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Identity Theft Test

Identity Theft Test






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Identity Theft Test Identity Theft Test Presentation Transcript

  • What is Identity Theft?
    • Someone uses your name or personal information to
      • Open credit card accounts or use existing accounts
      • Take out a loan
      • Make a major purchase
      • Access bank accounts
      • File fraudulent tax returns
      • Or even commit a crime!
  • Types of ID Theft 8% Government Benefits Fraud 5% Loan Fraud 13% Employment-related fraud 18% Bank Fraud 19% Phone or Utilities Fraud 28% Credit Card Fraud
  • More Statistics
    • Many victims don’t even know. The average time to find out you’ve been victimized is 15 months !
    • Unfortunately, many identity theft related crimes go unreported.
    • California ranks #1 for ID theft crimes, Texas is 2nd, followed by New York and Florida.
  • Alabama the Beautiful
    • In Alabama -
    • 2,216 ID Theft complaints in 2004
      • #1 - Credit Card fraud
      • #2 – Phone/Utilities fraud
      • #3 – Bank fraud
    • Top cities
      • Birmingham
      • Mobile
      • Montgomery
  • Are you at risk? Test your “Identity Quotient”: Take the test & see what your score means.
    •  You receive offers of pre-approved credit every week (5 points) and, if you decide not to accept, you do not shred them before putting them in the trash. (5 points)
     You carry your Social Security Card in your wallet. (10 points)
          •  Your Driver’s License has your SSN printed on it and you have not contacted the DMV to request a new license. (10 points)
     You do not have a PO Box or a locked, secured mailbox. (5 points)
    •  You drop off your outgoing mail at an open, unlocked box or basket. (10 points)
     You carry your military ID in your wallet at all times. (10 points)
    •  You do not shred or tear banking and credit information when you throw it in the trash. (10 points)
    •  You provide your Social Security number (SSN) whenever asked. (10 points)
      • Add (5 points) if you provide it orally without checking to see who might be listening.
    •  You are required to use your SSN as an employee ID or at college as a student ID number. (5 points)
     Your SSN is printed on an employee badge you wear at work. (10 points)
    •  Your SSN or Driver’s License Number is printed on your personal checks. (10 points)
     You are listed in a “Who’s Who” Guide. (5 points)
    •  You carry your insurance card in your wallet and it contains your SSN or your spouse’s SSN.
    • (10 points)
     You have not ordered a copy of your credit report for at least two years. (20 points)
    •  You do not believe that people would root around in your trash looking for credit or financial information. (10 points)
  • What your score means:
    • 100+ points: You are at high risk. You should purchase a paper shredder, become more security aware in document handling.
    • 50-100 points: Your odds of being victimized are about average ; higher if you have good credit.
    • 0-50 points: Congratulations. You have a high security “IQ”. Keep up the good work!
  • How the Thief Works…
    • By stealing wallets & purses containing your information & credit & bank cards.
    • Stealing your mail.
    • Looking through your trash & retrieving discarded bills or credit applications (dumpster diving).
    • Completing a “change of address” form, and having your mail forwarded to them.
  • Thieves also…
    • Say they work for a bank or credit reporting agency when they ask for your SSN over the phone.
    • Pose as landlords, lawyers, or other officials who have authority to access your information.
    • Use personal information you share on the internet.
  • How they use your information:
    • They use your information to establish a new ID and pretend to be you.
    • They open utility (phone, cell phone) accounts in your name.
    • They open bank accounts and write bad checks.
    • They file bankruptcy under your name to avoid eviction or payment of any new debt occurred.
    • They counterfeit checks or debit cards, and drain your bank account.
    • They buy cars by taking out auto loans in your name.
    • They give your name to police during an arrest. If they don’t show up for their court date, an arrest warrant is issued in your name.
  • Guard Personal Info
    • ATM Card
    • Bank Account Info
    • Bills
    • Calling Card
    • Checks
    • Credit & Debit Cards
    • Credit Report
    • Name & Address Passwords
    • Personnel Records
    • Pre-approved credit card offers
  • Social Security Number
    • Be VERY cautious about giving out your SSN. If someone asks for it, ask why it is needed, what will happen if you don’t give it, etc.
    • Do NOT carry your SS Card in your wallet. Store it in a safe place, and take it out only when you know that you will need it, such as when starting a new job.
    • Do NOT have your SS # printed on your checks or drivers’ license. (For that matter, don’t print your DL number on your checks either.)
  • Minimize your Risk
    • Carry ONLY the ID and credit/debit card that you need.
    • Don’t carry your SS card.
    • Give your SSN only when absolutely necessary.
    • Try to memorize passwords; don’t keep them in your wallet.
    • Don’t use obvious codes for PIN numbers. (Birthday, last 4 digits of SS or phone #)
    • Don’t give out personal info over the phone.
    • Guard your mail & trash.
    • Use a shredder.
    • Never leave receipts behind.
    • Keep your eye on the cashier.
    • Pay attention during transactions.
    • Be aware of “shoulder surfers”.
    • Don’t make purchases from unsecured internet sites.
    • Turn your computer off when not in use.
  • What if I become a victim?
    • File a police report & contact the Federal Trade commission.
    • Contact the 3 major credit bureaus and have a fraud alert placed on your account.
    • Contact creditors where fraudulent accounts were opened, or where fraudulent charges were made.
    Take action!!!!!
  • Why file a police report?
    • To get a criminal investigation started.
    • Provide some assurance to your creditors that this is a real crime, not to avoid payment.
    • Creditors often require a copy of the police report for challenged accounts and charges.
  • Why contact the FTC?
    • Information is entered into the Consumer Sentinel database, and may assist law enforcement in other jurisdictions on related matters.
    • FTC has great information for ID Theft victims on what to do to clear up their credit reports & challenge fraudulent accounts & charges and what legal protections victims may have.
  • Contact the credit bureaus…
    • Equifax
      • 1-800-525-6285
      • Experian
      • 1-888-397-3742
      • TransUnion
      • 1-800-680-7289
  • Federal Trade Commission’s ID Theft Hotline 1-877-438-4338 US Postal Inspection Service 1-800-275-8777 Social Security Administration 1-800-772-1213
  • It’s the law…
    • Identity Theft & Assumption Deterrence Act of 1998 (Federal law enacted by Congress making identity theft a crime)
    • Conviction for ID theft carries a maximum penalty of 15 yrs imprisonment, a fine and forfeiture of any personal property used or intended to be used to commit the crime
    • Alabama Code §13A-8-190 through 201
  • FACT Act Effective in Alabama 6/1/05
    • Allows consumers one free credit report each year from each agency
    • Requires creditors who lent money in your name to an ID Thief help you clear your name
    • Creates one place where you can have a fraud alert placed on your credit history that will be honored across America
  • What can you do to avoid becoming a victim of identity theft?
  • Secure Your Mail
    • Pick up your mail daily.
    • Have mail held at the Post office if you are going out of town.
    • Shred pre-approved credit card offers before throwing them away.
    • Put outgoing mail in a secure receptacle.
    • Cut down on unsolicited offers by calling 1-888-567-8688.
  • Keep Financial Info Private
    • Carry only the credit cards you need.
    • Be aware of people around you when using cards and/or checks.
    • Limit the information printed on your checks.
    • Store blank checks in a secure place.
    • Pick up new checks at the bank.
    • Be particular about giving out account numbers or other financial info to people.
  • Know who you’re talking to…
    • Be very careful about giving personal info over the phone.
    • Beware of giving your personal info to a person or company that contacts you.
    • Ask the caller to give you a number you can call to verify his identity.
    • Ask the caller to send you the info in writing.
    • To reduce the number of sales calls you receive, register on the National Do Not Call list by calling 1-888-382-1222 or www.donotcall.gov .
  • Use the Internet carefully…
    • Use only secure websites.
    • Always use a credit card when shopping online so you will have the protection of the Fair Credit Billing Act.
    • To avoid a victim of “phishing”, be suspicious of any emails you did not solicit which urgently request your info. (Companies you deal with already have that info.)
  • What are some common types of identity theft?
    • Phishing
    • Skimming
    • Parents/Kids
    • Ex-spouses
    • Inside jobs
    • Sweepstakes scams
    • Housekeepers
    • Purse Snatching
  • For more information, contact: Isaac B. Chappell, Jr. Regional Extension Agent 1702 Noble Street, Suite 108 Anniston, AL 36201 Phone: (256) 237-1621 www.aces.edu [email_address]