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The stealing of people`s names and other personal information for fraudulent purposes (known as `identity theft`) has become a national problem. News features covering identity theft are rife. For cardholders and retailers alike, dealing with the consequences of ID theft could be expensive and extremely time-consuming. There are a number of practical things you can do to lessen the risk of being a victim of identity theft. Here are only some of these precautionary measures that you may want to share with your clientele:

• Don`t submit your online cardscredit payment checks and your other bills by clipping outgoing mail to your mailbox. Instead, use an official U.S. Postal mail box. Imagine the loads of valuable particulars an identity thief could gather from the payment slip and your check.

• Don`t jot down your personal identification number (PIN) on your debit cards online.

• Shred preapproved online credit c applications and other confidential documents, like paycheck slips, before disposing of them. In case you decide to submit any applications, mail applications only from an official U.S mailbox.

• Never waste your time (and endanger your security) by responding to an email or `phone call that asks for your card numbers, chargecredit cards online personal identification (PIN) numbers, passwords, mother`s maiden name, etc. Financial institutions and debitcreditcard companies have a record of such information and they don`t send you e-mails or phone calls requesting details that are intended to be kept secret. Con artists looking for this information most probably will use it for illegitimate purposes.

• Shut down unused on line credit cards accounts and snip diagonally across cards for closed accounts before junking them.

• Stop carrying securedcredit cards that you do not use regularly in your wallet or purse.

• If you go on a trip or otherwise leave home for anything longer than a day, request the postal authorities to suspend delivery of your mail or ask a trusted neighbor to pick it up.

• Go over bank charge credit cards online and additional account statements carefully to confirm that there are no fraudulent purchase transactions. In case unauthorized transactions are noted, contact your card company or bank without any delay.

• In the event that you don`t get a bank, debit credit card online, or any other statement at the time it`s expected, call the bank or card company to make inquiries. In case they tell you that the address has been changed to an address that you didn`t authorize, notify the issuer that you aren`t the one who authorized the change of address, ask for duplicates of all the chase visa statements that you`ve missed in the mail, and go through them with a fine-toothed comb for unauthorized purchases.

• Periodically request your credit reports from the 3 primary credit reporting institutions. Look through them systematically to note unauthorized on line chargecreditcards charges.

• Get a Xerox copy of the items you carry in your pocketbook or wallet (both sides of credit cards online, licenses, ID cards, and the like -- except for hard currency) and stow the copies in a safe location.

• Maintain good records. In the event of your identity being stolen, well-maintained online creditcards documentation will be extremely useful in your recovery endeavors.

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