IDENTITY THEFT_3_

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					  Deter, Detect,
     Defend:
The FTC’s Program on Identity
           Theft
What is Identity Theft?
   When someone else uses your personally
    identifying information without your
    knowledge or permission to
       Obtain Credit Cards
       Get Wireless or phone products, services
       Get Loans and Mortgages
       Obtain Employment
       Avoid Criminal Penalties
       Commit Other Frauds or Crimes
 What Kind of Information Does
   an Identity Thief Need?
 Identity   thieves use:
     Social Security Number
     Name and Address
     Date of Birth
     Mother’s Maiden Name
     Driver’s License
     Credit Card, Bank and other Account
      Numbers
Consequences of Identity Theft
 Identity thief seldom pays bills for debts
  incurred under your name
 You may not discover for months or years
 You are saddled with bad credit report
 Due to bad credit report, you may be denied
  or charged higher rates for new credit, loans,
  mortgages, utility service, or employment
 If criminal record created in your name, you
  may fail background checks for employment,
  firearms, etc., may even spend time in jail
Students Are a Vulnerable Group

Developing financial identity
Targeted age category by ID
 thieves
         Protecting Yourself
Information   How Thieves           Protecting
Source        Work                  Yourself
              Theft                Carry  minimum ID
Your wallet   Skimming             information on you
                                    don’t carry SSN card
                                    change health ins. #, if
                                    possible
                                    Change driver’s license
                                    Pay attention to card
                                    access devices
              “Phishing”Scams      Don’t   give out info. to
You           Social Engineering   uninitiated contacts
              Theft                Secure your info. in your
                                    home and workplace from
                                    others
         Protecting Yourself
Information   How Thieves   Protecting
Source        Work          Yourself
                            Use  locked mailbox
Mail          Theft         Pick up mail promptly,
                            stop delivery on vacations
                            Use postal mailboxes for
                            outgoing mail

Trash         “Dumpster     Shred  personal
                            information
              Diving”       1-888-5-OPTOUT
                 Protecting Yourself
Information          How Thieves          Protecting
Source               Work                 Yourself
Companies or         Theft               Ask   about information
institutions where                        security procedures in
                     Bribery
you’re a customer,                        your workplace and
                     Insidecorruption    businesses where you’re
employee, patient,
                     Pretexting          a client or customer
student, etc.
                     Dumpster Diving     Minimize the use of
                                          your SSN
                                          Put strong passwords
                                          on your accounts
Public records       Most likely find
                     information posted
                     online
                                          ?
 Personal Computer Security

 Keep your anti-virus and anti-spyware software
  updated
 Use a firewall
 Set up security protocols properly if file sharing or
  using Wi-fi
 Use a delete program to wipe your hard drive
  before getting rid of your old computer
 Visit http://onguardonline.gov for more tips.
Know what to do if your information
       gets lost or stolen
 SSNs   – place a fraud alert, check credit
  reports
 Existing accounts – close and open new
  ones, place strong passwords
 Driver’s license, etc. – contact issuing
  agency
    How Can You Tell if You’re a
             Victim?
   Check credit reports – www.AnnualCreditReport.com
    or 1-877-322-8228
   Monitor financial accounts
   Failure to receive bills or other mail signaling theft or
    an address change by the identity thief
   Receiving credit cards for which you did not apply
   Denial of credit, or offer of poor credit terms such as
    high interest rate, for no apparent reason
   Receiving calls or letters from debt collectors or
    businesses about merchandise or services you did
    not buy
What Should Victims Do?
   Immediately:
     Call fraud lines of CRAs and get fraud alerts
      placed on credit reports; review your free credit
      report for inaccuracies
     Close affected accounts: Contact creditors’ fraud
      departments, ask if they accept IDT Affidavit, if
      not, ask for their fraud forms
     File a complaint with FTC, take complaint to police
     Report to local police, get copy of report
       Protections for Victims

 Know    your legal rights
     Fair Credit Reporting Act
     Fair Debt Collection Practices Act
     The Truth in Lending Act
     The Electronic Fund Transfer Act
        state or federal agencies if you
 Contact
 need additional help with specific
 problems
      Credit Report Clean-Up

If Victim Provides CRAs with Identity
   Theft Report:
 CRAs will block the inaccurate
   information on victim’s credit report
   resulting from identity theft
 When victim’s credit report is sent out, it
   will be correct
Filing a Complaint with the FTC
File online at www.ftc.gov/idtheft or by
  calling 1-877-IDTHEFT
   Get helpful information
   Use complaint to get an identity theft
    report from the police
   Report law violations by companies
   Helps law enforcement
   Informs FTC of problem trends
              Resources

 www.ftc.gov/idtheft
 http://onguardonline.gov
 1-877-ID THEFT (438-4338)
 Deter, Detect, Defend: Avoid ID Theft
  and Take Charge: Fighting Back
  Against ID Theft
 ID Theft Affidavit

				
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