Our 1995 Americans and Their Money poll revealed 70% of Americans fear that strangers peek at their records without permission. Unfortunately, they're probably right. Says Robert Ellis Smith, publisher of the newsletter "Privacy Journal": "Information has gotten beyond the control of institutions that are supposed to control it."

Sadly, because of the computerization of financial information , some loss of financial privacy is almost inevitable today. But here's how to preserve as much of it as possible:

Guard Your Social Security Number

For nosy researchers, your government ID is the "key to going database hopping," says Evan Hendricks, editor of "Privacy Times", another newsletter addressing privacy issues. Don't make it easy. Don't write the number on checks, and don't carry the number in your wallet where it can be stolen and used to open credit accounts in your name. If your bank or mutual fund uses your Social Security handle as a password for getting information about your account over customer service lines, ask the institution to use another number instead.

Beware of Unknown Companies Bearing 800 Numbers.

Some outfits mail out innocent-looking ads asking you to call an 800 line for free information on, say, financial products or Florida real estate. When you call, the firm uses caller-ID technology to learn your phone number. Other software matches your phone with your name and address. Thus, even if you don't bite on the original sale, you might get a call form the company pitching you other products in the future.

Pay Cash

When you use a credit card or a check-cashing card at many retailers, you leave an electronic trail associating you with products you've bought. If you don't want marketers to know your buying habits, don't use plastic.

Remove Your Name From Mailing Lists

Write to the Direct Marketing Association's Mail Preference Service(P. O. Box #9008, Farmingdale, N.Y. 11735). Ask the vendors you like to add you to their in-house file. The company uses that list for its own mail campaigns but isn't supposed to sell it.

Be Certain Your Credit Report Is Accurate

It's hard to stop businesses from getting your credit report. At least make sure that what they find there is accurate. Get a copy from each of the three main credit agencies: Equifax (800-685-1111), Trans Union (P. O. Box #390, Springfield, PA 19064) and TRW (800-682-7654). If you've been denied credit, the reports are free; otherwise Equifax and Trans Union typically charge $8.