Every Military Family will over the years acquire mounds upon mounds of paperwork, from bank statements, credit card statements, wills, POA’s, loan documents, housing paperwork, to everything in between. One thing we learn quickly as a Military Family is it is important to keep documents organized or what our idea of organized is. Let’s face it; most of us are not as document organized as we would like to be, nor do we really need this huge mound of paperwork. But what should we keep and for how long? What is ok to toss? What papers should be kept in a safe or a safe deposit box? Which ones are ok to keep in a filing cabinet? And when on earth can we get rid of some of this crap?
Never carry your social security card replacement in you wallet or purse. Your Social Security number is the Holy Grail for identity thieves. With this number, they can not only access your accounts, but they can actually you, by using the number to obtain new credit. So imagine what the thieves can do with your credit cards, your driver’s license and your Social Security number. Do not give them that opportunity.
F. When you no longer need to keep printed materials with your personal information on them, don’t throw them away, SHRED THEM! Keep an eye on your children’s information too. Children are easy targets. When a child’s identity is compromised it can go undetected for many years causing tremendous damage to their financial health.
Shop around for a credit social security card replacement that uses the “Average Daily Balance Method.” By using this method, you will be given credit for your payment from the first day the company receives it, and, the interest on your balance will be computed on your average balance from just one month.
Now that I had gotten my first job, I felt that I could do anything and go anywhere and make a living. However, I was still only 15! School was a problem for me, it may have been because we moved so much and I seem to never be able to complete a full year at one school. And I believe that I also may have been bored. I spent two years in the seventh grade, two years in the eighth grade and was starting on my second year in the ninth, when I gave it up and left home at 16.
Keep credit cards that you don’t use often at home. Unless you are headed out to make a purchase with that emergency credit card, there’s no need to take it with you. Instead, leave it behind in a safe place. That way it will still be available in case of the emergency of you having your wallet lost or stolen.
Tip: make sure to investigate any new friends your child adds to his address book. If it is someone he knows only online, you need to find out what you can about this person before any emailing takes place. Again, monitor your child’s email, to the point of reading any email before she does. You will not be popular, but you will feel safer. As your child gets to be about 16 or so and seems to be trustworthy, you can relax these rules a bit.
Third, you should check your credit report regularly. Some credit card companies have this information on there websites when you log on. You can also obtain a credit report for free yearly at annualcreditreport. This website can give you your credit score from all three reporting agencies. If you have your identity stolen, you should report it promptly. Call the police, the credit reporting agencies, and of course, your bank.