A workbook to help you regAin your identity
Presented by SpendOnLife.com
• Understand Identity Theft
• Know If You Are A Victim
• Protect Yourself
• Repair The Damage
Personalized Survival Checklist Includes Detailed Steps To Recovery
Log Sheets Help Track Your Progress

How to Use tHis workbook
Identity theft can be a very tricky crime for its victims. It can be hard to detect, hard to
understand, and hard to resolve. It’s truly a multi-faceted crime that can happen in all sorts of
unexpected ways.
But by equipping yourself with enough knowledge and know-how, you can put an end to the
fraud. This workbook is here to help. Print it out, 3-ring hole punch it, and put it in a binder.
Read through the information in this booklet thoroughly to educate yourself about how identity
theft happens, and what you can do to protect yourself in the future.
Use the personalized survival checklist to know exactly which steps you need to take to recover
your identity. Take action as soon as possible to minimize the damage of identity theft.
Use the log sheets to help you keep track of
important details. Make sure to record every
action you take, every conversation you have,
and every dollar you spend resolving the
fraud (recovery costs can be useful if your case
ever ends up in court). Print out as many log
sheets as you need; use at least one contact
log for each creditor, bank, bureau, and
agency that you contact.
Refer to the resource section for important
addresses and phone numbers of agencies
that you will need to contact.
Also place in the binder all relevant documentation pertaining to your case. This would include
credit card statements containing fraudulent charges, copies of your credit reports showing
unauthorized accounts, letters from agencies trying to collect on debts you did not incur, and
copies of police reports and other important documents you collect along the way.
Even after you’ve jumped through every hoop to clear your good name, you may still experience
additional problems possibly months or years down the road. Keep your binder as your one-stop
source for all relevant information pertaining to your case. By staying organized, taking good
notes, and keeping important documentation together in one spot, you will win the fight against
this complicated and widespread crime.
Let’s get started!
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wHat is identity tHeft? How do i know
Identity theft happens when someone uses
if i’m a victim?
your personal information for their own gain.
Here are a few warning signs that indicate
They use your name, Social Security number,
your identity may have been stolen:
date of birth, and any other personal and
financial information they’ve obtained about
Your monthly credit card or bank statements
you to apply for credit cards or loans, sign up
show unauthorized transactions.
for utilities, or steal money from your existing
Your credit reports list unauthorized
accounts.
accounts, such as new credit cards or loans.
A successful thief can steal thousands of You notice your mail is delivered
dollars in a victim’s name. Often, the victim sporadically, or you don’t receive your
doesn’t even know about the fraud until usual monthly credit card or bank account
months or years later, when their credit is statements.
wrecked and collection agencies start calling
You receive credit cards in the mail for
about delinquent accounts.
which you did not apply, or mail concerning
assets or purchases you know nothing
Criminal and medical identity theft also
about.
exist. A thief will pretend to be you after
You are denied for new credit or loans, or
committing a crime or when he needs medical
offered poor rates or terms, for no apparent
care. It falls upon you to separate the thief’s
reason.
criminal and medical records from your own.
You receive phone calls from collection
agencies about accounts you did not open
How does identity or purchases you did not make.
tHeft Happen?
You are also at risk of identity theft if you
Identity theft can happen to anyone, and
have lost or stolen credit and debit cards,
there is no way to fully protect yourself from
Social Security number, driver’s license,
the crime. Here are some ways that identity
or other sensitive documents containing
thieves get a hold of your information:
personal or financial information.
Lost or stolen wallets
If you receive a notice that your information
Card-skimming, or stealing your personal
has been compromised in a security
information during a transaction
breach (i.e. fraudsters have hacked into a
“Friendly” theft, or identity theft by corporate database containing your personal
friends, family members, co-workers, and information), you should carefully monitor
other people you know your credit for signs of fraud.
Mailbox raiding and dumpster diving for
your personal and financial information
Online methods, including e-mail phishing
schemes in which a thief impersonates
your bank or other trusted company you
do business with to try and lure personal
information out of you
Data breaches, or hacking into company
systems to gain customer information
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How can i protect myseLf? wHat is credit
There are many things you can do to limit
monitoring?
the chances of identity thieves stealing your
Signing up for a credit monitoring service is
identity.
an easy, low-cost way to keep tabs on your
credit and protect yourself against identity
Shop securely online. Look for “https” in the
theft.
address bar (the “s” stands for “secure”) and
the security lock icon in the bottom right of
Instead of remembering to check your credit
the web browser window.
reports regularly, a credit monitoring service
Beware of popular phishing schemes via continuously checks them for you. Anytime
phone and e-mail. there is activity—like when someone pulls
your credit report or when a new account
Limit the information you post about
is opened in your name—you will receive
yourself on online social networking sites
an alert. Make sure that you’ve authorized
like Facebook and MySpace.
each action, and that it’s not evidence of an
Install firewall, anti-spyware, and anti-virus
identity thief at work.
software on your computer.
Use complex pass codes for websites and Credit monitoring is a great way to know
debit cards. Always choose an unpredictable about fraudulent activity before it wrecks your
combination of letters and numbers. credit. Remember to also closely inspect your
credit card and bank statements each month
Shield your PIN from others at the ATM and
for fraudulent transactions. The sooner you
cash register.
learn that your identity has been stolen, the
Make sure you wipe your hard drive before
easier it is to get it back.
you donate, recycle, or toss your old
computer.
Shred financial documents, receipts, and
mail. Choose a shredder that will meet your
shredding needs at the home or office.
protect yoUr privacy
Consider a locked mailbox or a PO Box,
especially if you share a mailbox with
Thieves can raid your mailbox for pre-
others.
approved offers of credit, fill them out,
Never have your driver’s license number
and receive plastic in your name. Protect
printed on your checks. Also, never have
yourself and reduce your junk mail pile at
new checks sent to your mailbox. Always
the same time by signing up at
pick them up from your local bank branch.
www.optoutprescreen.com. You can choose
Only keep what you need in your wallet. to opt-out of the mailing lists for five years
Never carry extra credit cards, your Social or forever.
Security card, or written ATM pass codes.
Sign up for a credit monitoring service that
quickly alerts you to any suspicious activity
on your credit report.
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personaLized identity tHeft recovery cHeckList
Choose your situation(s) from the list below to find out which steps you should take on the
following pages. Check off the triangles once you’ve completed each step.
You have lost or stolen credit or ATM cards
1
Your monthly bank or credit card statements
1 2 3
show transactions you did not make
You’ve been denied credit (or poor rates or
2 7
terms) for no apparent reason
You have received calls or letters about
2 3 4 5 6 7 8 9
accounts that you did not open
Your credit reports show new accounts you
3 4 5 6 7 8 9
did not authorize
Your credit report shows personal
10 7
information that does not belong to you
You received a notice that your personal
information was compromised in a security 2 7 8
breach
You driver’s license was lost or stolen
11
You passport was lost or stolen
12 7
You Social Security card (or number) was
13
lost or stolen
You’ve lost your checkbook, or had checks
14
stolen from you
Your mailbox is consistently empty, or your
monthly bank or credit card statements 2 7 8
15
are missing
You are accused of a crime you did not
commit because the real criminal used your 16
identity instead of his own
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steps to recovery
Use the checklist on the previous page to find out which of these steps you should follow
based on your specific situation. Find more detailed descriptions on the following pages.
1 9
more » Consider placing an extended fraud
more » Contact your creditors and banks to
alert or even a security freeze on your
deactivate the affected accounts.
credit reports.
2 10
Order your credit reports from all
more » three credit bureaus to look for more » Contact the credit bureaus and follow
their dispute guidelines.
unauthorized accounts and credit
inquiries.
3 11
more » Alert the credit bureaus and ask them more » Contact your local Department of
to place an initial 90-day fraud alert Motor Vehicles for the appropriate
on your credit reports. forms and procedures.
4 12
Contact the financial institution behind
Report a missing passport to the U.S.
more » the unauthorized account to ask for more more »
Department of State. Apply for a
details. Explain to them that you did not
replacement at your local passport
open the account, and you want it closed
agency.
and removed from your credit report.
5 13
more » File an ID Theft Complaint with the more » Visit your local Social Security office
Federal Trade Commission. for a replacement card.
6 14 Contact your bank to place stop
more » File a police report both locally as well more »
payments on missing checks, and
as in the jurisdiction where the fraud
report them to the major check
took place.
verification companies.
7 15 Contact your bank or creditor to verify that
more » Sign up for a credit monitoring service more » they sent your statement to you. If it was
to alert you to any new activity or
sent but you did not receive it, contact
fraud on your credit reports.
your local post office.
8 16 You will need to file an impersonation
more » Closely inspect your bank and credit more » report with the police and have your
card statements each month for identity confirmed. Consider hiring an
unauthorized transactions. attorney to clear your name.
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1 Deactivate affected accounts.
1.
Alert your creditors and banks as soon as you can if you have lost or stolen credit or ATM cards,
or see unauthorized transactions on your monthly statements. Contact the financial institution
as soon as possible, but definitely within 60 days (responding to fraudulent charges within
60 days limits your liability). Most banking institutions have a department that specifically
handles lost or stolen cards and fraudulent transactions. Call and speak with a customer service
representative, and then follow up with a letter sent via certified mail, return receipt requested
(and keep a copy for your records). Deactivate the affected accounts. Make sure to use new and
complex passwords for any new accounts you open. Also request that your good credit history
(which boosts your credit score) be carried over to the new account. See Resources for the
contact information for some of the major financial institutions.
2 Review your credit reports.
2.
Get all three of your credit reports if you
suspect that an identity thief has obtained
your personal information and may be using
it to open credit cards, apply for loans, or
purchase goods and services in your name.
You can get your credit reports instantly and
for free by visiting the official government
website www.annualcreditreport.com. Closely
review each report from TransUnion, Equifax,
and Experian. Print them out and highlight
any strange accounts you don’t recognize,
search inquiries you did not authorize, and
any incorrect personal data such as address,
name, or Social Security number. If it’s clear
that someone has been using your personal
information to open accounts in your name,
see the checklist for additional steps.
3 Place an initial fraud alert.
3.
If you see accounts or search inquiries on your credit reports that you did not authorize, contact
each credit bureau via phone and in writing (using certified mail, return receipt requested) to let
them know about the fraud and ask that they remove the fraudulent items.
Also ask them to place a fraud alert on your report. A fraud alert is simply a statement attached
to your credit reports that indicates you are (or may be) the victim of identity theft. A fraud alert
signals to lenders and creditors to take extra precaution before granting credit in your name. An
initial fraud alert lasts for 90 days and does not require any additional documentation to place.
Simply call one of the credit bureaus, who will in turn alert the other two. Or, contact all three
yourself to make sure the fraud alerts are placed on each of your reports as quickly as possible.
Once you’ve placed an alert, you are eligible to receive another copy of your report from each
bureau. Ask that they send the report to you without your full Social Security number printed on
it, for extra protection.
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4 Close unauthorized accounts.
4.
Contact the financial institution behind an unauthorized account to get more details. If it turns
out that a thief has used your identity to take out a loan or apply for a credit card, explain the
fraud to the lender or creditor. Ask them to close the account and remove it from your credit
report. The institution might require documentation, such as an ID Theft Complaint or copy of a
police report before closing the account. Follow up your request to them in writing (via certified
mail, return receipt requested), and keep a copy for your records. Ask to file an identity theft
complaint with their fraud department as well.
5 File an ID Theft Complaint with the Federal Trade Commission
5.
If you are a victim of identity theft, or feel that you might be at risk, you should fill out an ID
Theft Complaint with the FTC. You do this online by visiting the FTC’s Consumer Protection
website at www.ftccomplaintassistant.gov. Be sure to print out a copy of your complaint to keep
for your files. Or, you can file a complaint over the phone by calling 1-877-438-4338.
6 File a police report.
6.
To gain access to all the legal benefits that you
are entitled to as a victim of identity theft,
you should obtain a detailed police report
about your situation.
File a police report both locally as well as in
the jurisdiction where the fraud took place.
You might also consider filing a report with
your state police, since many states have
passed tough new laws to crack down on
identity theft. Filing the report in person is the
most effective method. When you go to file a
report, have with you:
• a copy of the FTC ID Theft Complaint
• a government-issued ID
• proof of residency, such as a utility bill
• copies of any evidence you have of the
fraud (such as credit card statements with
fraudulent transactions, credit reports
showing unauthorized accounts, or
collections letters)
Ask the officer to attach your FTC ID Theft
Complaint to the report; this will add more
detail. Make sure you get a copy of the report,
or at least the report number.
If the police are reluctant to work with you,
try to file a “Miscellaneous Incident” report or
contact your state Attorney General’s office.
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7 Sign up for credit monitoring.
7.
A credit monitoring service is a great weapon in the fight against identity theft. It will alert
you whenever an identity thief tries to use your personal information to open a new account
at a bank or credit card company, or even applies for a cell phone or utility service. Basically,
whenever banks, lenders, and other companies pull your report to review your credit history
(which they almost always do before lending money, goods, or services), you’ll know about it.
If any of these credit inquiries are performed by companies you have no relationship with, it
might signify an identity thief at work. Make sure the service you sign up for monitors all three
credit reports.
8 Closely inspect your monthly statements.
8.
It’s always a good idea to carefully review your bank and credit card statements each month
to look for errors and evidence of fraud. Make sure all of the transactions listed match your
receipts, and that the total bill adds up correctly. If you find discrepancies, refer back to the
checklist for additional steps to follow.
Also make sure that you actually receive your statements each month in the mail (unless
you’re signed up for paperless statements). Fraudsters can raid your mailbox and steal sensitive
information like your credit card bills. To report missing mail, or if you suspect that an identity
thief has submitted a change of address form in your name, refer to Step 15.
9 Consider an extended fraud alert or security freeze.
9.
An extended alert is exactly like the initial 90-day fraud alert, though it stays in place for seven
years. To place an extended alert on your credit reports, the credit bureaus will require some
documentation proving that you are a victim of identity theft. A copy of the Identity Theft
Complaint you made through the FTC and a copy of your police report will most likely suffice.
You can also place a security freeze on your credit reports, which disallows anyone access to
your credit file without your consent. Without access to your file, lenders and creditors will not
open accounts in your name. Contact each bureau separately to place the credit freezes.
During a security freeze, your creditors cannot report any changes to your name, address, date
of birth, or Social Security number. This further protects you from identity thieves attempting to
edit your personal information.
A security freeze will most likely slow down the process when you apply for a new credit card or
loan, but that may be worth the peace of mind knowing that an identity thief won’t be able to
open up an account in your name.
Placing a security freeze is free if you can prove to the bureaus that you are a victim of identity
theft by providing appropriate documentation. If you can’t pull together the proof that the
bureaus request, you can still place a security freeze on your report for a small fee.
You can temporarily lift a security freeze if necessary. You can choose either a global lift (which
lets any creditor who has a legal right to pull your file) or a specific third party lift (in which you
allow a single institution access to your credit report). A lift can last between one and 30 days.
You can remove security freezes and extended alerts through written request to the bureaus.
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10 Follow the credit bureaus’ dispute guidelines.
1.
If you find incorrect personal information on your credit reports, it could signify that an identity
thief has updated your information behind your back, or it could just be a mistake made by the
credit bureaus. Mixed credit files (i.e. when your report gets intertwined with someone else’s due to
name or Social Security similarities) are actually quite common. Visit the credit bureaus’ websites
to follow their dispute guidelines. Make sure you submit your dispute in writing via certified mail,
return receipt requested. The bureaus must legally investigate and resolve your complaint within
30 days (or 45 days if you received your report from www.annualcreditreport.com).
11 Contact your local DMV.
1.
To figure out the right course of action in the
case of a missing driver’s license, you must
contact your local DMV or DPS office. Find yours
at www.onlinedmv.com. Call the office first to
ask which documents you need to bring with
you to obtain a new license.
12 Report your missing passport.
2.
Lost or stolen passports must be reported to the
U.S. Department of State (1-877-487-2778). Visit
their website at www.travel.state.gov to find a
local passport office where you can apply for a
new passport.
13 Report and replace a missing Social
3.
Security card.
The Social Security Administration will only take
a report of your lost or stolen Social Security
card or number if you believe someone else is
using it to apply for employment or government
benefits. Call the SSA fraud hotline to report
such abuse at 1-800-269-0271.
If you believe someone is using your Social
Security card or number to apply for loans and
credit in your name, you should contact the FTC
as outlined in Step 5. The SSA cannot help you
repair your credit, and they very rarely issue
replacement Social Security numbers.
If you need to replace a missing card, visit
www.ssa.gov to find your local office. If you
have your Social Security number memorized,
you may not need a new card. A Social Security
card is only necessary when you are applying for
new employment, for instance. Never carry your
card with you in your purse or wallet on a daily
basis. Keep it in a safe place until it’s needed.
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14 Place stop payments on missing checks.
4.
Contact your bank to put stop payments on missing checks, and ask your bank to notify the check
verification service that it does business with. Also contact all major check verification companies
(see Resources), asking them to notify the merchants that use their service not to accept your
checks. You can contact the Shared Check Authorization Network (SCAN) at 1-800-262-7771 to find
out if someone is passing bad checks in your name.
You will also need to close the checking
account after all legitimate checks clear. If
you order new checks, have them sent to
the local branch of your bank — not your
unsecured curbside mailbox. And never have
your driver’s license or Social Security number
printed on your checks.
In the case of stolen checks, you should also
file a police report and keep a copy of it for
your records (see Step 6).
15 Report missing mail.
5.
In the case of a missing bank or credit card statement, first contact your bank or credit card
company to make sure it was sent out. Also ask them if they’ve received any change-of-address
updates that you may not have authorized. If the bank sent the statement and has not received
a change-of-address, contact your local post office (visit www.usps.gov to find yours) or call
the United States Postal Service customer service at 1-800-ASK-USPS (1-800-275-8777) to file a
complaint. Someone may be tampering with your mail, especially if you have not received any mail
within a two-day period or if you are not receiving mail regularly (i.e. on a specific day of the week)
for two or more weeks in a row. You may also consider filing a police report with local authorities.
If the statement or other sensitive document never turns up, continue to periodically check
in with all of your creditors to make sure no change-of-address forms have been filed in your
name. And consider switching to paperless statements if possible, to ensure this does not
happen in the future. Keep an eye out for fraudulent activity on your credit reports, and closely
review future bank and credit card statements for fraudulent transactions as well.
Other mail safety tips include getting a locking mailbox or a P.O. box, dropping off sensitive
outgoing mail like checks in USPS collection boxes (instead of your curbside mailbox), and
having your mail held while you’re out of town.
16 Be proactive if you’re a victim of criminal ID theft.
6.
If you are a victim of criminal identity theft, the first step you should take is to contact the police
department that originally arrested the identity thief. Explain the situation to them in person if
possible, and file an impersonation report.
You may also need to clear your name in the court records. For more information, visit
www.privacyrights.org. An attorney may be required.
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resoUrces
financiaL government
credit
institUtions agencies
bUreaUs
Bank of America Federal Trade Commission
TransUnion
To report fraudulent www.consumer.gov/idtheft
1-800-680-7289
transactions, call 1-800-427- To file a complaint, visit
www.transunion.com
2449. To report lost or stolen www.ftccomplaintassistant.gov
Fraud Victim Division
ATM or check cards, call 1-800- or call 1-877-ID-THEFT
P.O. Box 6790
848-6090. To report lost or (1-877-438-4338).
Fullerton, CA 92834-6790
stolen credit cards, call 1-800-
State Attorney General
732-9194.
Equifax
Find your state Attorney
1-800-525-6285
Chase General at www.naag.org.
www.equifax.com
To report fraudulent charges
P.O. Box 740241
Social Security
on your Chase credit card,
Atlanta, GA 30374-0241
Administration
call 1-800-436-7927. To report
fraud to your Chase Deposit The SSA will not take reports
Experian
account, call 1-800-935-9935. of lost or stolen Social Security
1-888-EXPERIAN (397-3742)
cards, unless you believe
www.experian.com
Citibank someone else is using it to
P.O. Box 9532
To report lost or stolen Citi apply for employment. The
Allen, TX 75013
cards, call 1-800-950-5114. SSA will very rarely issue a
replacement SSN. If you need
Annual Credit Report
Wells Fargo to replace a missing card, visit
U.S. law entitles you to a free
To report fraudulent activity www.ssa.gov to find your local
credit report from each bureau
on your account, call 1-800- office.
annually. To get yours, visit
869-3557. To report lost or
www.annualcreditreport.com
U.S. Postal Service
stolen checks and debit/ATM
or call 1-877-322-8228.
cards, call 1-800-642-4720.
www.usps.com
To report lost or stolen credit
To report missing mail, or if
Protect Your Privacy
cards, call 1-800-642-4720.
you suspect that an identity
To remove your name from
thief has submitted a change
pre-approved credit card and
Check Verification Services of address form in your name,
insurance mailing lists, visit
contact USPS customer service
www.optoutprescreen.com
TeleCheck 1-800-366-2425 at 1-800-ASK-USPS
Reduce your number of phone Certegy Check 1-800-770-3792 (1-800-275-8777).
Global Payments
calls from telemarketers by
U.S. Department of State
1-866-850-9061
calling 1-888-382-1222 or
ChexSystems 1-800-428-9623 To report a lost or stolen
www.donotcall.gov
CrossCheck 1-800-552-1900 passport, call 1-877-487-2778.
Shared Check Authorization Visit www.travel.state.gov
Network 1-800-262-7771 to find a local office near
National Check Fraud Service you to apply for a new or
1-843-571-2143 replacement passport.
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additionaL resoUrces
Identity Theft Resource Center Identity Theft Assistance Center
www.idtheftcenter.org www.identitytheftassistance.org
The Identity Theft Resource Center (ITRC) is a The Identity Theft Assistance Center (ITAC)
nonprofit, nationally respected organization helps consumers through identity theft
dedicated exclusively to the understanding victim assistance and shares knowledge with
and prevention of identity theft. The ITRC consumers to help prevent identity theft.
provides consumer and victim support as well
National Crime Prevention Center
as public education.
www.ncpc.org/cms/cms-upload/prevent/files/
IDtheftrev.pdf
Internet Crime Complaint Center The National Crime Prevention Center (NCPC)
www.ic3.gov has produced a booklet in PDF format
If you think you are a victim of a cyber discussing identity theft.
crime, visit the Internet Crime Complaint
Privacy Rights Clearinghouse
Center. The IC3 gives the victims of cyber
crime a convenient and easy-to-use reporting www.privacyrights.org
mechanism that alerts authorities, including This nonprofit consumer information and
the FBI, of suspected criminal or civil advocacy organization offers ways to protect
violations. your privacy and prevent identity theft.
U.S. Department of Justice
Identity Theft 911 www.usdoj.gov/criminal/fraud/websites/
www.identitytheft911.org idtheft.html
Identity Theft 911 publishes an extensive The U.S. Department of Justice (USDOJ)
online Identity Theft Knowledge Center. It discusses identity theft and identity fraud, and
includes recent threat alerts, fraud research, what they are doing to stop the widespread
and white papers. crime.
Spend On Life
www.spendonlife.com
This online resource offers information and
advice for identity theft victims and those
wanting to improve their credit rating. It
also offers a three-bureau credit monitoring
service.
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identity tHeft victim Logs
As an identity theft victim, taking careful and thorough notes about each step of your recovery
process is crucial. Detailed documentation will ultimately save you time and headache as you
navigate the various bureaucratic tasks needed to get out of an identity thief’s grasp. Print out
as many of these log sheets as you need to track your progress.
activity Log
Use the Activity Log to jot down every action related to your battle with identity theft. This will
serve as a comprehensive overview of your progress.
date time/money action
LE
spent
P
3/10 30 min/$0 Deactivated Bank of America credit card
M
XA
3/11 2hr/$0 Ordered 3 credit reports from annualcreditreport.com and
E
checked for errors
3/14 1hr/$0 called TransUnion, Equifax and Experian to place fraud alerts
on my credit reports
3/17 - received new Bank of America credit card in the mail
contact Log
Print out a contact log for each financial institution, government agency, police authority,
and credit bureau that you contact. Note in the comments section what was discussed during
phone calls and/or sent through the mail, as well as next steps to take, and dates by which you
(or they) need to follow up.
name of institUtion: Bank Of America
pHone nUmber: 1-800-427-2449
LE
address: -
web site: www.bankofamerica.com
P
M
XA
CONTACT NAME: COMMENTS:
Mandy S. Explained fraudulent charges on my account. Mandy offered to
E
deactivate my card and send me a new one. Should arrive within one
week.
DATE:
3/10
TIME SPENT:
30 min
Page 14
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activity Log
Use the Activity Log to jot down every action related to your battle with identity theft. This will
serve as a comprehensive overview of your progress.
date time/money action
spent
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contact Log
Print out a contact log for each financial institution, government agency, police authority,
and credit bureau that you contact. Note in the comments section what was discussed during
phone calls and/or sent through the mail, as well as next steps to take, and dates by which you
(or they) need to follow up.
name of institUtion:
pHone nUmber:
address:
web site:
CONTACT NAME: COMMENTS:
DATE:
TIME SPENT:
CONTACT NAME: COMMENTS:
DATE:
TIME SPENT:
CONTACT NAME: COMMENTS:
DATE:
TIME SPENT:
Copyright © 2009. SpendOnLife.com. Licensed under a Creative Commons Attribution-Noncommercial-Share Alike 3.0 United States License.