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Identity Theft Test


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Identity Theft Test

  2. 2. What is Identity Theft? <ul><li>Someone uses your name or personal information to </li></ul><ul><ul><li>Open credit card accounts or use existing accounts </li></ul></ul><ul><ul><li>Take out a loan </li></ul></ul><ul><ul><li>Make a major purchase </li></ul></ul><ul><ul><li>Access bank accounts </li></ul></ul><ul><ul><li>File fraudulent tax returns </li></ul></ul><ul><ul><li>Or even commit a crime! </li></ul></ul>
  3. 3. 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
  4. 4. More Statistics <ul><li>Many victims don’t even know. The average time to find out you’ve been victimized is 15 months ! </li></ul><ul><li>Unfortunately, many identity theft related crimes go unreported. </li></ul><ul><li>California ranks #1 for ID theft crimes, Texas is 2nd, followed by New York and Florida. </li></ul>
  5. 5. Alabama the Beautiful <ul><li>In Alabama - </li></ul><ul><li>2,216 ID Theft complaints in 2004 </li></ul><ul><ul><li>#1 - Credit Card fraud </li></ul></ul><ul><ul><li>#2 – Phone/Utilities fraud </li></ul></ul><ul><ul><li>#3 – Bank fraud </li></ul></ul><ul><li>Top cities </li></ul><ul><ul><li>Birmingham </li></ul></ul><ul><ul><li>Mobile </li></ul></ul><ul><ul><li>Montgomery </li></ul></ul>
  6. 6. Are you at risk? Test your “Identity Quotient”: Take the test & see what your score means.
  7. 7. <ul><li> 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) </li></ul> You carry your Social Security Card in your wallet. (10 points)
  8. 8. <ul><ul><ul><ul><li> Your Driver’s License has your SSN printed on it and you have not contacted the DMV to request a new license. (10 points) </li></ul></ul></ul></ul> You do not have a PO Box or a locked, secured mailbox. (5 points)
  9. 9. <ul><li> You drop off your outgoing mail at an open, unlocked box or basket. (10 points) </li></ul> You carry your military ID in your wallet at all times. (10 points)
  10. 10. <ul><li> You do not shred or tear banking and credit information when you throw it in the trash. (10 points) </li></ul><ul><li> You provide your Social Security number (SSN) whenever asked. (10 points) </li></ul><ul><ul><li>Add (5 points) if you provide it orally without checking to see who might be listening. </li></ul></ul>
  11. 11. <ul><li> You are required to use your SSN as an employee ID or at college as a student ID number. (5 points) </li></ul> Your SSN is printed on an employee badge you wear at work. (10 points)
  12. 12. <ul><li> Your SSN or Driver’s License Number is printed on your personal checks. (10 points) </li></ul> You are listed in a “Who’s Who” Guide. (5 points)
  13. 13. <ul><li> You carry your insurance card in your wallet and it contains your SSN or your spouse’s SSN. </li></ul><ul><li>(10 points) </li></ul> You have not ordered a copy of your credit report for at least two years. (20 points)
  14. 14. <ul><li> You do not believe that people would root around in your trash looking for credit or financial information. (10 points) </li></ul>
  15. 15. What your score means: <ul><li>100+ points: You are at high risk. You should purchase a paper shredder, become more security aware in document handling. </li></ul><ul><li>50-100 points: Your odds of being victimized are about average ; higher if you have good credit. </li></ul><ul><li>0-50 points: Congratulations. You have a high security “IQ”. Keep up the good work! </li></ul>
  16. 16. How the Thief Works… <ul><li>By stealing wallets & purses containing your information & credit & bank cards. </li></ul><ul><li>Stealing your mail. </li></ul><ul><li>Looking through your trash & retrieving discarded bills or credit applications (dumpster diving). </li></ul><ul><li>Completing a “change of address” form, and having your mail forwarded to them. </li></ul>
  17. 17. Thieves also… <ul><li>Say they work for a bank or credit reporting agency when they ask for your SSN over the phone. </li></ul><ul><li>Pose as landlords, lawyers, or other officials who have authority to access your information. </li></ul><ul><li>Use personal information you share on the internet. </li></ul>
  18. 18. How they use your information: <ul><li>They use your information to establish a new ID and pretend to be you. </li></ul><ul><li>They open utility (phone, cell phone) accounts in your name. </li></ul><ul><li>They open bank accounts and write bad checks. </li></ul><ul><li>They file bankruptcy under your name to avoid eviction or payment of any new debt occurred. </li></ul>
  19. 19. <ul><li>They counterfeit checks or debit cards, and drain your bank account. </li></ul><ul><li>They buy cars by taking out auto loans in your name. </li></ul><ul><li>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. </li></ul>
  20. 20. Guard Personal Info <ul><li>ATM Card </li></ul><ul><li>Bank Account Info </li></ul><ul><li>Bills </li></ul><ul><li>Calling Card </li></ul><ul><li>Checks </li></ul><ul><li>Credit & Debit Cards </li></ul><ul><li>Credit Report </li></ul><ul><li>Name & Address Passwords </li></ul><ul><li>Personnel Records </li></ul><ul><li>Pre-approved credit card offers </li></ul>
  21. 21. Social Security Number <ul><li>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. </li></ul><ul><li>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. </li></ul><ul><li>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.) </li></ul>
  22. 22. Minimize your Risk <ul><li>Carry ONLY the ID and credit/debit card that you need. </li></ul><ul><li>Don’t carry your SS card. </li></ul><ul><li>Give your SSN only when absolutely necessary. </li></ul><ul><li>Try to memorize passwords; don’t keep them in your wallet. </li></ul><ul><li>Don’t use obvious codes for PIN numbers. (Birthday, last 4 digits of SS or phone #) </li></ul><ul><li>Don’t give out personal info over the phone. </li></ul>
  23. 23. <ul><li>Guard your mail & trash. </li></ul><ul><li>Use a shredder. </li></ul><ul><li>Never leave receipts behind. </li></ul><ul><li>Keep your eye on the cashier. </li></ul><ul><li>Pay attention during transactions. </li></ul><ul><li>Be aware of “shoulder surfers”. </li></ul><ul><li>Don’t make purchases from unsecured internet sites. </li></ul><ul><li>Turn your computer off when not in use. </li></ul>
  24. 24. What if I become a victim?
  25. 25. <ul><li>File a police report & contact the Federal Trade commission. </li></ul><ul><li>Contact the 3 major credit bureaus and have a fraud alert placed on your account. </li></ul><ul><li>Contact creditors where fraudulent accounts were opened, or where fraudulent charges were made. </li></ul>Take action!!!!!
  26. 26. Why file a police report? <ul><li>To get a criminal investigation started. </li></ul><ul><li>Provide some assurance to your creditors that this is a real crime, not to avoid payment. </li></ul><ul><li>Creditors often require a copy of the police report for challenged accounts and charges. </li></ul>
  27. 27. Why contact the FTC? <ul><li>Information is entered into the Consumer Sentinel database, and may assist law enforcement in other jurisdictions on related matters. </li></ul><ul><li>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. </li></ul>
  28. 28. Contact the credit bureaus… <ul><li>Equifax </li></ul><ul><ul><li>1-800-525-6285 </li></ul></ul><ul><ul><li>Experian </li></ul></ul><ul><ul><li>1-888-397-3742 </li></ul></ul><ul><ul><li>TransUnion </li></ul></ul><ul><ul><li>1-800-680-7289 </li></ul></ul>
  29. 29. 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
  30. 30. It’s the law… <ul><li>Identity Theft & Assumption Deterrence Act of 1998 (Federal law enacted by Congress making identity theft a crime) </li></ul><ul><li>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 </li></ul><ul><li>Alabama Code §13A-8-190 through 201 </li></ul>
  31. 31. FACT Act Effective in Alabama 6/1/05 <ul><li>Allows consumers one free credit report each year from each agency </li></ul><ul><li>Requires creditors who lent money in your name to an ID Thief help you clear your name </li></ul><ul><li>Creates one place where you can have a fraud alert placed on your credit history that will be honored across America </li></ul>
  32. 32. What can you do to avoid becoming a victim of identity theft?
  33. 33. Secure Your Mail <ul><li>Pick up your mail daily. </li></ul><ul><li>Have mail held at the Post office if you are going out of town. </li></ul><ul><li>Shred pre-approved credit card offers before throwing them away. </li></ul><ul><li>Put outgoing mail in a secure receptacle. </li></ul><ul><li>Cut down on unsolicited offers by calling 1-888-567-8688. </li></ul>
  34. 34. Keep Financial Info Private <ul><li>Carry only the credit cards you need. </li></ul><ul><li>Be aware of people around you when using cards and/or checks. </li></ul><ul><li>Limit the information printed on your checks. </li></ul><ul><li>Store blank checks in a secure place. </li></ul><ul><li>Pick up new checks at the bank. </li></ul><ul><li>Be particular about giving out account numbers or other financial info to people. </li></ul>
  35. 35. Know who you’re talking to… <ul><li>Be very careful about giving personal info over the phone. </li></ul><ul><li>Beware of giving your personal info to a person or company that contacts you. </li></ul><ul><li>Ask the caller to give you a number you can call to verify his identity. </li></ul><ul><li>Ask the caller to send you the info in writing. </li></ul><ul><li>To reduce the number of sales calls you receive, register on the National Do Not Call list by calling 1-888-382-1222 or . </li></ul>
  36. 36. Use the Internet carefully… <ul><li>Use only secure websites. </li></ul><ul><li>Always use a credit card when shopping online so you will have the protection of the Fair Credit Billing Act. </li></ul><ul><li>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.) </li></ul>
  37. 37. What are some common types of identity theft? <ul><li>Phishing </li></ul><ul><li>Skimming </li></ul><ul><li>Parents/Kids </li></ul><ul><li>Ex-spouses </li></ul><ul><li>Inside jobs </li></ul><ul><li>Sweepstakes scams </li></ul><ul><li>Housekeepers </li></ul><ul><li>Purse Snatching </li></ul>
  38. 38. For more information, contact: Isaac B. Chappell, Jr. Regional Extension Agent 1702 Noble Street, Suite 108 Anniston, AL 36201 Phone: (256) 237-1621 [email_address]