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While many of us do not plan to borrow during retirement and so are comfortable opting out of credit card offers and putting a freeze on our accounts at the major credit reporting agencies, we may not even be aware of the potential for telecom and utility fraud. Someone may have Dish TV or a phone installed at our expense! Telecoms and utilities use a different reporting agency, the National Consumer Telecom and Utilities Exchange.

We can opt out from sharing information for offers of credit relating to these services by calling 1-888-327-4376 or writing:

Exchange Service Center – NCTUE Opt Out
P.O. Box 105398
Atlanta, Georgia 30348-5398

We can check our Disclosure Report by calling 1-888-349-5185 or writing:

NCTUE Disclosure Report
P.O. Box 105161
Atlanta, Georgia 30348-5398

If we do not expect to move or to change telecom or utility services, we might want to put a security freeze on our information by calling 1-866-349-5355 or writing:

NCTUE Security Freeze
P.O. Box 105161
Atlanta, Georgia 30348-5398

If we have been a victim of this or some other form of fraud, we can request a fraud alert for 90 days or, with a police report, for a year by writing:

NCTUE Alerts
P.O. Box 105425
Atlanta, Georgia 30348-5398

There’s no reason someone else should sit back, watch television and enjoy our hard-earned money. Take these steps to try to prevent telecom and utility fraud.

For more tips to protect yourself from major avenues of fraud, including phone, internet, and nursing home fraud, visit: Still Clowning Around? Protect Yourself from Fraud.

For ways to protect yourself from elder fraud via financial exploitation, visit: Elder Fraud.

Estate Planning attorney, Terry Garrett, is a member of the National Academy of Elder Law Attorneys and is active in the Texas and Austin Bar Associations. She graduated with honors from Cornell University. She was on the Dean’s List at Wharton Business School. She earned her J.D. at Columbia Law School, receiving the Parker Award and a Mellon Fellowship.

She assists families of people with special needs, people planning for the retirement years and people administering estates.


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