What to Shred - Personal 

What personal documents need to be shred and when ?

The instances of Identity Theft and of Credit Card and Medical Insurance Fraud continue to rise year over year.

Individuals worried about Identity Theft and Fraud need to come to grips with a plan for safely disposing of personal documents. This includes documents

• with confidential financial information
• with open checking account and credit card information and imprints
• with medical account and insurance information
• with social security and drivers license information and other 'legal' identification data.
• with personal or embarrassing information.

No one should feel secure depositing aged canceled checks, tax return information and confidential information in dumpsters or curb side pick up sites. In addition, personal shredders are expensive, noisy, and dusty and TIME CONSUMING!!!!

What Personal Documents should I Shred?.... What Personal Documents should I keep??

D.J. Shredding recommends individuals perform a one time clean up of personal documents followed by annual 'tune ups'. We are pleased to perform personal shredding services for large and small jobs of any size because we know the importance of your security and peace of mind.

Here are our recommendations for shredding personal documents:

Shred or secure after one month

• Credit card receipts
• Banking withdrawal and deposit slips (keep until the bank account is reconciled).
• Sales receipts for minor purchases

Shred after one year

• Paycheck stubs
• Cancelled Checks and Copies
• Monthly statements from
• Banks, credit cards and retail and medical accounts
• Mutual funds and investments
• Retirement Program Statements

Shred after six years

• W-2's, 1099's and related tax reporting documents
• Year end statements from
• Banks and credit cards
• Mutual funds and investments
• Retirement Program Statements

Keep Indefinitely

• Tax returns
• Receipts for major purchases
• Real estate and legal documents
• Current copies of wills and trusts

• Back up for any ongoing disputes
  

Keep in Safe Deposit Box or other secure storage

• Birth and Death Certificates
• Marriage Licenses
• Insurance Policies