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Fulcrum Rotary Club- Identity Theft

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Presentation I gave to a local Rotary Club

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Fulcrum Rotary Club- Identity Theft

  1. 1. Network Integration * Security Consultation * DR/BC Planning I AM NOT A TARGET: How to protect yourself from identity theft.
  2. 2. Identity Theft Leverage your people with technology What is identity theft? Basically, using your personal information without your knowledge or permission. Usually name, SS#, credit card. More than technology methods. In 1998, it became a Federal Crime. Why me? Wildebeest…
  3. 3. Numbers Leverage your people with technology A U.S. Citizen has about a 4% chance of being a victim of identity theft. 85 million consumers alerted in the past 15 months. Total one year fraud estimates were at $56.6 billion in 2006. Gas well drillers using more than 2,000 gallons per month of city water will be charged a higher rate.
  4. 4. Action Plan (3 Ds) Leverage your people with technology Deter- protect your information Defend- act as soon as you suspect, document Detect- monitor your statements and audit credit report
  5. 5. Deter <ul><li>Get a shredder for home (dumpster diving) </li></ul><ul><li>Don’t let Credit Cards outside your view (skimmers) </li></ul><ul><li>Locking mailbox/ PO Box </li></ul><ul><li>Protect your SS# (don’t carry SS card in wallet) </li></ul><ul><ul><li>You are allowed to ask- Why need?, How used?, How protect?, What if I don’t? </li></ul></ul><ul><li>Don’t print personal information on checks (DL# or SS#) </li></ul><ul><li>Photocopy both sides of credit cards for records (report theft ASAP to limit liability 2d/$50, 60d/$500) </li></ul><ul><li>Secure your personal information (extra checks, service people, roommates) </li></ul><ul><li>Don’t advertise to people that you are away from home (stop papers, use timers, mail hold) </li></ul><ul><li>Drop outgoing mail at post office </li></ul><ul><li>Don’t give out personal information on the phone (unless you called them) </li></ul><ul><li>Beware false job postings requesting personal information </li></ul><ul><li>Watch newspapers for large scale compromises- no fault of yours (Veterans, Colleges, Employers) </li></ul><ul><li>Don’t send confidential information using wireless or email </li></ul><ul><li>Beware selling old PCs in garage sales (wipe drives) </li></ul><ul><li>Don’t use obvious passwords </li></ul><ul><li>Don’t click links in emails, look real but usually longer URLs are more suspect (downloads, phishing) </li></ul><ul><li>Use firewalls, anti-virus, anti-spyware software, OS updates (updated definitions) </li></ul>Leverage your people with technology
  6. 6. Detect <ul><li>Audit credit card and banking statements (how 50% caught) </li></ul><ul><li>Watch for late bills (possible change of address) </li></ul><ul><li>Watch for unexpected credit cards or statements </li></ul><ul><li>Unexplained credit denials </li></ul><ul><li>Audit credit report once a year (it’s free) </li></ul>Leverage your people with technology
  7. 7. Defend <ul><li>Contact one of 3 major credit bureaus </li></ul><ul><ul><li>Equifax: (800) 525-6285; </li></ul></ul><ul><ul><li>Experian: (888) 397-3742; </li></ul></ul><ul><ul><li>Trans Union: (800) 680-7289. </li></ul></ul><ul><li>Place fraud alert (90 days or 7yr extended), ask them to alert you BEFORE any new accounts opened </li></ul><ul><li>Contact any tampered account creditors in writing and CLOSE. </li></ul><ul><li>Contact FTC (877) 438-4338- Complete ID Theft Affidavit </li></ul><ul><li>Complete a police report- may need to follow-up with police (creditors require report) </li></ul><ul><li>Document- document- document </li></ul>Leverage your people with technology
  8. 8. Summary Leverage your people with technology Identity Theft- Bad Losing Money- Bad Not living in Dallas- Priceless Be proactive in protecting your assets. Research References http://www.idtheftcenter.org/index.shtml http://www.consumer.gov/idtheft/ http://www.privacyrights.org/itrc-quiz1.htm http://www.annualcreditreport.com Fort Worth Star Telegram- (articles last Sat and Sun)
  9. 9. About The Fulcrum Group Leverage your people with technology <ul><li>The Fulcrum Group, Inc. is a Tarrant County based network services company. </li></ul><ul><li>Principals have been in Tarrant over 10 years. </li></ul><ul><li>Like to think that we are small enough to still care about service. </li></ul><ul><li>Our typical client is about 30-50 employees, several servers, either single or no IT person. </li></ul><ul><li>Office: 817-337-0300 </li></ul><ul><li>Cell: 817-966-6990 </li></ul><ul><li>Web: www.fulcrumgroup.net </li></ul><ul><li>Email: [email_address] </li></ul>
  10. 10. Questions Leverage your people with technology The Fulcrum Group, Inc. · 715 Katy Road, Suite 208A, Keller, TX 76248 ?

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