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Identity Theft

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					What is Identity Theft?
            • Identity theft occurs
              when a criminal uses
              another person's
              personal information
              to take on that
              person's identity.
            • Identity theft is much
              more than misuse of
              a Social Security
              number, it can also
              include credit card
              and mail fraud.
     Protecting Your Identity
• Services of
  Protection:
• LifeLock
• Trusted ID
• ID Watchdog
• Identity Guard
• Equifax
• $9-14/monthly
ID Protection
       • Hide and protect your
         name, address, and
         Social Security number.
       • Once a year, order your
         credit report from all three
         credit report agencies.
       • Read credit statements
         accurately for any
         inaccurate information
         that you did not extract
         money from that account.
   To Protect Your Identity…
• Keep your SSN
  off your checks
  and driver’s
  license and out
  of your wallet.
• Please do not
  divulge you
  Social Security
  Number to
  anyone!
Computer Related Concerns
             • Don’t send or put
               out any information
               of your address,
               SSN, and
               telephone numbers
             • People can hack
               into your account
               and take your
               identity, money,
               credit, etc.
          Internet Concerns
• If you purchase
  items from the
  internet, make sure
  there is a security
  lock and key icon
  or https before the
  website url.
• This will insure
  protection for your
  security,
  passwords, etc.
Remember Your Information
              • Make sure you
                keep your
                passwords and
                special numbers in
                a safe environment
              • Keep track of your
                use of your
                passwords at
                websites you log
                onto
       The Risk of Credit Cards
• Easy to use and very
  popular to have.
• Many people use
  credit cards, debit
  cards, etc.
• The risk of using
  these cards are at a
  very high risk of
  getting stolen and
  easy for someone to
  get your password.
If someone steals your cards…
              • … then you’re going
                to lose tons of money
                if they have your card
                and you password/pin
                number.
              • They can use the
                card for internet
                shopping and buy
                anything they want
                spending all your
                money.
              • They can duplicate
                your card and create
                counterfeit cards.
     Credit Card Fraud Statistic…
• Each circle is a
  fraudulent transaction
  in one particular fraud
  case, over several
  months. Circle radius
  represents dollar
  amount. Color
  represents regency,
  from blue (old) to red
  (new). The fraud
  spread from the East
  to the West coast, as
  you can tell by the
  colors.
Stolen Wallet/Purse
          • If your wallet or
            purse has been
            stolen…
          • Close any bank
            accounts of cards
            and what not that
            are active.
          • Change your
            passwords from
            any online
            accounts
          What Should I Do?
• Place Fraud Alerts on
  your credit reports
• Contact Police and
  proper authorities for
  help
• Record and Save
  important knowledge
  of where and what
  happened of your lost
  belongings
Important Numbers…
         • Credit Card
           Bureaus: Equifax
           (800) 525-6285.
           Experian (888)
           397-3742.
           TransUnion (800)
           680-7289.
         • File a Complaint:
           (877) ID-THEFT or
           (877) 438-4338
          Online Phishing
• "Phishing" is a
  term invented by
  computer hackers,
  who use email to
  fish the Internet
  hoping to hook you
  into giving them
  your logins,
  passwords and/or
  credit card
  information.
Why should I be aware of
      Phishing?
            • Because the phisher
              first impersonates a
              legitimate company
              such as your own
              internet service
              provider, or your
              auction site or a
              financial institution.
            • Then they ask for
              your important
              information. Its like
              they’re asking for all
              your money on a
              silver platter.
           Example of Phishing
• You can be phished from
  anything on the internet,
  e-mails, myspace, etc.
• It’s basically a fake page
  you log into, but you
  think it’s the real page.
• The page asks for your
  e-mail and password or
  credit card information,
  and it sends all that
  information to the
  phisher.
Scams and Rip-offs
         • People can scam/rip-off
           the things that interest
           you such as everyday
           items, credit cards,
           advertisements.
         • Scam artists interest
           you into buying
           something worthless
           and make you pay
           more than the intended
           price
         • False advertising a
           product
   Credit Card Scams/Rip-Offs
• Credit card sellers
  can do whatever to
  sell you a credit card.
• They have to ability to
  lie, cheat, and
  persuade you to buy
  a card.
• They can convince
  you that if you get a
  credit card, they can
  give you a $1,000,000
  cash back, but it’s all
  a lie
False Advertising
        • Advertising is very
          misleading.
        • Advertising has the
          potential to persuade
          people into commercial
          transactions that they
          might otherwise avoid.
        • An advertisement might
          read “FREE*”
        • That “*” reads “*only if
          you buy three of this
          product, you get one
          free”
Conclusion: Identity Theft
             • Keep your identity
               safe!
             • If you’re a victim, I
               hope this
               presentation
               helped you.
             • Be aware about
               your credit cards,
               money, passwords.
             • Watch out, it can
               happen to YUAAA!
              References
• http://www.ftc.gov/bcp/edu/microsites/
• www.usdoj.gov/criminal/fraud/websites/idt
  heft.html
• www.identitytheft.org/
• en.wikipedia.org/wiki/Identity_theft
• www.idtheftcenter.org/
• www.privacyrights.org/identity.htm
• www.ed.gov/about/offices/list/oig/misused/
               References
•   www.fightidentitytheft.com/
•   www.bbbonline.org/IDtheft/
•   www.ou.edu/oupd/idtheft.htm
•   www.onguardonline.gov/topics/
•   myfloridalegal.com/identitytheft
•   www.fdic.gov/consumers/consumer/alerts/
    theft.html

				
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posted:9/15/2012
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