Identity Theft PowerPoint


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  • How many of you know someone who has been a victim of ID theft? More than once? How many of YOU have been a victim? Business Network Online report: * Approximately 254,095 Washington residents fell victim to fraud in 2006, which equals the populations of Bellevue, Redmond and Renton, WA. The FTC says 5,336 state residents were victims. Identity theft cost Washington victims an estimated $1.22 billion last year. * Washington residents spent a total of 7.7 million hours resolving identity theft issues. * An estimated 18.9 percent (nearly one in five) of Washington residents have been victims of identity theft in the last five years.
  • John McCain: Identity Theft In 2004, John McCain's wife was horrified to learn that a group of criminals had assumed her identity and gone on a shopping spree using her credit cards. "To those men I have only this to say," McCain declared some time later. "Thank you and God bless you! You were spending a lot less than my wife was!" [Sources: " Tonight Show with Jay Leno " - July 2004]
  • Nov. 17, 2008 Attorney General’s investigation finds MyLuvCrush a not-so-sweet nothing Tatto Media agrees to alter its online advertising methods SEATTLE – Money can’t buy love. But that didn’t stop a Washington-based company from tempting Internet users with the chance to learn the identity of a secret admirer. Unfortunately, any lonely hearts or curious souls who may have bit at Tatto Media, Inc.’s promotion lost out. According to the Washington Attorney General’s Office, the company’s promise to reveal your “LuvCrush” was a sham to sign consumers up for a horoscope text-messaging service. “ Tatto Media’s ‘MyLuvCrush’ promo was nothing but a tease that may have crushed the hearts of hopeful romantics,” said Senior Counsel Paula Selis, an assistant attorney who heads up the office’s Consumer Protection High-Tech Unit. The company, which has offices in Seattle and Boston and promotes itself as a behavioral advertising service, reached an agreement with the AG that restricts how it can advertise in the future. The Attorney General’s Office does not know how many Internet users may have been duped by the promotion but opened an investigation after discovering negative comments about MyLuvCrush on blogs and discussion sites. The office also received a written complaint from a consumer who did not know why her cell phone bills included a fee for a horoscope subscription. Selis said the office’s investigation showed that Tatto’s promo included a string of teasers . The Attorney General’s Office alleged that: ·       Users of social-networking sites including, Facebook and MySpace were shown an ad resembling an e-mail message that suggests someone in their community is interested: “1 New LuvCrush from Seattle!” ·       Clicking on the ad directed users to the MyLuvCrush Web site, found at and A  phony pop-up message on the site proclaimed, for example, “IMPORTANT: YOUR CRUSH FROM SEATTLE IS TRYING TO CONTACT YOU AT THIS VERY MOMENT. FIND OUT WHO NOW.” ·       Users were then taken to a Web page instructing them to enter their cell phone number. The page included an agreement to purchase a $9.99 monthly subscription to the horoscope service. ·       After subscribing, users received a text message with a fictitious name of the alleged crush. Under the Assurance of Discontinuance filed today in King County Superior Court, Tatto Media agrees that it won’t misrepresent that a real person has an existing romantic interest in the computer user or that the computer user will lose the opportunity to learn the identity unless they take action. The company also agrees not to misrepresent the existence of a personal e-mail message or falsely imply that a promotional offer will expire. The company will pay $20,262 to reimburse the state’s attorneys’ fees and costs.
  • Phishing is a technique ID Thieves use to try and get your personal information, credit card information, etc. Thieves will send an email that falsely claims to be from a legitimate organization They will ask for your personal information, credit card information, and so on. The most common phishing emails involves banks and credit unions. A common tactic is to say that your account has been broken into and that you need to verify you are the owner of the account New scams are risen due to FDIC insurance deposit increase. Tip: Don’t click on a link in an email. If you receive an email claiming to be from your bank or credit union – verify by calling them!
  • Dumpster diving is an old low tech method that is still effective Thieves will go digging through trash just to find personal documents Bank account statements, bills, and so on. Shred your documents with a cross cut shredder.
  • Pre-texting is when a scam artists tries to gather your personal information under a false pre-tense. The scammer may say they work for a survey firm and are just taking a poll. Would you please give me your name, phone number, address, gender, age, etc. for polling purposes? Or they may say they work with a bank and are calling to verify your account information. If someone calls you claiming to work for your bank, credit union, or credit card company. Ask for their name and tell them you’ll call the main number and will ask for them.
  • Many ID thieves are also hackers They have the skills necessary to break into your computer or company computers Typically hackers look for weak security or install malcious viruses and keyloggers into software downloads
  • With unemployment numbers on the rise scammers are turning to job recruitment Web sites. On popular job Web sites users are able to post their resume so potential employers can find them Scammers target these individuals and call or email them saying they are interested in interviewing them or offering a job Before they do so, they need their SSN # or other personal information Opt not to provide your SSN # until you have been interviewed and are offered the job.
  • Smishing works like a phishing scam Instead of a being through email, however, they came through text messages on cell phones. Typically they say you have subscribed to something and that you need to cancel by visiting a web site Or texting back personal information. Never provide information to unsolicitied emails, phone calls or text messages
  • Another scam to watch out for this year is wireless hacking With more and more homes utilizing wireless networks for their computers Hackers and scammers are finding ways to break in to unsecured networks They drive around neighborhoods looking for unsecured networks Once they break into your network they can access your files and install software that captures your every move online Make sure your network is secured. Consult your router/firewall documentation. Or contact your internet provider for more information.
  • Skimming devices are devices that are installed to capture your credit/debit information These devices are popping up at local retails stores, atm machines, and gas stations. In WA we’ve seen an increase in the past few years of gas station skimmers. Walk through skimming device slides.
  • There are now ATM skimmers with SMS notification . ATM skimmers are placed over real ATM slots and the information off the cards as they’re inserted. The new models will send the skimmed information via SMS notifications to a phone that’s attached to a computer. This solves the problem of scammers needing to retrieve their skimmers without attracting the attention of police. Look for anything out of place or new. Avoid using ATMs you’re not familiar with. Try using the cash back feature when you go shopping – buy breath mints and get cash back.
  • With the current economy, credit has and will tighten. Thieves will target those with poor credit scores with credit offers. There will be offers to consolidate debt or to renegotiate interest rates. Opt out of pre-screened credit offers!
  • The best thing you can do to thwart id thieves is to keep your personal information personal Protect your personal information as your most prized and cherished pocession Never give out your information to people unsolicited Protect your SSN. Leave your card at home. Better yet lock it up in a safe place with other documents you need to keep private Shred all your documents with a cross cut shredder
  • The best thing you can do to thwart id thieves is to keep your personal information personal Protect your personal information as your most prized and cherished pocession Never give out your information to people unsolicited Protect your SSN. Leave your card at home. Better yet lock it up in a safe place with other documents you need to keep private Shred all your documents with a cross cut shredder
  • In addition to securing your personal information you need to secure your computer Make sure all of your virus softare and operating system are up to date. If you are using Microsoft windows check to make sure all of the security patches have been installed Frequently use and update your anti virus software Make sure your home computer network is secure Use strong passwords and update them frequently
  • Stop the solicitors. This will cut down on the junk mail and pre-screened credit offers This will also help prevent id theft. Opt out of Junk Mail at Stop telemarketers by registering for the do not call registyr
  • If someone steals your id and starts taking out credit in your name you might not even know about it until it’s too late Monitor your credit report frequently If you notice any errors report them immediately
  • If you suspect you’re a victim of ID theft contact your financial institution. Ask them to close the account in question. Place a fraud alert on your credit reports. Contact each of the 3 major credit bureaus. A fraud alert notifies credit grantors to call you before issuing new credit in your name. Fraud alert lasts 90 days can be extended to 7 years
  • Next file a police report. Filing is a police report is a critical step as it puts it on record that you are a victim of a crime Also file a complaint with the attorney generals office. The attorney generals office will help advise you and may be able to take legal action. Finally consider a security freeze.
  • A security freeze gives consumers the choice to “freeze” or lock access to their credit file against anyone trying to open up a new account or to get new credit in their name. A credit freeze stops potential creditors from viewing a credit file. A freeze is not 100 percent fail-safe as some creditors can and will issue credit without pulling a credit report. Firms that you have an existing business relationship with will be able to pull a report despite the freeze and your information may be released for the purpose of prescreening for credit offers. Security freeze are free to victims of ID theft and adults aged 65 or older. Security freezes generally last until you lift them.
  • New as of Sept 1, 2008 you can request a temporary thaw. You can request a 15 minute thaw.
  • Identity Theft PowerPoint

    1. 1. Who’s in YOUR Wallet? Identity Theft Make the right moves to protect yourself
    2. 2. Who’s Been A Victim Of ID Theft?
    3. 3. Inside ID Thieves Toolkits
    4. 4. Phishing Make The Right Move: Don’t Click Links In Unsolicited E-Mails
    5. 5. Dumpster Diving Make The Right Move: Shred Your Documents
    6. 6. Pre-Texting Make The Right Move: Never Give Out Personal Information Unsolicited
    7. 7. Hacking Make The Right Move: Secure Your Computer
    8. 8. 5 Scams To Watch Out For In 2009
    9. 9. 1) Job Recruitment Scams
    10. 10. 2) Smishing
    11. 11. 3) Wireless Hacking
    12. 12. 4) Skimming Devices
    13. 13. 4) Skimming Devices
    14. 14. 4) Skimming Devices
    15. 15. 5) Credit Scams
    16. 16. Stop ID Thieves
    17. 17. Protect Your Personal Information <ul><li>Never Give Out Information Unsolicited </li></ul><ul><li>Protect Your SSN (Leave Card At Home) </li></ul><ul><li>Store Documents In A Safe Place </li></ul><ul><li>Shred Documents & Mail (Cross-Cut) </li></ul>
    18. 18. Secure Your Computer <ul><li>Make Sure Operating System Security Patches Are Up To Date </li></ul><ul><li>Use Anti-Virus & Firewall -- Update your virus definitions </li></ul><ul><li>Make Sure Your Network Is Secured -- Wireless security settings </li></ul><ul><li>Use Strong Passwords – Change Frequently </li></ul>
    19. 19. Stop The Solicitors! <ul><li>Opt Out Of Junk Mail or 1–888–567–8688 </li></ul><ul><li>Stop Telemarketers https:// / </li></ul>
    20. 20. Monitor Your Credit Report <ul><li>Request Your Free Credit Report 1 a year from each of the 3 bureaus </li></ul><ul><li>If You Notice An Error On The Report Contact and dispute it with the credit reporting agency right away! </li></ul>
    21. 21. What To Do If You’re A Victim <ul><li>Contact your Financial Institution. </li></ul><ul><li>Close the account. </li></ul><ul><li>Place a fraud alert on your credit reports . </li></ul><ul><ul><li>Equifax: 1-800-525-6285 </li></ul></ul><ul><ul><li>Experian: 1-888-EXPERIAN </li></ul></ul><ul><ul><li>TransUnion: 1-800-680-7289 </li></ul></ul>
    22. 22. What To Do If You’re A Victim <ul><li>File A Police Report </li></ul><ul><li>File A Complaint </li></ul><ul><ul><li>AG’s Office: </li></ul></ul><ul><li>Possibly – Request A Security Freeze </li></ul>
    23. 23. Security Freezes <ul><li>Identity theft victims and adults ages 65 and older are able to place a freeze for free.  </li></ul><ul><ul><li>Consumers who aren't entitled to a  free freeze pay up to $10 per bureau. </li></ul></ul><ul><li>As of  Sept. 1, 2008, anyone can request a security freeze. </li></ul><ul><ul><li>Requesting A Freeze http:// </li></ul></ul>
    24. 24. Security Freeze “Thaw” <ul><li>Request a 15-Minute Thaw </li></ul><ul><ul><li>Contact each CRA </li></ul></ul><ul><ul><li>Provide proper identification </li></ul></ul><ul><ul><li>Provide your PIN or Password </li></ul></ul><ul><ul><li>Set the temporary time period when your credit report may be viewed </li></ul></ul>
    25. 25. Students Who May Be Victims <ul><li>Office of Crime Victims Advocacy </li></ul><ul><ul><li>Voice within government for the needs of crime victims in Washington State </li></ul></ul><ul><ul><li>(800) 822-1067 Hotline </li></ul></ul><ul><ul><li> </li></ul></ul>