December is Identity Theft Prevention and Awareness Month - Identity theft is a serious crime. This is the month to educate yourself on how to prevent identity theft. Join us for an important webinar with staff members from the SC Department of Consumer Affairs on how to prevent ID theft and know what to do if it happens to you. Open to library staff, state government employees, general public.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
Dr. Barbara O'Neill and Carol Kando-Pineda, of the Federal Trade Commission, will present this 90-minute webinar on behalf of the Military Families Learning Network. This 90-minute webinar will include two sections: a general overview of identity theft and discussion about military-specific scams. Topics covered during the first section, presented by Dr. O’Neill, include a definition of identity theft, signs of identity theft, an identity theft risk assessment quiz, types of identity theft, how identity theft occurs, ways to reduce identity theft risk, phishing scams, proactive and reactive identity theft actions, and identity theft resources. Ms. Kando-Pineda plans to discuss getting help for identity theft victims, including the steps they need to take immediately, walking through the new features for consumers on Identitytheft.gov and how they help victims develop a recovery plan, get a heads-up on the latest “imposter” scams, and an update on the Military Consumer campaign and new resources on the way for the military community.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
Dr. Barbara O'Neill and Carol Kando-Pineda, of the Federal Trade Commission, will present this 90-minute webinar on behalf of the Military Families Learning Network. This 90-minute webinar will include two sections: a general overview of identity theft and discussion about military-specific scams. Topics covered during the first section, presented by Dr. O’Neill, include a definition of identity theft, signs of identity theft, an identity theft risk assessment quiz, types of identity theft, how identity theft occurs, ways to reduce identity theft risk, phishing scams, proactive and reactive identity theft actions, and identity theft resources. Ms. Kando-Pineda plans to discuss getting help for identity theft victims, including the steps they need to take immediately, walking through the new features for consumers on Identitytheft.gov and how they help victims develop a recovery plan, get a heads-up on the latest “imposter” scams, and an update on the Military Consumer campaign and new resources on the way for the military community.
This was a presentation by Hewie Poplock on Tuesday, November 15th, 2016 in the Goodwill Manasota (FL) Ranch Lake Community Room, "How to Avoid Identity Theft".
A victim of identity theft himself, Hewie will provide examples of how ID theft can happen as well as suggestions and precautions on how to prevent you and your family from becoming victims of identity theft yourselves. Topics covered included:
• What is Identity Theft
• How ID Theft Happens
• How to Protect Yourself
• Phishing
• Data Breaches
• Facebook Spoofing
• Skimmers
• Security Freeze
• On Line Shopping Safety
• Credit Card Chips
• What to Do If You are a Victim
Hewie is a former teacher, college instructor, business owner and manager, IT Manager, and web designer. He is currently semi-retired, but is active in technology user groups and frequently speaks to and teaches groups who are mostly seniors. He holds a monthly Windows Special Interest Group for a group in Orlando and has several videos on YouTube. He is an active member of The Sarasota Technology User Group.
Identity theft is the #1 consumer complaint filed with the Federal Trade Commission for 14 consecutive years. All age and socio-economic groups are affected by Identity theft. This problem is affecting a younger demographic, affecting the workplace productivity of their parents.
Watch this presentation, get educated, and find out how you can avoid identity theft.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
1. Arndt, 1979, Towards a concept of domesticated markets
2. Jaworski et al, 2000, Market-driven vs. driving markets
3. Day, 1981, Strategic market analysis and definition
4. Caldwell et al, 2005, Promoting competitive markets
This was a presentation by Hewie Poplock on Tuesday, November 15th, 2016 in the Goodwill Manasota (FL) Ranch Lake Community Room, "How to Avoid Identity Theft".
A victim of identity theft himself, Hewie will provide examples of how ID theft can happen as well as suggestions and precautions on how to prevent you and your family from becoming victims of identity theft yourselves. Topics covered included:
• What is Identity Theft
• How ID Theft Happens
• How to Protect Yourself
• Phishing
• Data Breaches
• Facebook Spoofing
• Skimmers
• Security Freeze
• On Line Shopping Safety
• Credit Card Chips
• What to Do If You are a Victim
Hewie is a former teacher, college instructor, business owner and manager, IT Manager, and web designer. He is currently semi-retired, but is active in technology user groups and frequently speaks to and teaches groups who are mostly seniors. He holds a monthly Windows Special Interest Group for a group in Orlando and has several videos on YouTube. He is an active member of The Sarasota Technology User Group.
Identity theft is the #1 consumer complaint filed with the Federal Trade Commission for 14 consecutive years. All age and socio-economic groups are affected by Identity theft. This problem is affecting a younger demographic, affecting the workplace productivity of their parents.
Watch this presentation, get educated, and find out how you can avoid identity theft.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
1. Arndt, 1979, Towards a concept of domesticated markets
2. Jaworski et al, 2000, Market-driven vs. driving markets
3. Day, 1981, Strategic market analysis and definition
4. Caldwell et al, 2005, Promoting competitive markets
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company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The Public Library as Innovator: Statewide Partnership for Economic Development (presented at PLA)
Workforce woes and economic adversity: The local public library is there, both as sufferer and as remedy. Collaboration is imperative in such a climate! The South Carolina State Library has brought libraries to the table with workforce development specialists and small business support agencies, resulting in replicable innovative programs and web resources that spur local economic development and promote library sustainability. Learn how to make your library a "solution institution!"
Benefits and Learning Objectives
Program participants will learn three key lessons from the South Carolina Business & Workforce Development Initiative (WORKSC): How to incorporate business reference and good community business programming into the everyday mindset of the public library with a special emphasis on the training component; how to partner with business, workforce, literacy and adult education contacts to maximize the library's ability to partner in these areas; and, participants will observe an online portal that supports resources and services for local small businesses and Workforce Development Resources, emphasizing a replicable template, and including free tools to enhance communication, marketing and public relations. Participants will discover how to bring together the interests of rural and urban communities in support of local economic development efforts.
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http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
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1. ID Theft:
Avoiding &
Detecting
Welcome to today’s FREE
Webinar
Sponsored by the
SC State Library and
SC Department of Consumer
Affairs
2. Getting started…
Host/Moderator - Dr. Curtis R.
Rogers, Communications
Director, SC State Library
December ID Theft Prevention Month
www.statelibrary.sc.gov
Recording
Q&A at end of session
contact info:
crogers@statelibrary.sc.gov
803-734-8928
3. Today’s Presenters
Juliana Harris is the Communications
Coordinator for the South Carolina
Department of Consumer Affairs. She
arrived at SCDCA in January 2012 and
has since organized, presented, and
facilitated consumer education
programs. Ms. Harris is the main point
of media contact at SCDCA and is the
creator and distributor of SCDCA press
releases. She also designs and creates
SCDCA’s consumer
publications, including
newsletters, educational and
promotional materials. Juliana is a
recent graduate of the University of
South Carolina having earned her
Bachelor's of Arts in 2010.
4. Donna Backwinkel joined the Department
of Consumer Affairs in November 2004. Her
work as Consumer Services Director has
focused on outreach efforts, staff training
and consumer education. She has
established a Business Liaison position within
the Services Division, providing businesses a
contact for consumer law questions. She
also started the After Hours project to allow
consumers who cannot attend luncheon
and daytime programs a chance to learn
about consumer law in the evening. Prior to
Consumer Affairs, she was an attorney at
the Columbia law firm of Berry
Quackenbush and Stuart. While there, Ms.
Backwinkel served as a trainer for other
attorneys in the area of consumer law, and
she concentrated her practice in this area.
5. ID THEFT
Avoiding and Detecting
Juliana Harris
Communications Coordinator
SC Department of Consumer Affairs
6. THE DEPARTMENT OF CONSUMER AFFAIRS
Department Overview: 5 Divisions
Consumer Services and Education
Advocacy
Administration
Legal
Public Information
Next: ID Theft
7. WHY SHOULD YOU CARE?
FTC’s #1 complaint in 2011 was ID Theft.
Fastest growing white collar crime in the USA.
SC ranks #20 in nation for volume of ID Theft Complaints.
$50 Billion in losses annually.
It can happen to anyone!
Next: What is
it?
8. WHAT IS ID THEFT?
Use of personal identifying information to commit fraud or crime.
FTC estimates that 9 million people are victims of ID Theft every
year.
Next: How?
9. HOW DOES ID THEFT HAPPEN?
Friends & Family
Pretexting
Phishing
Skimming
Pre-Approval Offers
Unscrupulous employees @ businesses with which you have a
relationship
Dumpster Diving
Hacking/Security Breach
Next: Red
Flags
10. RED FLAGS
Mistakes on your financial statements.
Bills don’t arrive on time.
Bills or collection notices for things you never purchased.
Unexpectedly denied a loan.
You don’t get your tax refund and end up owing the IRS.
Next: Top 3
11. TOP 3 IN SC
24% Government Documents or Benefits Fraud
Unlawful use or counterfeit of gov’t issued documents
15% Phone or Utilities Fraud
Obtaining these services with false info
11% Credit Card Fraud
Opening a line of credit with false info
Next: Credit
Report
12. AVOIDING ID THEFT
Dispose of sensitive materials appropriately.
Don’t disclose personal info to someone you
don’t know.
On the phone
Online
Through the mail
Next: Pre-
Screened
13. AVOIDING: OPT OUT OF PRESCREENED CREDIT OFFERS
If you receive pre-screened credit card offers in the mail (based on
your credit data), tear them up after you decide you don’t want to
accept the offer.
To opt out of receiving pre-screened credit card offers, call: 1-888-5-
OPTOUT (1-888-567- 8688).
In addition, you can notify the three major credit bureaus that you do
not want personal information about you shared for promotional
purposes.
Next:
Recordkeepin
g
14. AVOIDING: RELEASING YOUR SSN
Businesses may ask you for your SSN to do a credit check.
Sometimes they want your SSN for general record keeping.
You don’t have to give a business your SSN just because they
ask for it. If someone asks for your SSN, ask the following
questions:
Why do you need my SSN?
How will my SSN be used?
What law requires me to give you my SSN?
What will happen if I don’t give you my SSN?
Next: Online
Banking
15. AVOIDING: ONLINE BANKING SAFETY
Monitor your account regularly.
Don’t login in the library or at your local internet café.
Don’t try to access your account through e-mailed or popup
links, even if they do look like they came from your bank.
Make sure the web address begins with “https”, which means
the server is secure.
Change your password regularly. And don’t share it!
Install firewalls, spyware blockers, and antivirus software.
Next: Info
Compromised
16. INFORMATION COMPROMISE
If you know or suspect that some of your personal identifying
information has been compromised.
Place an initial Fraud Alert on your credit report.
Monitor your financial statements.
Request a free credit report 1-2 months after placing the fraud alert.
Next:
Recovering
17. RECOVERING
• Document all
correspondence.
• It can take many
hours of phone
calls and letters
to repair the
damage.
Next: Security
Freeze
18. SECURITY FREEZE
Stops businesses from accessing your credit report without
your permission
Doesn’t affect existing accounts
Free to place, lift, or thaw
Contact each of the THREE CRAs
Thaw if you want to apply for new credit or services
Remember to monitor your credit report and financial
statements!
Next: Credit
Reports
19. CREDIT REPORTS
How to read them and correct errors.
Donna Backwinkel, Esq.
Director of Consumer Services and Education
SC Department of Consumer Affairs
21. CREDIT REPORT – GENERAL INFORMATION
• Contains information about your credit history, address, place of
employment
• A snapshot taken at a given point in time – may vary from day-
to-day
• Credit score is a numerical value of the information contained in
the report
• Lenders use the score as a predictor of future payment and to
determine if credit will be given, interest rates
• Different formulas for each CRA
22. HOW TO READ THE REPORT
Usually divided into four sections:
• identifying information,
• credit history,
• public records, and
• inquiries
23. IDENTIFYING INFORMATION
• Includes current and previous
addresses, date of birth, telephone
numbers, driver’s license number, employer
and spouse names
• Review carefully – sometimes incorrect
information may indicate attempted or actual
identity theft
24. CREDIT HISTORY
Credit accounts are listed - may be referred to as
trade lines
Name of creditor and account number
When you opened the account
Kind of credit
Individual or joint
Total amount of loan/high credit
How much presently owed
Fixed monthly payment/minimum monthly payment
Status
How well you have paid
25. PUBLIC RECORDS
• Best if this section is blank!
• Financial-related data: bankruptcies, judgments, tax
liens
• Does not include criminal activities or arrests
26. INQUIRIES
Two sections under this heading
“Hard” inquiries – consumer initiates this by
filling out credit application
“Soft” inquiries – companies want to send
promotional information to pre-qualified
groups – or – current creditors who are
monitoring your account
27. REVIEWING YOUR CREDIT REPORT
• Date of last activity: Last payment made or
last charge on the account. If more than 7
years (plus additional time), delete.
• Accuracy of information: amount
owed, when last payment
made, status, payment history
• Is it your debt?
• Any other issues or disputes?
28. CREDIT REPORT REALITY
• No one can remove information that is accurate and
timely
• You can request an investigation of information that
is inaccurate
• You are entitled to a free credit report if you have
been denied credit, insurance or employment based
on an item on your credit report
• Disputes are free
29. CREDIT REPORT TIDBITS
• Lenders generally look at the last two years – they
are looking for trends
• Some estimates show 80% of credit reports have
misinformation
• You are entitled to a free report if negative action has
been taken due to something on report
• The three major credit reporting agencies may have
different information – so your score may be different
at each agency
30. HOW TO DISPUTE
• Send letter to credit reporting agencies as well as
company that provided the information
• Clearly identify yourself – use report ID number, if
available
• Be specific as to inaccuracy
• Explain why it is in error
• State how it needs to be corrected
• Keep copy of letter
31. IF YOUR DISPUTE IS NOT RESOLVED
• You have the right to place information in
your report, 100 words or less, explaining
why you dispute the item
• You can go to court – must be done within
2 years of item appearing on report
32. MONITORING YOUR CREDIT REPORT
Call 877.322.8228 to request your free report; or
Go to annualcreditreport.com
Three free each year (one from each CRA).
Next: Avoid