Posted by Jennifer Iracki
Lately, I've been leading a bipolar life, it seems. I've had some wonderful ups, like my recent vacation to Las Vegas, where my boyfriend proposed to me at the top of the Stratosphere tower. (No, we didn't get married too. Everyone asks that!) But, afterward, I experienced a pretty big down -- my purse was stolen at a local restaurant only a few days after I'd returned. So, while I'm excited to look forward to a starting a new life, I wasn't really planning on having to rebuild my life first. Not to mention that I feel completely violated. Suffice it to say that a thief ended up with nearly all the contents of my purse, including my brand-new digital camera with my vacation pictures (not even uploaded to my computer yet!) on it.
I won't go into the details of all the events, even though they are rather interesting, as they unfold more and more day by day. Instead, I'd like to share some suggestions I have for lessening the devastating effects of a situation like mine. These may seem obvious, but they could definitely help.
Know what's in your purse/bag/briefcase/wallet. I was lucky enough to have cleaned out my purse prior to my vacation and I knew almost exactly the contents of my purse. If I hadn't done that, I wouldn't have known what was in there!
Carry only the items you need. Leave stuff you won't need at home each time you leave the house. If, for example, your spouse is driving and has house keys, considering leaving your keys at home. This is the reason I had to change all the locks on my house and car. It's also the reason I lost my camera and priceless engagement/vacation photos.
Don't carry your checkbook. How often do you really need a checkbook when you're out and about these days? If you don't have a debit card, you may need your check. In my case, I barely ever write checks anymore. I shouldn't have had mine with me.
Don't carry large amounts of cash if you can help it. One of the smart things I did was take all my vacation money (remember, I just got back from Vegas) out of my wallet when I got home. My thief walked away with a whopping $4 in cash.
Never carry your Social Security card or number. They tell you this when you first get your card and it's very good advice. I have never kept mine in my purse or wallet.
Never carry PINs or access ID codes with your credit/debit cards. Another thing I've never done. Not smart!
If you have a locator service from your cell phone provider, make sure your phone is added. I use my service to keep tabs on my daughter, but I had luckily added my phone too. (I pay a single fee and can add any phone from my account.) I led the police right to my phone the same evening of the theft. The good news is I got my phone back. The bad news is it was inside my otherwise empty purse and found in a Dumpster.
Keep your purse/bag in sight at all times. I will never turn my back on my purse in public again. (Maybe I should write that over and over 500 times, like we had to do in school!)
Don't always follow Mom's "no staring" advice. Remember when you were a kid and Mom told you not to stare at people? I suppose that's just being polite. Well, my "good manners" got the best of me when I made the decision to turn away from someone acting a little odd, so to speak. I will definitely get a good look at everyone who comes anywhere near me now.
If the theft was made at a specific establishment, notify their management as well as the police. You should always file a police report. Even if no arrest or conviction comes of it, you'll have the incident on record. Restaurants, shops, etc. have lots of cameras and they know regulars. Staff also has eyes everywhere ... and everyone loves to be a junior detective! I've received lots of info from employees that I believe could really help locate my thief. Of course, I've turned it all over to the detective working the case. Don't ever go after someone on your own!
After a theft, make contacts methodically. Think about what missing information and items could cause you the most damage and start there. The first thing I did was call a locksmith, then my bank, and so on. Your list may begin a bit differently. It depends on your personal situation.
Contact insurance companies. Your auto insurance provider would rather pay for new door and ignition locks now, than pay for a stolen vehicle later. (My full coverage policy paid for this stuff -- minus the deductible.) Also, check on your homeowner's insurance. If what was stolen is more valuable than your deductible, you may want to consider filing a claim. Unfortunately, the monetary value of my stuff was about equal to my deductible, so not worth the claim.
Think about out-of-the-ordinary things that could have been compromised. Consider: video rental cards, library cards, gym membership cards, etc. Get them changed! You never know what people could do. Also, think about receipts and notes that may be in your checkbook or on carbon duplicate check copies. You may want to get copies of checks you wrote. Did you put any account numbers or names on your check memo lines?
Contact the credit bureaus. Give them the accounts that may have been compromised. They may have you jump through a few hoops, but it's better to be sure everything has been reported to them.
I'm sure there are other things you could do to mitigate the risk of having your identity stolen, but these are my top items. Have you ever been a victim of theft? What suggestions do you have for keeping your home and life protected?