SOCIAL SECURITY NUMBERS, WERE ERRONEOUSLY PLACED ON A PUBLIC COMPUTER SERVER AT THE TEXAS COMPTROLLER’S OFFICE AND REMAINED THERE FOR ABOUT A YEAR UNTIL OFFICIALS DISCOVERED THE MISTAKE LESS THAN TWO WEEKS AGO, THE AGENCY ACKNOWLEDGED TODAY.
“THE RECORDS INCLUDED THE NAMES AND MAILING ADDRESSES OF INDIVIDUALS, AS WELL AS SOCIAL SECURITY NUMBERS, SAID OFFICIALS. TO VARYING DEGREES, THE MATERIAL RELEASED PERSONAL INFORMATION SUCH AS DATES OF BIRTH OR DRIVER LICENSE NUMBERS.” Star‑Telegram April 11, 2011
Write on bill and return
ALLEGED DEBT IS DISPUTED!
DO NOT MAKE FURTHER CONTACT!
PATIENT PROTECTION AND AFFORDABLE CARE ACT
Private medical insurance does not pay much. An increasing number of doctors do not accept Medicare. It is accepted practice for doctors to give 20% discount for cash at time of medical treatment.
Courthouse News Service
by Robert A Kroboth WWW.CitizenGadfly.Com
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