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25 Ways to Protect Your Identity and Your Credit
STEVE WEISMAN hosts the nationally syndicated radio show A Touch of Grey, heard on more than 50 stations across America, including New York City's legendary WOR and KRLA Los Angeles. A member of the National Association of Elder Law Attorneys, he has taught at the University of Massachusetts, Curry College, and Boston University, and is an adjunct faculty member at Bentley College. He holds a JD degree from Boston College Law School and is admitted to practice before the United States Supreme Court. Weisman has a legal practice in Cambridge, Massachusetts. He also speaks to groups on legal topics throughout the country. Weisman is legal editor and columnist for Talkers Magazine, and writes for publications ranging from The Boston Globe to US Air Magazine. He has earned a Certificate of Merit from the American Bar Association for excellence in legal journalism. He is the author of A Guide to Elder Planning: Everything You Need to Know to Protect Yourself Legally & Financially (Financial Times, Prentice Hall).
© Copyright Pearson Education. All rights reserved.
Excerpt. © Reprinted by permission. All rights reserved.
I50 Ways to Protect Your Identity and Your CreditINTRODUCTION
Identity theft is one of the most pervasive and insidious crimes of today; a crime that can tremendously disrupt your lifeor even put you in jail for crimes you never committed.
This book explains the horrific details of the many identity theft scams so prevalent today. Story after story takes you into the dark world of identity theft and the dire consequences that can flow from this crime that affects more and more people throughout the world. This book shows you just how vulnerable you are, but it also shows you steps you can take to protect yourself, as best you can, from becoming a victim. It also tells you what to do if you become an identity theft victim.
This book also explains how the world of credit operates and your rights and responsibilities.
Sure, love makes the world go round, but perhaps Joel Grey's character in the musical Cabaret was also right when he said, "Money makes the world go round." Today, however, it is often neither love nor money that sends the world in a spin, but rather credit.
Your credit affects whether you can rent an apartment, buy a home, buy a car, get a job, obtain insurance, or even take a vacation. Your credit is important. And unfortunately, the world of credit is fraught with peril.
You may be discriminated against in credit because of your age, your gender, or your marital status.
The privacy of your financial information may be compromised and widely disseminated to your detriment, making you more vulnerable to identity theft.
Your credit card may have hidden fees, charges, and conditions buried within mountains of "fine print" that can have disastrous effects.
Taking the wrong steps to repair your credit can cause your further financial victimization.
Your credit report, widely used throughout the world of finance and affecting so many areas of your daily life, may be wildly inaccurate or tainted.
This book may scare the hell out of you, and rightfully so. It explains just how vulnerable we all are in the world of identity theft and credit. But it also tells you what you can do about these problems. It provides specific steps you can take to protect your identity and maximize your credit.
© Copyright Pearson Education. All rights reserved.
50 Ways to Protect Your Identity and Your Credit: Everything You Need to Know About Identy Theft, Credit Cards, Credit Repair, and Credit Reports
FROM THE PUBLISHER
Don't be a victim! Save your identity, save your creditand save a fortune!
10,000,000 Americans had their identities stolen last yeardon't be the next!
Discover easy steps you can take now to reduce your vulnerability.
Recognize "phishing" and other identity scamsonline and off.
Learn what you must do immediately if you've been attacked.
Defend yourself against credit rip-offs, and stop paying more than you have to!
It's all here: simple rules, handy checklists, even easy-to-use form letters!
FROM THE CRITICS
Library Journal
This book takes a comprehensive look at the phenomenon of identity theft, explaining what it is, how it happens, how to protect yourself from it, and what to do if it does happen to you. Using real-life examples to illustrate common identity theft scams, attorney Weisman reviews the steps consumers can take to protect themselves and emphasizes the informed and cautious use of credit cards, ATM cards, mailboxes, online purchasing, and online bill payment systems. He also reviews the role of the Gramm-Leach-Bliley Act in protecting consumer privacy and discusses technological developments like voice recognition software, retinal scans, and fingerprinting systems now being used to fight identity scams. Forms, letters, and checklists are included to help victims report credit or identity fraud to the appropriate authorities. Amanda Welsh's recent Identity Theft Protection Guide is similar in scope but includes a self-test so that readers can determine whether they are vulnerable Full of good information presented in usable form, Weisman's book is recommended for public libraries.-Joan Pedzich, Harris Beach LLP, Rochester, NY Copyright 2004 Reed Business Information.
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