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Show THE OGDEN VALLEY NEWS Volume VIII Issue XI Page 11 September 15, 2003 BINGHAM cont. from page 9 IDENTITY cont. from page 1 Credit Bureaus In 1870 Erastus Perry Bingham married Emeline Clarissa Allen, which resulted in their having 19 children. The accompanying picture, showing 16 of their children, was taken in 1894. There were three more children born after this, making a total of 14 boys, and five girls. Emeline was a very economical, clean housewife, and a loving, devoted wife and mother. She stood shoulder to shoulder with her husband through hardships and poverty. She learned to sew and knit, even spinning yarn from wool taken from their own sheep, and some gathered. She made stockings, shawls, and mittens for their family. She bought cloth from the Ogden woolen mills, and made clothing for boys and girls. The boys wore homemade suits until they were old enough to earn money to buy their own. When they moved to East Huntsville, it was still part of Huntsville Ward, and Erastus Perry was appointed Presiding Elder, a position he held until a short time before his district became the Middleton Ward. During that time, they attended both church and school in Huntsville. Later, a one-room schoolhouse was built in East Huntsville District, which had all grades. He served as School Trustee. Brother and Sister Bingham were like father and mother to this little district. Young and old came to them for advice and counsel. It was never too cold or dark for them to go to the aid of a sick family. They were hospitable and kind to everyone. Many times church officials, as well as other guests, were entertained in their home. They were all made welcome, and were given the best they had. Brother Bingham served many years as one of the seven Presidents of Seventies, and on May 10, 1910 he was ordained a High Priest by Adam L. Peterson. He served as Ward Teacher for many years. He held several public offices, such as constable, six years as president of one water company, and director of another for a number of years. As their children grew up, each took part in the religious and social activities of the community. As they married, many went to live in different parts of the country. There were still eight children at home when his wife passed away on March 28, 1912. He remained in his home until his two youngest daughters married. Then he went to Ogden and lived with his daughter Minnie McDonald until her death on June 6, 1926. He then moved to the home of his youngest daughter Cedenia Hale, who also lived in Ogden. He died June 4, 1929 at the age of 83. He was buried beside his wife in the cemetery in Huntsville, Utah. SSN, always ask the administrator if a substitute means of identification can be used, or if one is necessary at all. Never release your SSN to unsolicited requests to do so. Order your credit report Order your credit report twice a year from each of the three credit bureaus to check for inaccuracies and fraudulent use of your accounts. Catching and correcting fraud early is key. Order your Social Security Earnings and Benefits Order your Social Security Earnings and Benefits Statement once a year to check for fraud. You can order your Earnings and Benefits Statement by calling (800) 7721213. Protect your mail Do not toss pre-approved credit offers in your trash or recycling bin without shredding them. They can be used by “dumpster divers” to order credit cards in your name and their address. Do the same with other sensitive information like credit card receipts, phone bills and so on. Your mail is full of valuable information. Install a locked mailbox at your residence to reduce mail theft or use a post office box. When paying bills, do not leave the envelopes containing your checks at your mailbox for the postal carrier to pick up. If stolen, your checks can be altered and then cashed by an imposter. It is best to mail bills and other sensitive items. Equifax 1-800-525-6285 www.equifax.com Experian 1-888-397-3742 www.experian.com TransUnion 1-800-680-7289 www.tuc.com What to do if you think your identity has been stolen Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge. Get a copy of your credit report, which is free to ID theft victims. Ask that your file be flagged with a “fraud alert tag” and a “victim’s statement.” That will limit the thief’s ability to open new credit accounts, as new creditors will call you before granting credit, generally. Insist, in writing, that the fraud alert remain in place for seven years, the maximum, according to PrivacyRights.org. VIEWS FROM THE TOP!! Cathie McGregor (801) 726-3984 Cindy Kay (801) 791-9862 Huntsville - Beautiful Log Rambler 4 BD, 3BA with finished basement. Have brunch on one of the 3 large tiered decks overlooking Pineview Reservoir. Amazing Barn. Room for All Your Horses!! Call for your private showing or Virtual Tour information. This home is HUGE! $259,900 BARBARA BEALBA INTERIORS Custom Draperies Blinds, Shutters & Shades Reupholstery Design Consultation 745-2269 E-mail: barbarab@konnections.net Close the accounts that you know or believe have been tampered with or opened fraudulently. The list may be wider than you realize. This includes accounts with banks, credit card companies and other lenders, and phone companies, utilities, ISPs, and other service providers. Dispute all unauthorized charges. The FTC offers a sample dispute letter on its web site. Disputes may require a sworn statement and a police report. The FTC also offers a form affidavit that can be used for the sworn statement. Go to www.consumer.gov/idtheft/affidavit.htm Use the ID Theft Affidavit when disputing new unauthorized accounts. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime, such as insurance claims. Be persistent; your local police department may suggest that this isn’t necessary, because they don’t want the paperwork hassle. Fill out an online ID Theft complaint with the Federal Trade Commission or call 1-877-ID-THEFT. This enters your case in the FTC’s “Consumer Sentinel” database, a nationwide list of ID theft cases, which can be used by law enforcement officers to find patterns and catch criminals. More help More detailed 17-step plan to follow if your ID is stolen www.privacyrights.org/fs/fs17a.htm “When bad things happen to your good name” – FTC document full of sample dispute letters and other recovery procedures. www.ftc.gov/bcp/conline/pubs/credit/idtheft.ht m U.S. Department of Justice ID Theft kit www.usdoj.gov/criminal/fraud/idtheft.html Identity Theft Resource Center www.idtheftcenter.org Organizing your ID theft case – good paperwork is key www.privacyrights.org/fs/fs17b-org.htm ID theft laws vary by state – here’s a list of state laws www.consumer.gov/idtheft/statelaw.htm Michigan State University School of Criminal Justice ID Theft page www.cj.msu.edu/~outreach/identity |