Shredding Documents:
Important Items To
Shred Right Now!

Shredding documents is only one sure-fire way for protection against identity theft, why?...

Shredding documents is good protection against identity theft.

Because identity theft has risen to alarming rates in the last couple of years with the decline in our economy.

Identity theft precautions are extremely important to know and implement.

Don't fall victim to the vicious crime of identity theft.

For more information, go to;

Are you aware of some of the items that you should shred Now?

Please check the list below to see important items to shred.


Shredding Documents
Credit Cards You Cancel

If you have reasons for canceling a credit card make sure you shred the card in a shredder that has the capability to cut through plastic.

If you don’t have a shredder make sure you cut through the magnetic stripe that has encoded information on it.

The next step is to cut the pieces into teeny, tiny bits and throw the parts away in completely different garbage bags.

This may sound extreme but in this day and age you can’t be too careful.


Shredding Documents
Credit Card Offer

We all receive credit card offers in the mail. The last couple of years have seen the offers on a decline but recently I have noticed a glut in this type of offer again.

If you are going to follow through with an offer and open up an account that’s one thing but if you are going to ignore the offer the best thing to do is destroy the information immediately.

The offer has to much personal information connected to it.

Leaving this offer lying around is also an invitation for anyone else with access to your house to fill it out, even another family member.

This has been known to happen with regularity.

To stop your mailbox from being flooded with these offers please go to; stop junk mail to learn more.

Many people just tear up these offers and toss them in the garbage.

The problem with that is the increase in dumpster diving, people that go through garbage in the hopes of finding personal information for the purposes of identity theft.

Most dumpster divers are after can, bottles, etc; unfortunately there are many that are unscrupulous and whose only intent is to commit identity theft.

The safest way to destroy your information is to shred, not tear it. The best way to shred is to use a cross-cut shredder.

This makes the chances of someone getting a hold of your information and putting it back together almost impossible.

The last thing you need is for someone to open up a credit card you didn’t know anything about and destroy your credit rating.


Shredding Documents
Cancelled Checks

Keeping cancelled checks only amounts to a crime in the making.

Writing void on your checks doesn’t keep you from being the victim of identity theft.

Your checks still have your name, address, routing number, account number and in many cases your telephone number on them.

This again, is just a crime waiting to happen for anyone that gets a hold of them and has less than stellar motives.

I know of some instances where the person wrote their complete credit card number on the check when paying their bill.

For your safety when using duplicate checks, have your checking account number omitted.

If you need payment proof just ask the recipient for a receipt, then make sure you shred the duplicate check.


Shredding Documents
Credit Card Convenience Checks

I think one of the worst items to receive in the mail from credit card companies are “convenience checks”.

The basic idea of these checks is to borrow against your line of credit, which is for you, quick cash.

The worst possible thing to have happen would be having these checks fall into a thief’s hand.

The most dangerous aspect of receiving these convenience checks in the mail is the fact that it looks like a bill from the credit card company, but in fact are checks that amount to what is called, “live loans”.

Wow! How dangerous is that? This is a crime waiting to happen.

See identity theft precautions and also protection against identity theft to learn how to shield yourself from becoming a victim of identity theft.


Shredding Documents
Pay Stubs

Your pay stub has a wealth of information on it that needs to be protected from thieves.

The pay check gives a variety of other targets for a criminal to attack such as; your bank accounts and even your health care provider.

All of these targets just give a criminal another avenue where they are able to attack you.


Shredding Documents
Bank Statements

Anything with your bank account numbers on them makes you extremely vulnerable.

Old bank statements should be shredded immediately.

One way to avoid a pile up of old bank statements is to switch to statements online.

One of the most popular way thieves get their information for the purpose of identity theft is to raid mailboxes.

This method has gain steam in the last few years.

If you still get paper statements every month then make sure you shred them on a monthly basis.


Shredding Documents
Previous Photo IDs

Many IDs that just have your photo are not as big a threat to keep lying around as an old driver’s license.

A driver’s license has weight, height, DOB, and biometric info that can verify an account.

Make sure you use a shredder than is capable of shredding plastic.


Shredding Documents
Tax Returns

As a general rule and with no circumstances listed below by the IRS you should keep your tax returns for 3 to 4 years.

  • You owe additional tax and situations (2), (3), and (4),below do not apply to you; keep records for 3 years.
  • You do not report income that you should report, and it is more than 25% of the gross income shown on your return; keep records for 6 years.
  • You file a fraudulent return; keep records indefinitely.
  • You do not file a return; keep records indefinitely.
  • You file a claim for credit or refund* after you file your return; keep records for 3 years from the date you filed your original return or 2 years from the date you paid the tax, whichever is later.
  • You file a claim for a loss from worthless securities or bad debt deduction; keep records for 7 years.
  • Keep all employment tax records for at least 4 years after the date that the tax becomes due or is paid, whichever is later.

It is also a good idea to keep these returns in a fireproof box for safe keeping.

In the case of tax return information, the threat to you is huge as your social security numbers listed can compromise your identity.

To learn more, go to; social security secrets. You usually have more than one social security number listed because of any dependents you have to declare.


Shredding Documents
Magazine Subscription/Inserts

Years ago a woman where I worked clued me into something, that at the time, I had never given a thought to...

If you received catalogs or any magazine you subscribe to make sure you check the front or back for a label with your name, address and in many cases your account number.

Also, look within the magazine on their order form. The order form usually has your name, address, and many times your account number.

All the above leave you vulnerable for identity theft so please make sure you stay diligent in shredding documents.





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