ID THEFT: Protect Yourself! Bill Taylor University of Wyoming Community Development Area Educator The University of Wyomin...
ID theft <ul><li>ID theft criminals use your personal information to apply for credit or government benefits </li></ul><ul...
What can be done with a false ID? <ul><li>Open credit cards, buy goods </li></ul><ul><li>Take out loans </li></ul><ul><li>...
It pays to prevent ID theft  <ul><li>Victims spend an average of 600 hours recovering from ID theft, often over a period o...
Have you ever been the victim of identity fraud? <ul><li>Yes </li></ul><ul><li>No </li></ul>UW Community Development Educa...
Credit card fraud <ul><li>Keep an eye on your credit cards at all times </li></ul><ul><li>Unscrupulous employees might ste...
Dumpster diving <ul><li>Crooks look in garbage cans and elsewhere for discarded credit card statements and receipts to obt...
Phishing <ul><li>A term used for emails that claim to be from your bank, a reputable business or a government agency </li>...
Nigerian letters <ul><li>E-mails that ask recipients to provide their bank account number to help them share in a big pot ...
Are you already a victim? <ul><li>Check your credit report </li></ul><ul><li>Look for </li></ul><ul><ul><li>Accounts you d...
Credit reports <ul><li>Check your credit reports regularly.  </li></ul><ul><li>Free credit reports can be obtained once a ...
Have you obtained your credit report within the last year? <ul><li>Yes </li></ul><ul><li>No </li></ul>UW Community Develop...
Have you found a mistake in your credit report? <ul><li>Yes </li></ul><ul><li>No </li></ul>UW Community Development Educat...
Credit reporting agencies <ul><li>Equifax, 800-525-6285, www.equifax.com </li></ul><ul><li>Experian, 888-397-3742, www.exp...
Free credit reports <ul><li>Annual Credit Report </li></ul><ul><ul><li>www.annualcreditreport.com </li></ul></ul><ul><ul><...
Social Security number (SSN) <ul><li>Memorize your Social Security number (SSN) </li></ul><ul><li>Don’t carry your Social ...
Financial information <ul><li>Check bills, bank and credit card statements </li></ul><ul><ul><li>Report any unauthorized t...
Cards and account numbers <ul><li>Shield ATM keypads when entering passwords </li></ul><ul><li>Memorize your PINs </li></u...
Phone and Internet <ul><li>Don’t answer callers or e-mails asking for personal information </li></ul><ul><ul><li>Remember,...
Marketing <ul><li>Read your bank’s privacy notice  </li></ul><ul><li>Stop or ‘opt out’ of pre-screened credit offers </li>...
Monitor your mail  <ul><li>Missed bills, credit card statements, etc. may signal trouble </li></ul>UW Community Developmen...
Always question … <ul><li>Charges, bills or collection calls that are not yours </li></ul><ul><ul><li>Complain immediately...
Password accounts <ul><li>Place passwords on your credit card, bank and phone accounts </li></ul><ul><li>Don’t use easy-to...
Warning signs of fraud  <ul><li>Be suspicious if you hear </li></ul><ul><ul><li>You’ve won a prize or free gift </li></ul>...
Warning signs of fraud (cont.) <ul><ul><li>You’re asked for personal information </li></ul></ul><ul><ul><li>You’re asked t...
Protect your assets <ul><li>Never </li></ul><ul><ul><li>reveal your financial information to someone who calls you on the ...
Protect your assets (cont.) <ul><li>Financial exploitation is often committed by a person that is trusted by the victim </...
What can you do? <ul><li>Do not give your telephone calling card, credit card, or bank account numbers to strangers by tel...
ID Protection Service <ul><li>Consider subscribing </li></ul><ul><li>Amount of protections varies depending on company </l...
ID Protection Service (cont.) <ul><li>Types of services (cont.) </li></ul><ul><ul><li>Check criminal databases for illegal...
ID theft clean up <ul><li>Document the crime </li></ul><ul><li>File a police report with your local police department </li...
Victims - be watchful <ul><li>Dispute fraudulent accounts immediately </li></ul><ul><ul><li>Close all affected accounts </...
Resources <ul><li>Consumer Action </li></ul><ul><ul><li>www.consumer-action.org </li></ul></ul><ul><ul><li>415-777-9635 </...
Resources (cont.) <ul><li>National Fraud Information Center  (part of National Consumers League) </li></ul><ul><ul><li>www...
Resources (cont.) <ul><li>Wyoming Adult Protective Services </li></ul><ul><ul><li>dfsweb.state.wy.us/aps.htm </li></ul></u...
Resources (cont.) <ul><li>FTC ID Theft Clearinghouse / ID Theft Hotline </li></ul><ul><ul><li>www.ftc.gov/bcp/edu/microsit...
Resources (cont.) <ul><li>Federal Deposit Insurance Corporation </li></ul><ul><ul><li>www.fdic.gov/consumers/theft/index.h...
Questions? The University of Wyoming is an equal opportunity/affirmative action institution.
Upcoming SlideShare
Loading in …5
×

ID Theft

620 views

Published on

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total views
620
On SlideShare
0
From Embeds
0
Number of Embeds
0
Actions
Shares
0
Downloads
3
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

ID Theft

  1. 1. ID THEFT: Protect Yourself! Bill Taylor University of Wyoming Community Development Area Educator The University of Wyoming is an equal opportunity/affirmative action institution.
  2. 2. ID theft <ul><li>ID theft criminals use your personal information to apply for credit or government benefits </li></ul><ul><ul><li>Your name </li></ul></ul><ul><ul><li>Your birth date </li></ul></ul><ul><ul><li>Your Social Security number </li></ul></ul><ul><ul><li>Your address </li></ul></ul><ul><ul><li>Your bank account or credit card numbers </li></ul></ul>UW Community Development Education
  3. 3. What can be done with a false ID? <ul><li>Open credit cards, buy goods </li></ul><ul><li>Take out loans </li></ul><ul><li>Get cell phones </li></ul><ul><li>Open bank accounts </li></ul><ul><li>Seek employment </li></ul><ul><li>Open credit accounts </li></ul><ul><li>Pay bills </li></ul>UW Community Development Education
  4. 4. It pays to prevent ID theft <ul><li>Victims spend an average of 600 hours recovering from ID theft, often over a period of years. </li></ul><ul><li>It is estimated that every victim of ID theft spends $1,400 in out-of-pocket expenses to clear their names </li></ul>UW Community Development Education
  5. 5. Have you ever been the victim of identity fraud? <ul><li>Yes </li></ul><ul><li>No </li></ul>UW Community Development Education
  6. 6. Credit card fraud <ul><li>Keep an eye on your credit cards at all times </li></ul><ul><li>Unscrupulous employees might steal the information from your credit card and use it to make counterfeit cards </li></ul><ul><li>Shred all credit card statements, receipts and solicitations before throwing them away </li></ul>UW Community Development Education
  7. 7. Dumpster diving <ul><li>Crooks look in garbage cans and elsewhere for discarded credit card statements and receipts to obtain the card numbers </li></ul><ul><li>These papers can be used to steal your identity and set up credit in your name </li></ul><ul><li>Shred sensitive papers </li></ul>UW Community Development Education
  8. 8. Phishing <ul><li>A term used for emails that claim to be from your bank, a reputable business or a government agency </li></ul><ul><li>Criminals ask for personal information such as Social Security numbers or account numbers to steal funds and/or steal identities </li></ul>UW Community Development Education
  9. 9. Nigerian letters <ul><li>E-mails that ask recipients to provide their bank account number to help them share in a big pot of money </li></ul><ul><li>If you respond to these letters you will lose your money </li></ul>UW Community Development Education
  10. 10. Are you already a victim? <ul><li>Check your credit report </li></ul><ul><li>Look for </li></ul><ul><ul><li>Accounts you don’t recognize </li></ul></ul><ul><ul><li>Inaccurate information </li></ul></ul>UW Community Development Education
  11. 11. Credit reports <ul><li>Check your credit reports regularly. </li></ul><ul><li>Free credit reports can be obtained once a year from each of the 3 credit reporting agencies </li></ul>UW Community Development Education
  12. 12. Have you obtained your credit report within the last year? <ul><li>Yes </li></ul><ul><li>No </li></ul>UW Community Development Education
  13. 13. Have you found a mistake in your credit report? <ul><li>Yes </li></ul><ul><li>No </li></ul>UW Community Development Education
  14. 14. Credit reporting agencies <ul><li>Equifax, 800-525-6285, www.equifax.com </li></ul><ul><li>Experian, 888-397-3742, www.experian.com </li></ul><ul><li>TransUnion, 800-680-7289, www.transunion.com </li></ul>UW Community Development Education
  15. 15. Free credit reports <ul><li>Annual Credit Report </li></ul><ul><ul><li>www.annualcreditreport.com </li></ul></ul><ul><ul><li>(877) 322-8228 </li></ul></ul><ul><ul><li>Annual Credit Report, Request Service, PO Box 105281, Atlanta, GA 30348-5281 </li></ul></ul>UW Community Development Education
  16. 16. Social Security number (SSN) <ul><li>Memorize your Social Security number (SSN) </li></ul><ul><li>Don’t carry your Social Security card </li></ul><ul><li>Don’t print your SSN on your driver’s license or bank checks </li></ul><ul><li>Keep all papers listing your SSN hidden or locked away </li></ul><ul><li>Shred all documents with SSNs before you throw them away </li></ul>UW Community Development Education
  17. 17. Financial information <ul><li>Check bills, bank and credit card statements </li></ul><ul><ul><li>Report any unauthorized transactions immediately </li></ul></ul><ul><li>Track statements, new credit cards or check orders in the mail </li></ul><ul><li>Call the companies immediately if you notice </li></ul><ul><ul><li>Unauthorized transactions </li></ul></ul><ul><ul><li>Missing credit cards or checks </li></ul></ul>UW Community Development Education
  18. 18. Cards and account numbers <ul><li>Shield ATM keypads when entering passwords </li></ul><ul><li>Memorize your PINs </li></ul><ul><li>Watch your cards while they are with sales clerks or waiters </li></ul><ul><li>Lock your own mailbox </li></ul><ul><ul><li>Use US post boxes for outgoing mail that contains account numbers </li></ul></ul>UW Community Development Education
  19. 19. Phone and Internet <ul><li>Don’t answer callers or e-mails asking for personal information </li></ul><ul><ul><li>Remember, you may be overheard on a cell phone </li></ul></ul><ul><li>Always make sure you are dealing with reputable companies </li></ul>UW Community Development Education
  20. 20. Marketing <ul><li>Read your bank’s privacy notice </li></ul><ul><li>Stop or ‘opt out’ of pre-screened credit offers </li></ul><ul><ul><li>(888) 5OPT-OUT </li></ul></ul>UW Community Development Education
  21. 21. Monitor your mail <ul><li>Missed bills, credit card statements, etc. may signal trouble </li></ul>UW Community Development Education
  22. 22. Always question … <ul><li>Charges, bills or collection calls that are not yours </li></ul><ul><ul><li>Complain immediately </li></ul></ul><ul><li>Denials of credit when you have good credit </li></ul><ul><ul><li>Get a free copy of the credit report used to make the decision </li></ul></ul><ul><ul><li>Check for mistakes or fraud </li></ul></ul>UW Community Development Education
  23. 23. Password accounts <ul><li>Place passwords on your credit card, bank and phone accounts </li></ul><ul><li>Don’t use easy-to-guess names and numbers </li></ul><ul><li>Ask businesses not to use SSN or mother’s maiden name </li></ul>UW Community Development Education
  24. 24. Warning signs of fraud <ul><li>Be suspicious if you hear </li></ul><ul><ul><li>You’ve won a prize or free gift </li></ul></ul><ul><ul><li>You’ve been selected to receive a special offer </li></ul></ul><ul><ul><li>You must act immediately or lose out </li></ul></ul><ul><ul><li>You must pay for shipping your prize or free gift </li></ul></ul><ul><ul><li>You must give your credit card number and expiration date to verify that you are a credit cardholder </li></ul></ul>UW Community Development Education
  25. 25. Warning signs of fraud (cont.) <ul><ul><li>You’re asked for personal information </li></ul></ul><ul><ul><li>You’re asked to donate to an agency whose name sounds like a well known charity </li></ul></ul><ul><ul><li>You’re one of only a chosen few to receive this offer </li></ul></ul><ul><ul><li>A courier will come to your home to get your payment </li></ul></ul><ul><ul><li>Little risk and large, short term profits </li></ul></ul>UW Community Development Education
  26. 26. Protect your assets <ul><li>Never </li></ul><ul><ul><li>reveal your financial information to someone who calls you on the phone </li></ul></ul><ul><ul><li>allow strangers to come into your home </li></ul></ul><ul><ul><li>believe that a stranger will use your money for a good purpose </li></ul></ul><ul><ul><li>assign power of attorney to people you don’t know very well </li></ul></ul><ul><ul><li>sign contracts that have any blank lines in them </li></ul></ul>UW Community Development Education
  27. 27. Protect your assets (cont.) <ul><li>Financial exploitation is often committed by a person that is trusted by the victim </li></ul><ul><li>Keep all important financial documents under lock and key in your home </li></ul><ul><li>Store valuables in a bank safe deposit box </li></ul>UW Community Development Education
  28. 28. What can you do? <ul><li>Do not give your telephone calling card, credit card, or bank account numbers to strangers by telephone or mail unless you initiated the order for goods or services. </li></ul><ul><li>Do not be pressured by salespeople into buying NOW . </li></ul><ul><li>Do not pay to receive a free gift. </li></ul><ul><li>Shut the door. Hang up the phone. </li></ul>UW Community Development Education
  29. 29. ID Protection Service <ul><li>Consider subscribing </li></ul><ul><li>Amount of protections varies depending on company </li></ul><ul><li>Types of services </li></ul><ul><ul><li>Request credit reports and request a fraud alert for each </li></ul></ul><ul><ul><li>Remove you from preapproved credit card offers </li></ul></ul>UW Community Development Education
  30. 30. ID Protection Service (cont.) <ul><li>Types of services (cont.) </li></ul><ul><ul><li>Check criminal databases for illegal activity attached to your name </li></ul></ul><ul><ul><li>Monitor any address changes attached to your name </li></ul></ul><ul><ul><li>Assist with lost or stolen wallet </li></ul></ul><ul><ul><li>Legal assistance </li></ul></ul><ul><ul><li>Liability insurance (for fraudulent charges and expenses to recover identity) </li></ul></ul>UW Community Development Education
  31. 31. ID theft clean up <ul><li>Document the crime </li></ul><ul><li>File a police report with your local police department </li></ul><ul><ul><li>Get a copy of the police report </li></ul></ul><ul><li>Contact appropriate state and federal law enforcement agencies </li></ul><ul><li>Complete a free ID Theft Affidavit from the FTC </li></ul><ul><ul><li>www.ftc.gov/idtheft </li></ul></ul>UW Community Development Education
  32. 32. Victims - be watchful <ul><li>Dispute fraudulent accounts immediately </li></ul><ul><ul><li>Close all affected accounts </li></ul></ul><ul><ul><li>Follow up your phone call with a written request </li></ul></ul><ul><li>Get letters stating disputed accounts have been closed </li></ul><ul><li>Create new passwords for all of your accounts </li></ul><ul><ul><li>Avoid easy-to-guess passwords </li></ul></ul>UW Community Development Education
  33. 33. Resources <ul><li>Consumer Action </li></ul><ul><ul><li>www.consumer-action.org </li></ul></ul><ul><ul><li>415-777-9635 </li></ul></ul><ul><li>Identity Theft Resource Center </li></ul><ul><ul><li>www.idtheftcenter.org </li></ul></ul><ul><ul><li>858-693-7935 </li></ul></ul><ul><li>National Consumers League </li></ul><ul><ul><li>www.nclnet.org/ </li></ul></ul><ul><ul><li>202-835-3323 </li></ul></ul>UW Community Development Education
  34. 34. Resources (cont.) <ul><li>National Fraud Information Center (part of National Consumers League) </li></ul><ul><ul><li>www.fraud.org </li></ul></ul><ul><li>Privacy Rights Clearinghouse </li></ul><ul><ul><li>www.privacyrights.org/identity.htm </li></ul></ul><ul><ul><li>619-298-5681 </li></ul></ul><ul><li>Wyoming Attorney General </li></ul><ul><ul><li>attorneygeneral.state.wy.us </li></ul></ul><ul><ul><li>307-777-7841 </li></ul></ul><ul><li>AARP </li></ul><ul><ul><li>www.aarp.org/ </li></ul></ul><ul><ul><li>888-687-2277 </li></ul></ul>UW Community Development Education
  35. 35. Resources (cont.) <ul><li>Wyoming Adult Protective Services </li></ul><ul><ul><li>dfsweb.state.wy.us/aps.htm </li></ul></ul><ul><ul><li>307-777-3602 </li></ul></ul><ul><li>North American Securities Association </li></ul><ul><ul><li>www.nasaa.org/home/index.cfm </li></ul></ul><ul><ul><li>202-737-0900 </li></ul></ul><ul><li>National Association of Attorneys General </li></ul><ul><ul><li>202-326-6040 </li></ul></ul>UW Community Development Education
  36. 36. Resources (cont.) <ul><li>FTC ID Theft Clearinghouse / ID Theft Hotline </li></ul><ul><ul><li>www.ftc.gov/bcp/edu/microsites/idtheft/ </li></ul></ul><ul><li>US Department of Justice </li></ul><ul><ul><li>www.usdoj.gov/ </li></ul></ul><ul><ul><li>202-514-2000 </li></ul></ul><ul><li>Federal Bureau of Investigation </li></ul><ul><ul><li>www.sfbi.gov/; denver.fbi.gov </li></ul></ul><ul><ul><li>307-772-2380 </li></ul></ul>UW Community Development Education
  37. 37. Resources (cont.) <ul><li>Federal Deposit Insurance Corporation </li></ul><ul><ul><li>www.fdic.gov/consumers/theft/index.html </li></ul></ul><ul><ul><li>877-275-3342 </li></ul></ul><ul><li>United States Postal Inspection Service </li></ul><ul><ul><li>Postalinspectors.uspis.gov/ </li></ul></ul><ul><ul><li>800-372-8347 </li></ul></ul><ul><li>United States Secret Service </li></ul><ul><ul><li>www.secretservice.gov/ </li></ul></ul><ul><ul><li>307-772-2380 </li></ul></ul>UW Community Development Education
  38. 38. Questions? The University of Wyoming is an equal opportunity/affirmative action institution.

×