Identity theft seminar
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Identity theft seminar

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

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

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Identity theft seminar Identity theft seminar Presentation Transcript

  • IDENTITY THEFTWhen bad things happen to your good name Presented By:
  • 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
  • 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
  • How Thieves Get Your Personal Information They Steal it!
  • Information needed to steal your IdentityName EmploymentAddress Past AddressesSocial Security Number Account NumbersTelephone Number Children’s NamesMother’s Maiden Name Family Information
  • Goldmine InformationSocial Security CardBirth CertificatePassportPistol PermitMedical CardsStudent ID w/social Security Number*
  • 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
  • IDENTITY THEFT It can happen to youATM and Skimmers
  • IDENTITY THEFTIt can happen to you
  • IDENTITY THEFT It can happen to you
  • IDENTITY THEFT It can happen to you
  • IDENTITY THEFTIt can happen to you
  • It can happen to youOther methods to obtain information Phishing and Pharming Spy Ware Spoofing, Spamming Vishing Skimming
  • What thieves do:Open credit Card AccountsBuy PropertyOrder MerchandiseBorrow MoneyCommit Criminal ActsFile False Loan ApplicationsDeclare Bankruptcy
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • Resources to assist youExperian: http://www.experian.comEquifax: http://www.equifax.comTransUnion: http://www.transunion.comFree Credit Report: http://www.annualcreditreport.com
  • Questions?