Identity theft. Why shred papers with name/address if a thief can find the same info from telephone directory?

Question

I get fed up with shredding junk mail - what's the point? I understand you shouldn't leave bank details lying around, but do you need to destroy stuff when its in the public domain?

Answer 1

It is not the name and address on its own, but certain documents (Utility bills etc) can be used to prove identity and address at a bank or building society to obtain a loan or open an account. Fraudsters then notify them of a change of address so that your name is still used but at a different address. This is often used to "launder " money obtained by dishonest means but also to fleece other people's accounts or obtain loans in your name. It would be a great help if Banks and Building Societies were to cross check with the local Polling List but this is not always the case.

Answer 2

The telephone directory will not connect your name and address with a company or account that you have, make sure you shred all the info pertaining to your account numbers, or potential account numbers, so someone can't use your name to start a new account, or get into your old accounts.

Answer 3

The phone directory doesn't have your SS# where as some of your mail may have it. If you want you can choose to have an unlisted number. If someone really wanted they could still find out all your information even if you take all the necessary steps to protect yourself from identity theft.

Answer 4

You raise a valid point. You need to be responsible with your personal information but you don't need to be paranoid. If someone is really after you they are going to get the information.

To make shredding a less of a pain I recommend shredjunkmail.com. It is cheaper than a shredder and you can do several months of shredding in a few minutes.

Answer 5

Can you afford to take chances like that? Personally I can't and therefore cross shred everything, even envelopes. It doesn't take long and gives me peace of mind that I am doing everything I can to avoid identity theft.
It all goes to recycling anyway.

Answer 6

it is solid practice to shred this as an id thief will use small products of archives to get more advantageous ones. as an get mutually, in the journey that they have got your telephone bill they'll call them up and verify out to get your social safe practices style. Shred all of your mail and then recycle the bits.

Answer 7

It's because utility bills and so on can be used as proof of address. And you should be especially wary of all those junk mail credit card applications you receive, because someone could easily apply in your name.

Answer 8

identify theft depends on on two things one is your ss card, and your banking information, because home mail can be stolen at the door so easy, contact all your creditors and request that ss number and account numbers be blacked out on all mailings to you. they may request a password arrangement to set this up, or request that all mailings be stopped and copies sent to you by email. when paying Bills record date of statement, the account number and transaction number if on-line. otherwise shred anything. and everything . or do as i do throw it in the wood stove and burn it.

Answer 9

Not if you are Ex Directory they can't

Answer 10

Just take your rubbish out a few minutes before the dustmen come, it's much easier