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Check the file , as a person to write the amount paid and the payee on the check and signed verification of payment. Well , the money is taken from a person 's checking account to pay for goods or services. Although the use of the checkbook is not as common as it used to be as a result of other means of payment , such as credit cards where you get credit protection dishonest transaction , it is still necessary to have what might happen to give you some basic knowledge and you the case of the financial position of the missing checkbook . Check fraud Examination included the owners full name, address , bank name,bank routing number and account number. This information is enough to take your identity and credit fraud risks. Check fraud changes include the following : - Enough information for you and your bank account takeover , thieves can easily be in your checking account. They may even change your mailing address, so you will not receive bills from your bank , give them enough time to clean up your account, and then test . Check the washing - check wash a simple and effective type of check fraud , where the perpetrator has been written using the check , but still in your checkbook and erase the previous information on the check . For this reason, you should never leave your checkbook at the written examination, but timely payment . ' Wash ' your check , the thief will simply write on the check, still have your signature to verify your details. Media create a new account - as is included in your check on their hosts a lot of information. This is more than enough under the victim's identity thieves to open new credit limit. Thieves do is you run a background check , so they can search for other identification to help them verify your identity ( such as date of birth, mother's maiden name , etc. ) , because you have your full name printed on the check it is easy to search for information about your other identification thieves . Online check expenditure - have websites that allow online shopping, using the customer's name, bank name , account number ,bank routing number, and mailing address. It's easy to get through online fraud victims , if your checkbook is stolen or lost , especially if the site does not use other authentication procedures, in addition to making a purchase financial details. Minimal damage: things to do when you lose your checkbook Once you realize that your check is lost, you will need to notify your bank and ask your account is frozen. " Frozen only last 24 hours, but this can help temporarily stop all transactions , many thieves will write a lot of checks , check as much as possible to find your lost shortly after , so will freeze your account, you can effectively stop them in their tracks on next, prepare all the necessary documents , including bank statements, your checkbook ledger and your most recent transaction receipt . put these take you to your bank , so you can know which trading should be allowed to clear the assist banks at this point, you should open a new account , leaving only need your old account to pay your legal transactions . Once your transaction has been cleared , you should close the old account . Keep in mind that will freeze your checking account , so that some projects are clear and close the old account is done to prevent the illegal use of criminals checks . You can still use your checkbook might commit other types of fraud , so you have to perform some basic identity theft prevention. For example, check your credit report with the help of a credit monitoring service that allows you to detect if any line of credit has been opened to use your identity. Credit monitoring service will send you an alert or notification , to help you keep your credit card safe .
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