Id Theft Seminar 6


Published on

Published in: Technology, Economy & Finance
  • Be the first to comment

  • Be the first to like this

No Downloads
Total views
On SlideShare
From Embeds
Number of Embeds
Embeds 0
No embeds

No notes for slide

Id Theft Seminar 6

  1. 1. Scary Things You Should Know About Your Privacy and Identity Theft Presented by Diana Midge Coors Credit Union
  2. 2. Common Scams: How to Spot and Stop Them <ul><li>Advance Fee Scams </li></ul><ul><li>You’re a Winner! – Lottery scams </li></ul><ul><li>Internet selling scams – checks for more </li></ul><ul><li>Money-making Schemes </li></ul><ul><li>Bogus Charity </li></ul><ul><li>Almost all scams are sprinkled with Identity Theft </li></ul>
  3. 3. Phishing <ul><li>A bogus email asking you to verify personal information </li></ul><ul><li>False web links are often built into an email </li></ul><ul><li>Mimic a legitimate and reputable company </li></ul><ul><li>Requires a quick response with a persuasive premise </li></ul>
  4. 5. New Phishing Scam!! <ul><li>Victim receives “Urgent” phone call from financial institution </li></ul><ul><li>Asked to call immediately to clear up a problem </li></ul><ul><li>Capitalizes on your panic about your money and account </li></ul><ul><li>Asks you to verify personal information </li></ul>
  5. 6. Pharming Hackers redirect Internet traffic from one website to another identical looking site with Static Domain Spoofing by slightly changing the name. Examples: to to
  6. 7. How Your Personal Information is Obtained <ul><li>Dumpster Diving </li></ul><ul><li>Thieves search trash bins for unshredded credit card and loan applications containing SSN’s, bank and/or credit card statements with account numbers. </li></ul>
  7. 8. Internet Sources Thieves find information via public records sites and fee-based information broker sites, accessing your credit report fraudulently. Example: posing as your employer, landlord or a loan officer. How Your Personal Information is Obtained
  8. 9. Mail Theft Thieves steal newly issued credit cards, check orders, statements, tax or benefit information from unlocked mail. They also look for credit card checks that may be included monthly in statements. How Your Personal Information is Obtained
  9. 10. What Happens to Your Information? <ul><li>Imposters use your personal information to: </li></ul><ul><ul><li>Open new bank and credit accounts in your name </li></ul></ul><ul><ul><li>Max out these accounts and not make payments </li></ul></ul><ul><ul><li>Sell your information to a third party </li></ul></ul><ul><ul><li>Give your information to law enforcement during arrest – criminal ID Theft </li></ul></ul><ul><ul><li>Give your information to receive medical care or services – medical ID Theft </li></ul></ul>
  10. 11. Protect Yourself <ul><li>NEVER </li></ul><ul><li>Give personal information over the phone </li></ul><ul><li>Leave mail in unsecured receptacles </li></ul><ul><li>Print SSN’s and/or Drivers License number on personalized check </li></ul><ul><li>Send personal information via email </li></ul><ul><li>Throw away credit card solicitations or bank statements without shredding </li></ul>
  11. 12. <ul><li>ALWAYS </li></ul><ul><li>Use a secured mail receptacle, post office or electronic Bill Payment service </li></ul><ul><li>Opt out for credit solicitations </li></ul><ul><li>Shred solicitations receipts and other documents with personal information before throwing away </li></ul><ul><li>Use only secured sites when shopping on-line </li></ul><ul><li>Review your credit report once a year </li></ul>Protect Yourself
  12. 13. What to Do if You Are a Victim <ul><li>Contact any credit card companies or financial institutions that may have been compromised </li></ul><ul><li>File a police report </li></ul><ul><li>Fill out an Affidavit of Forgery </li></ul><ul><li>Place a fraud alert on credit report with all 3 credit bureaus </li></ul><ul><li>Notify the DMV and/or SS administration if your license and/or SS card are stolen </li></ul>
  13. 14. Identity Theft Contact Numbers <ul><li>Federal Trade Commission </li></ul><ul><ul><ul><li>Fraud Hotline: 1-877-IDTHEFT (1-877-438-4338) </li></ul></ul></ul><ul><ul><ul><li> </li></ul></ul></ul><ul><li>Social Security Administration </li></ul><ul><ul><ul><li>Fraud Hotline: 1-800-269-0271 </li></ul></ul></ul><ul><ul><ul><li> </li></ul></ul></ul><ul><li>Free Annual Credit Report </li></ul><ul><ul><ul><li> </li></ul></ul></ul>
  14. 15. Credit Bureaus <ul><li>Experian </li></ul><ul><ul><ul><li>Credit Report and Fraud Hotline </li></ul></ul></ul><ul><ul><ul><li>1-888-EXPERIAN (1-888-397- 3742) </li></ul></ul></ul><ul><ul><ul><li> </li></ul></ul></ul><ul><li>Equifax </li></ul><ul><ul><ul><li>Credit Report 1-800-685-1111 </li></ul></ul></ul><ul><ul><ul><li>Fraud Hotline 1-800-525-6285 </li></ul></ul></ul><ul><ul><ul><li> </li></ul></ul></ul><ul><li>TransUnion </li></ul><ul><ul><ul><li>Credit Report 1-800-888-4213 </li></ul></ul></ul><ul><ul><ul><li>Fraud Hotline 1-800-680-7289 </li></ul></ul></ul><ul><ul><ul><li> </li></ul></ul></ul>
  15. 16. Opt Out Numbers <ul><li>Pre-approved credit card offers </li></ul><ul><ul><ul><li>Call: 1-800-5-optout (1-800-567-8688) </li></ul></ul></ul><ul><ul><ul><li> </li></ul></ul></ul><ul><li>Telemarketing </li></ul><ul><ul><ul><li>Call: 1-888-382-1222 </li></ul></ul></ul><ul><ul><ul><li> </li></ul></ul></ul><ul><li>Direct Mail </li></ul><ul><ul><ul><li> </li></ul></ul></ul><ul><li>Email </li></ul><ul><ul><ul><li> </li></ul></ul></ul>