Mercede Ghofli

Real Estate Broker

714. 838. 2471 Direct/Fax

714. 225. 8225 Mobile/text

Contact Mercede

Your Tustin Ranch

Real Estate Connection!

 Thank You For Visiting, Please Come Back Again.
To contact me directly please call the above phone number or send me an Email.

Under the "Fair and Accurate Credit Transactions Act", you are entitled to one free credit report per year at:

www.annualcreditreport.com

you may also call them directly at:

(877) 322-8228

and have a free report mailed to you.

--How to protect your credit--

1.  The next time you order checks have only your initials (instead of first name) and last name put on them.  If someone takes your checkbook, they will not know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.

2.  Do not sign the back of your credit cards.  Instead, put "PHOTO ID REQUIRED."

3. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the "For" line.  Instead, just put the last four numbers.  The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check-processing channels will not have access to it.

4. Put your work phone # on your checks instead of your home phone.  If you have a P.O. Box, use that instead of your home address.  If you do not have a P.O. Box, use your work address. Never have your SS# printed on your checks. You can add it if it is necessary.  However, if you have it printed, anyone can get it.

5. Place the contents of your wallet on a photocopy machine.  Do both sides of each license, credit card, etc.  You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. Also carry a photocopy of your passport when traveling either here or abroad. We have all heard horror stories about fraud that is committed on us in stealing a name, address, Social Security number, credit cards.

6. When you check out of a hotel that uses cards for keys (and they all seem to do that now), do not turn the "keys" in.  Take them with you and destroy them.  Those little cards have on them all of the information you gave the hotel, including address and credit card numbers and expiration dates. Someone with a card reader, or employee of the hotel, can access all that information with no problem whatsoever.

7. Social Security Administration (fraud line): 1-800-269-0271