Identity theft seminar

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Presentation given 1/19/12 at Berkeley Public Library.

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Identity theft seminar

  1. 1. IDENTITY THEFTWhen bad things happen to your good name Presented By:
  2. 2. Topics we will discuss:What is ID Theft?Facts and StatisticsHow thieves get the informationand how they use your identityIt can happen to youPreventionTake action if you are a victimResources to assist you
  3. 3. IDENTITY THEFT What is Identity Theft?It occurs when someone steals your personal information – e.g., credit card or Social Security number – and uses itfraudulently It can cost you time and money It can destroy your credit and ruin your good name
  4. 4. How Thieves Get Your Personal Information They Steal it!
  5. 5. Information needed to steal your IdentityName EmploymentAddress Past AddressesSocial Security Number Account NumbersTelephone Number Children’s NamesMother’s Maiden Name Family Information
  6. 6. Goldmine InformationSocial Security CardBirth CertificatePassportPistol PermitMedical CardsStudent ID w/social Security Number*
  7. 7. It can happen to youTraditional methods to obtain informationShoulder SurfingDumpster DivingPre-approved credit card promotionalmaterialSteal your mail or submit a change ofaddress form for your mailPick PocketPurse Snatch
  8. 8. IDENTITY THEFT It can happen to youATM and Skimmers
  9. 9. IDENTITY THEFTIt can happen to you
  10. 10. IDENTITY THEFT It can happen to you
  11. 11. IDENTITY THEFT It can happen to you
  12. 12. IDENTITY THEFTIt can happen to you
  13. 13. It can happen to youOther methods to obtain information Phishing and Pharming Spy Ware Spoofing, Spamming Vishing Skimming
  14. 14. What thieves do:Open credit Card AccountsBuy PropertyOrder MerchandiseBorrow MoneyCommit Criminal ActsFile False Loan ApplicationsDeclare Bankruptcy
  15. 15. Prevention Shred financial documents before discarding them Protect your Social Security number Don’t use obvious passwords Keep your information secure Order a copy of your credit report every year Copy contents of your wallet and keep them safe Don’t give out personal information unless you’re sure whoyou’re dealing with
  16. 16. Computer Prevention Avoid clicking on links sent in unsolicited e-mails Use firewalls, anti-spyware and anti-virus software Be suspicious of malwareVisit www.onGuardOnline.gov for more information
  17. 17. Prevention: Be AlertBe alert – Mail or bills that don’t arrive – Denials of credit for no reasonInspect your credit report – Law entitles you to one free report a year from each nationwide – credit reporting agencies if you ask for it – Online: www.AnnualCreditReport.com; by phone: 1-877-322-8228; – or by mail: Annual Credit Report Request Service, P.O. Box 105281, – Atlanta, GA 30348-5281Inspect your financial statements – Look for charges you didn’t make
  18. 18. Take action if you are a victimFIRST: Contact your creditors – Document and follow up in writingClose accounts that have been tampered with or were openedfraudulently – This includes credit and banking accountsContact your Credit Union
  19. 19. Take ActionTWO: File a police report and get a copy of the report. This willbe a POWERFUL tool – Provide documentation to prove your case – Be persistent
  20. 20. Take Action THREE: Order a copy of your credit report: www.annualcreditreport.com Contact the fraud departments at the credit reporting agencies Equifax – 800-525-6285 Experian – 888-397-3742 TransUnion – 800-680-7289 Place fraud alert on your credit reportYou will automatically receive a free copy of your credit report from each of the credit reporting agencies
  21. 21. Take action: Fraud AlertsInitial fraud alert – Stays on your file for 90 days – A free copy of your credit report from all three bureausExtended fraud alert – Stays on your file for seven years – Have to provide an identity theft report – Two free copies of your credit report from each of the three bureaus in a 12-month period
  22. 22. Take ActionFOUR:File a complaint with the FTC by contacting the FTC’sidentity theft hotline: 1-877-IDTHEFTOr online at: www.ftc.gov/idtheftVerify your address with post office to ensure it has not beenchanged
  23. 23. Resources to assist youFederal Trade Commission:www.ftc.gov/idtheftU.S. Department of Justice:www.justice.gov/criminal/fraud/website/idtheft.htmlThe Internet Crime complaint center www.ic3.gov/default.aspxPrivacy Rights Clearinghouse: http://www.privacyrights.org
  24. 24. Resources to assist youExperian: http://www.experian.comEquifax: http://www.equifax.comTransUnion: http://www.transunion.comFree Credit Report: http://www.annualcreditreport.com
  25. 25. Questions?

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