Monday, October 16, 2017

To shred or not to shred? That is the question.




Are you tired of clutter? It can seem overwhelming to tackle the mess, especially when it comes to our sensitive information or important documents we have collected over the years.  By knowing what to keep and what to shred you can help save space and reduce your risk. The list below offers you a guide of where you can start.  


Shred Now
  • Credit Card applications
  • Expired identification cards, employee badges, bank cards, passports
  • Copies of documents with confidential information no longer used
Shred Yearly
  • Unused Stenographers’ Notebook
  • Pay Stubs
  • Monthly statements (As long as they come with a year end statement - Don’t shred year end statements)
Shred 7 or Ten Years
  • Year end bank statements not needed for tax purposes
  • Sales Records
  • Scrap & Salvage Records
  • Canceled Stocks & Bonds Certificates
  • Subsidiary Ledgers
  • Withholding Tax Statements
Never Shred
  • Marriage, divorce, or birth certificates, etc.
  • Insurance policies & medical records
  • Retirement and pension records
  • Mortgages, Deeds, Leases, rental contract still in effect
  • Will
  • Legal & Important Correspondences
  • Diplomas and Degrees/transcripts  
  • Trademark Registrations & Copyrights
  • Medical records and other important information
  • Any active documentation should not be shredded until they have expired, such as pet records, employee benefits, credit reports, loan contracts, maintenance records, etc.
  • Not sure - Don’t shred it!


Click here to find a more complete list of how long you should keep your documents.


BBB offers these tips when deciding what to shred:


  • Whether it is for your home or business create a well defined plan on what you should keep and what you should get rid off.


  • Your home and office are not the only things that can become cluttered. Create a plan to clean up any digital clutter that may be piling up. Storing digital data can be costly. Get rid of any documents you no longer use or need.


  • Keep up-to-date on what needs to be shredded and when. Visit irs.gov  to see is there is any changes in how long you should retain certain records.


Do you  have documents that need shredding? Join Better Business Bureau Serving Greater Cleveland on October 21, 2017 from 10:00 am to 2:00 pm (or until truck is full) at RadAir Complete Car Care and Tire Centers in Westlake (27051 Detroit Rd) and Wickliffe (29257 Anderson Rd). Bring up to three bags to help safeguard your identity.

Find more information at: bbb.org/cleveland/SecureYourID

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