Moving can be hectic and stressful enough without the added potential of falling victim to fraud. Fortunately, there are steps you can take to ensure that all you have to worry about is unpacking and settling into your new place.

Prune Before you Pack

Moving is the perfect time to declutter and prune your belongings. After all, the less you have, the less you have to move! It's a good idea to organize your home office as well and decide what you need to keep and what you can get rid of. Carefully consider whether you would prefer to keep or dispose of old bank account and credit card statements as well as insurance statement and mutual fund reports. If you decide you no longer need these documents, or anything else that contains sensitive personal information, dispose of them properly by shredding them.

Choose a Reputable Mover

If you're planning to hire a mover, do your homework to ensure that you don't get taken advantage of by disreputable and fraudulent moving companies. The Canadian Association of Movers has a good list of Dos and Don'ts on its website, including:

DOs

• Use a reputable mover. Industry Canada has a checklist for choosing a moving company.
• Always make sure you get your estimate in writing.
• Ask how your goods will be physically protected and insured while in transit.
• Visit the mover's office or warehouse so that you can verify they are a legitimate company and that they have proper storage facilities if you plan to store your goods before the move.

• Rely on advertised or verbal promises.
• Make your decision based solely on price.
• Accept any agreement not supported in writing.
• Assume the mover is insured.
• Assume that the mover you have a contract with will be the one you move with.

Managing your Mail

Your mail is a goldmine for would be identity thieves: be sure to plan ahead so that your mail services are uninterrupted. Canada Post's change of address service allows you to update your address online, and provides safeguards to ensure that it is you who is making the request. They also offer a free customizable checklist of the businesses, service providers, and organizations that you'll want to inform of your move. Be sure to inform your bank and credit card issuers of your change of address. (You can also send out an e-note to your family and friends through the site).

Protect your Personal Stuff

Once you've moved, be sure to check that your mail reflects your new address. You'll likely have forgotten about a few organizations, so always check your forwarded mail and update your information as soon as possible. Be especially vigilant about following up with your creditors if your bills don't arrive on time.

To find out more about fraud and security and about how banks work to protect you, or to download the CBA's free booklet, Safeguarding Your Money, visit the Fraud and Security section of the Canadian Bankers Association website.

Canada's banks take the issue of privacy, security and fraud prevention very seriously. They work hard to prevent their operations and customers from being used for any kind of financial crime and to raise awareness about the ways that customers can protect themselves.

As a consumer, you also have an important role to play in preventing fraud. This month we'll look at how to protect yourself during a move.