Identity Theft. Protecting Your Credit Identity G1

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Identity Theft. Protecting Your Credit Identity 1.3.1.G1"

Transcription

1 Identity Theft Protecting Your Credit Identity

2 Identity Theft The dollar loss suffered because of identity theft from consumers was 343 million in Federal Trade Commission The number of identity theft complaints filed in 2002 was 380,000 almost double from the 204,000 complaints in Federal Trade Commission Consumers spent 26 billion dollars online. United States Department of Commerce

3 Identity Theft IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information.

4 Personal Identification G1 Information Includes Name Address and Telephone Number Social Security number Driver s license number Bank account numbers Credit card numbers Passwords Bills

5 Ways Identity Thieves Acquire Information Wallet/Purse Loss or Theft - Information is taken from a lost or stolen wallet/purse (most common method). Mail and Phones - Information is taken from mailboxes, a change of address form is completed, or personal information is solicited by phone. Dumpster Diving - Personal information is discarded carelessly either at home or by businesses and thieves remove it from the trash. Insider Access - Dishonest employees steal the information and either sell it or use it. Internet - Personal data taken off the Internet Credit Reports A credit report containing personal information may be obtained fraudulently.

6 How Information Can Be Used To apply for a new driver s license To open new bank accounts To apply for credit cards or store credit accounts To obtain cash with bank cards To get a job To rent an apartment To make retail purchases

7 Identity Theft How Identity Theft Occurs & Prevention

8 Credit Reports How Theft Occurs: Thief fraudulently orders a credit report. Credit Reports include all the accounts a person has, social security number, & personal information. Prevention: Check credit report once per year. Don t leave reports lying around.

9 3 Credit Reporting Agencies Equifax P.O. box Atlanta, GA Report order: Fraud Hotline: Experian P.O. Box 2104 Allen, TX Report Order: Fraud Hotline: Trans Union P.O. Box 390 Springfield, P.A Report Order: Fraud Hotline:

10 Mail How Theft Occurs: Thief steals mail to learn account numbers and personal information. Prevention: Deposit outgoing mail in post office collection boxes not unsecured mailboxes. Promptly remove mail from mailboxes. If on vacation, put a hold on mail.

11 Wallets and Pocketbooks How Theft Occurs: Thief steals a wallet or pocketbook containing a wealth of personal information. Prevention: Don t leave it in plain site. Don t hang from chair at public place. Use a purse which closes securely. Carry only what is absolutely needed.

12 Bills How Theft Occurs: A thief may steal bills containing consumer s name, address, phone number, bank or credit account numbers, or social security. May use information to open new accounts. Prevention: Don t leave statements lying around. Pay attention to billing cycles and follow up if bill does not arrive on time.

13 Calling Cards How Theft Occurs: If a thief has a calling card and personal identification number, it may be used to make long distance calls anywhere. Prevention: Use only cards which require a personal identification number. Block numbers from others view while dialing.

14 Passwords How Theft Occurs: If a thief has access to passwords, he/she can access accounts, send messages, and sell or purchase items. Prevention: Don t give password to anyone. Don t write passwords down where others may find them. Create unique passwords using a combination of numbers and letters.

15 Work Records How Theft Occurs: A thief who has access to work records may have a person s personal information, social security numbers, or bank information. Prevention: Ensure personal records are locked securely with limited access by employees.

16 Pre-Approved Credit Cards How Theft Occurs: A thief may activate credit cards using preapproved credit card offers and have the statements sent to a different address. Prevention: Shred any credit card offers received and not used. Cut up any pre-approved credit cards not used.

17 Bank Account Information How Theft Occurs: If a thief has a person s bank account and routing number, he/she may create fake checks, withdraw money, or access savings accounts. Prevention: Don t leave statements lying around. Use passwords. Don t have checks mailed home. Pick them up at the bank.

18 Social Security Number How Theft Occurs: A social security number is the key to a person s identity. It opens new accounts, obtain driver s license, file bankruptcy, etc. Prevention: Never give our social security number. Ask for alternate number on driver s license, insurance cards, and other materials. Do not carry social security card unless necessary.

19 ATM, Credit, and Debit Cards How Theft Occurs: A thief may withdraw money with both an ATM card and PIN number. Credit and debit cards are easy to use because most stores do not compare cards with another form of identification. Can easily be used to purchase merchandise over the phone or internet.

20 ATM, Credit and Debit Cards G1 Prevention: Don t leave cards lying around. Carry only those which will be used. Use debit cards which require a PIN number. Do not write PIN number down in same place debit card is kept. Carry cards in separate holder from wallet. Sign back of cards stating Please see I.D.

21 ATM, Credit and Debit Cards G1 Prevention cont.: Have a list of all cards and account numbers. Don t give out account number unless making a purchase. Keep track of all receipts. Destroy papers with card numbers on them. Check statements for unauthorized charges.

22 Identity Protection Shopping Online

23 Why People Shop Online and Risks Why Order products from around the world. Easily research items and compare prices. Can be done at any time in the convenience of own home. Risks Personal information including credit card numbers, social security number, financial records, and bank numbers can be used.

24 Safety Tips for Shopping Online 1. Know the real deal Get all details before buying including prices, delivery time, warranty information, and return policies. 2. Look for clues about security Make sure the browser states https or shttp indicating it is secure. 3. Use a credit card Credit cards are the safest way because a person has the legal right to dispute charges.

25 Safety Tips for Shopping Online 4. Use an escrow service An escrow service will hold a person s money until confirmation of the product or services has been received. 5. Keep proof handy Print and file all information in case needed later.

26 Safety Tips for Shopping Online 6. Ask about substitute or single use card numbers Allows a person to use his/her credit card number without putting the real account number online. 7. Get the scoop on the seller Check complaint numbers at the state or local consumer protection agency and Better Business Bureau.

27 Identity Theft What to Do if Identity Theft Happens

28 Immediate Steps 1. Act immediately! 2. Keep a detailed record of correspondence and phone records. 3. Contact the three major credit bureaus and request a fraud alert. 1. Follow with a letter sent by certified mail. 4. Close all accounts which have been tampered with or opened fraudulently. 5. File a police report. 6. File a complaint with the Federal Trade Commission.

29 Credit Card Liability Truth in Lending Act limits liability for unauthorized charges to $50.00 per card. A letter must be received within 60 days of the first bill containing the error. The dispute must be resolved within 90 days of the creditor receiving the letter.

30 ATM & Debit Cards, Electronic Transfers The Electronic Funds Transfer Act provides protection. The amount a person is liable depends upon how quickly the loss is reported. Within two days is a maximum of $ Within sixty days is a maximum of $ After sixty days a person may be liable for everything. To report a loss call the financial institution and follow up in writing. Get new bank numbers, personal identification numbers, and passwords G1

31 Check Liability Checks Contact the financial institution and stop payment. Notify the check verification service. Most states hold the financial institution responsible for losses of a forged check.

32 Identity Theft STAY ALERT BE CAREFUL BE SMART

Identity Theft. Protecting Your Credit Identity 1.3.1.G1

Identity Theft. Protecting Your Credit Identity 1.3.1.G1 Identity Theft Protecting Your Credit Identity Identity Theft IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information. Identity

More information

Identity Theft Grade Level 10-12

Identity Theft Grade Level 10-12 Identity Theft Grade Level 10-12 Take Charge of Your Finances Materials provided by: Karen Dawson, Family and Consumer Sciences Educator, Skyview High School, Billings, Montana Time to complete: 75 minutes

More information

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage.

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage. Identity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information. Identity theft can wreak havoc on an individual s credit report, cause

More information

I dentity theft occurs

I dentity theft occurs 1.3.1.F1 Identity Family Economics and Financial Education W h at i s I d e n t i t y T h e f t? I dentity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit,

More information

According to the Federal Trade Commission (FTC): The FTC is a government agency that promotes consumer protection

According to the Federal Trade Commission (FTC): The FTC is a government agency that promotes consumer protection According to the Federal Trade Commission (FTC): IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information The FTC is a government

More information

Dear Concerned Consumer,

Dear Concerned Consumer, Dear Concerned Consumer, Identity theft is a growing problem of the Information Age. You have already taken the first important step in combating the problem by contacting HomeStar Bank & Financial Services.

More information

Identity Theft: It CAN Happen to You

Identity Theft: It CAN Happen to You Aging Well: Healthier, Happier and Less Hassled An Educational Series for Seniors and their Caregivers Identity Theft: It CAN Happen to You How would you feel if you were stopped for a traffic violation

More information

identity theft: How To Safeguard Your Privacy and Keep Your Good Name

identity theft: How To Safeguard Your Privacy and Keep Your Good Name identity theft: How To Safeguard Your Privacy and Keep Your Good Name Do you know anyone who has been the victim of identity theft? If not, odds are you will soon. According to the Federal Trade Commission,

More information

IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT

IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT CREDIT What You Should Know About... IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT YourMoneyCounts You may have heard of a crime called identity theft, but

More information

It Could Happen To You! Attorney General Tom Reilly s. Guide to Protecting Yourself and Your Credit

It Could Happen To You! Attorney General Tom Reilly s. Guide to Protecting Yourself and Your Credit Identity Theft: It Could Happen To You! Attorney General Tom Reilly s Guide to Protecting Yourself and Your Credit One Ashburton Place ~ Boston, MA 02108 ~ (617) 727-2200 www.ago.state.ma.us February 2005

More information

PROTECT YOURSELF AND YOUR IDENTITY CHASE IDENTITY THEFT TOOL KIT

PROTECT YOURSELF AND YOUR IDENTITY CHASE IDENTITY THEFT TOOL KIT PROTECT YOURSELF AND YOUR IDENTITY CHASE IDENTITY THEFT TOOL KIT At Chase, we work hard to pro v help prepare you for whatever h Convenient Reference for Important Contacts: Chase Identity Theft Center

More information

Fraud and Identity Theft. Megan Stearns, Credit Counselor

Fraud and Identity Theft. Megan Stearns, Credit Counselor Fraud and Identity Theft Megan Stearns, Credit Counselor Agenda Fraud and identity theft statistics Fraud Identity theft Identity theft prevention Protecting your Social Security Number Online prevention

More information

Identity Theft Assistance Kit A self-help guide to protecting yourself and your identity

Identity Theft Assistance Kit A self-help guide to protecting yourself and your identity Identity Theft Assistance Kit A self-help guide to protecting yourself and your identity Stillman Bank works hard to serve and protect our customers identities and ensure their safety. That s why we have

More information

What is Identity Theft?

What is Identity Theft? What is Identity Theft? Identity theft is a crime in which someone obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else.

More information

SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency.

SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency. SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency. The credit reporting agency shall not charge a fee to victims

More information

Information to Protect Our Customers From Identity Theft

Information to Protect Our Customers From Identity Theft Our Customers From Identity Theft Identity (ID) Theft Capital One understands that ID Theft is a growing concern of our customers, and that it is a frustrating experience for victims. We share these concerns

More information

What You Need to Know About Identity Theft. Identity Theft Prevention Tips

What You Need to Know About Identity Theft. Identity Theft Prevention Tips What You Need to Know About Identity Theft Identity theft is the fastest growing crime in America. Criminals who gain access to simply a few pieces of valid personal information can impersonate another

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Tennessee may place a security freeze on his or her credit report by requesting it in writing by certified mail to the credit reporting agency. Beginning January

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Massachusetts may place a security freeze on his or her credit report by sending a request in writing, by mail to all credit reporting agencies. The credit reporting

More information

Identity Theft A Growing Business

Identity Theft A Growing Business Identity Theft A Growing Business You retrieve your mail and find yet another application for a pre-approved credit card application. You just throw it out without even opening it. You put your trash out

More information

IDENTITY THEFT. How To Avoid Theft And What To Do If It Happens To You. Securities Industry Association

IDENTITY THEFT. How To Avoid Theft And What To Do If It Happens To You. Securities Industry Association IDENTITY THEFT How To Avoid Theft And What To Do If It Happens To You Securities Industry Association SIA thanks its members for their thoughtful review and contributions to this publication. Illustrator:

More information

SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing.

SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing. SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing. The credit reporting agency is not allowed to charge a fee to

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in New Mexico may place a security freeze on his or her credit report by requesting it in writing by certified mail to the credit reporting agency or by telephone

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in North Dakota may place a security freeze on his or her credit report by requesting one in writing by certified or overnight mail to the credit reporting agency.

More information

U.S. Postal Inspection Service. Ensuring Confidence in the U.S. Mail

U.S. Postal Inspection Service. Ensuring Confidence in the U.S. Mail U.S. Postal Inspection Service Ensuring Confidence in the U.S. Mail Identity theft involves acquiring key pieces of someone s identifying information, such as name, address, date of birth, social security

More information

IDENTITY THEFT RESOURCE KIT

IDENTITY THEFT RESOURCE KIT IDENTITY THEFT RESOURCE KIT TABLE OF CONTENTS Introduction 2 What To Do Now 3 Key Agencies to Contact 3 Other Important Contacts 4 Action Taken Form 6 Sample Letters 7 How Identity Theft Can Occur 9 What

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in North Dakota may place a security freeze on his or her credit report by making a request by mail to each consumer reporting agency. If the consumer reporting

More information

Identity Theft is a Crime in the State of New Jersey.

Identity Theft is a Crime in the State of New Jersey. NEW JERSEY STATE POLICE Identity Theft: A Victim s Reference Identity Theft occurs when someone uses your personally identifying information like your name, Social Security number, or credit card number

More information

Guide to Identity Theft

Guide to Identity Theft Guide to Identity Theft 1 Receive a free copy of your credit report. Visit www.annualcreditreport.com to get a copy of your credit report from all three credit reporting agencies. Review your credit report

More information

SECURITY FREEZE INFORMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by

SECURITY FREEZE INFORMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by SECURITY FREEZE INFMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by certified mail to the credit reporting agency. The credit reporting

More information

Identity Theft: Informational Workshop

Identity Theft: Informational Workshop Identity Theft: Informational Workshop ~ Prepared By ~ Connecticut Department of Consumer Protection Jerry Farrell, Jr. Commissioner 1 The Department of Consumer Protection Mission The Department of Consumer

More information

Fraud. Spot it.stop it. Keep Your Finances Safe

Fraud. Spot it.stop it. Keep Your Finances Safe Fraud Spot it.stop it. Keep Your Finances Safe 2003 MasterCard International Incorporated. All rights reserved. MasterCard is a registered trademark of MasterCard International. DON T PAY A HIGH PRICE

More information

How to Freeze Your Credit Files

How to Freeze Your Credit Files Avoid Identity Theft! How to Freeze Your Credit Files County of Bucks Department of Consumer Protection/ Weights and Measures 1260 Almshouse Rd., 4th Floor Doylestown, Pa. 18901 215-348-6060 1-800-942-2669

More information

Citi Identity Theft Solutions

Citi Identity Theft Solutions Identity Theft what you need to know Citi Identity Theft Solutions At Citi, we want to keep you informed about all of the issues that can affect your financial life. We re bringing you helpful information

More information

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to IDENTITY THEFT IDENTITY theft Identity theft can happen to anyone. Previously, criminals stole your wallet for your cash. Now they want your wallet to steal your good name. Protect yourself and your identity.

More information

Identity Theft Protection

Identity Theft Protection Identity Theft Protection Learning Objectives Discuss the aspects of identity theft Discuss the signs of recognizing when your identify has been stolen Understand the steps to take to reclaim your identity

More information

Identity Theft Still a Major Problem

Identity Theft Still a Major Problem July/August 2005 Volume 9 Issue 4 Identity Theft Still a Major Problem Inside This Issue Identity Theft Still a Major Problem page 1 Identity Theft How Thieves Get Your Information page 2 Identity Theft

More information

How to Freeze Your Credit Files

How to Freeze Your Credit Files Avoid Identity Theft! How to Freeze Your Credit Files County of Bucks Department of Consumer Protection/ Weights and Measures 50 North Main Street, 2nd Floor Doylestown, PA 18901 215-348-7442 1-800-942-2669

More information

Intercepting your mail. They can complete change of address forms and receive mail that s intended for you.

Intercepting your mail. They can complete change of address forms and receive mail that s intended for you. At SunTrust, we re committed to protecting your accounts and identity. That s why we ve created this Identity Theft Guide. This guide provides information about online fraud and identity theft, as well

More information

About the Federal Reserve

About the Federal Reserve About the Federal Reserve The Federal Reserve Bank of Philadelphia is one of 12 regional Reserve Banks in the United States that, along with the Board of Governors in Washington, D.C., make up the Federal

More information

Identity Theft and Fraud Prevention

Identity Theft and Fraud Prevention Identity Theft and Fraud Prevention Jill Mecklenburg, Crime Prevention Specialist Richfield Police Department Statistics In 2011, over 11.2 million Americans were victims of identity theft. The total U.S.

More information

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft Protect Your Personal Information Tips and tools to help safeguard you against identity theft Trademark of Visa International Service Association; Visa Canada Association is a licensed user. What is Identity

More information

Client Education. Learn About Identity Theft

Client Education. Learn About Identity Theft Client Education Learn About Identity Theft 2 What is identity theft? 6 Detecting identity theft 10 Minimizing your risk 14 What to do if you re a victim The Federal Trade Commission (FTC) estimates that

More information

Crime Prevention Tips

Crime Prevention Tips Crime Prevention Tips The suggests the following crime prevention techniques to avoid becoming a victim of Identity Theft: 1. To minimize the amount of information an identity thief can steal, do not carry

More information

Identity Theft and Fraud

Identity Theft and Fraud Identity Theft and Fraud Identity theft is a term that refers to crimes in which someone wrongfully obtains and uses another person s personal data (i.e., name, date of birth, social security number, driver

More information

What is it? How does it occur? How potentially devastating it can be? How do we detect fraud? How can we minimize the risk of being victimized?

What is it? How does it occur? How potentially devastating it can be? How do we detect fraud? How can we minimize the risk of being victimized? IDENTITY THEFT & PREVENTION Bucknell University Department of Public Safety Identity Theft Learning Objectives What is it? How pervasive is it? How does it occur? How potentially devastating it can be?

More information

INTRODUCTION. Identity Theft Crime Victim Assistance Kit

INTRODUCTION. Identity Theft Crime Victim Assistance Kit Identity Theft Crime Victim Assistance Kit INTRODUCTION In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change

More information

IDENTITY THEFT. A. What Do I Do First? Take the following steps as soon as you discover you have been a victim of identity theft.

IDENTITY THEFT. A. What Do I Do First? Take the following steps as soon as you discover you have been a victim of identity theft. IDENTITY THEFT IDENTITY THEFT Identity theft is a serious crime with serious costs for victims. ID theft occurs when someone obtains your personal information such as your Social Security Number, credit

More information

Identity Theft: Portland Police Bureau Detective Division Fraud Detail. 1111 SW 2nd Avenue Portland, OR 97204 503-823-0456

Identity Theft: Portland Police Bureau Detective Division Fraud Detail. 1111 SW 2nd Avenue Portland, OR 97204 503-823-0456 Identity Theft: It can happen to you. Portland Police Bureau Detective Division Fraud Detail 1111 SW 2nd Avenue Portland, OR 97204 503-823-0456 www.portlandpolicebureau.com What is Identity Theft? Identity

More information

TABLE OF CONTENTS. Identity Theft Steps to take if you are a victim Page 3

TABLE OF CONTENTS. Identity Theft Steps to take if you are a victim Page 3 Identity Theft Kit This kit has been prepared for you to use in the event you may have become a victim of Identity Theft. First National Bank Bemidji has compiled this kit of information and procedures

More information

Identity Theft. Emergency Repair Kit

Identity Theft. Emergency Repair Kit Identity Theft Emergency Repair Kit 2012 Beavercreek Marketing, a division of Beavercreek Inc. All rights reserved. Any duplication or reproduction is strictly prohibited. Identity Theft Emergency Repair

More information

Understanding Credit Cards

Understanding Credit Cards Understanding Credit Cards INTRODUCTION This brochure can help you understand how credit cards work, become familiar with common terms offered with a credit card, and avoid the dangers of using credit

More information

SECURITY BREACH INCIDENT RESPONSE AND CONSUMER NOTIFICATION PLAN TABLE OF CONTENTS PROGRAM OVERVIEW... DEFINITIONS... REPORTING A SECURITY BREACH...

SECURITY BREACH INCIDENT RESPONSE AND CONSUMER NOTIFICATION PLAN TABLE OF CONTENTS PROGRAM OVERVIEW... DEFINITIONS... REPORTING A SECURITY BREACH... SECURITY BREACH INCIDENT RESPONSE AND CONSUMER NOTIFICATION PLAN TABLE OF CONTENTS PROGRAM OVERVIEW... DEFINITIONS... REPORTING A SECURITY BREACH... CONTAINMENT AND CONTROL... INVESTIGATING A SECURITY

More information

WHAT S IT ALL ABOUT?

WHAT S IT ALL ABOUT? WHAT S IT ALL ABOUT? Introduction The 1990 s spawned a new variety of crooks called identity thieves. Their stock in trade? Your everyday transactions, which usually reveal bits of your personal information:

More information

Reclaiming your identity

Reclaiming your identity Reclaiming your identity A resource for victims of identity theft If you think you are the victim of identity theft, use this resource guide to assist you in reclaiming your identity. You will find a checklist

More information

Pasco County Sheriff's Office Economic Crime Unit. Identity Theft Guide

Pasco County Sheriff's Office Economic Crime Unit. Identity Theft Guide Pasco County Sheriff's Office Economic Crime Unit Identity Theft Guide This kit was designed to assist you in working through the process of resolving the theft of your personal information and to clear

More information

Beware! Identity Theft

Beware! Identity Theft STUDENT MODULE 9.2 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Identity Theft Imagine getting a letter from the Internal

More information

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft

Protect Your Personal Information. Tips and tools to help safeguard you against identity theft Protect Your Personal Information Tips and tools to help safeguard you against identity theft Trademark of Visa International Service Association; Visa Canada Association is a licensed user. WHAT IS IDENTITY

More information

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit PROTECTING YOURSELF FROM IDENTITY THEFT The Office of the Attorney General of Maryland Identity Theft Unit CONTENTS 1) What is Identity Theft? 2) How to Protect Yourself From ID Theft. 3) How to Tell If

More information

Learn about identity theft. Investor education

Learn about identity theft. Investor education Learn about identity theft Investor education Protecting a vital asset: Your identity A 2013 report on identity theft by Javelin Strategy & Research found that more than 12 million Americans were the

More information

EL/Civics Lesson Plan

EL/Civics Lesson Plan Program Name Staff Responsible for Lesson MVCTC EL/Civics Program Mary Ann Oatney Date(s) Used 11/2007 Civics Category Civics Objective Time Frame to Complete Lesson EFL(s) II. Civics Participation II.

More information

Standard 9: The student will identify and explain consumer fraud and identity theft.

Standard 9: The student will identify and explain consumer fraud and identity theft. TEACHER GUIDE 9.2 FRAUD AND IDENTITY THEFT PAGE 1 Standard 9: The student will identify and explain consumer fraud and identity theft. Beware! Identity Theft Priority Academic Student Skills Personal Financial

More information

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS If you live in Kentucky, you have the right as of July 12, 2006, to put a Asecurity freeze@ on your credit report with each credit reporting agency. A

More information

PRACTICAL MONEY GUIDES IDENTITY THEFT. How to safeguard your identity and financial information from theft

PRACTICAL MONEY GUIDES IDENTITY THEFT. How to safeguard your identity and financial information from theft PRACTICAL MONEY GUIDES IDENTITY THEFT How to safeguard your identity and financial information from theft SHIELD YOUR PERSONAL FINANCIAL INFORMATION TO AVOID CARD FRAUD AND IDENTITY THEFT When your personal

More information

Identity Theft Repair Kit

Identity Theft Repair Kit Identity Theft Repair Kit The Identity Theft Repair Kit contains a resolution checklist and resolution worksheets. The checklist will help you keep track of the companies and organizations you should contact

More information

IDENTITY THEFT VICTIMS: IMMEDIATE STEPS

IDENTITY THEFT VICTIMS: IMMEDIATE STEPS IDENTITY THEFT VICTIMS: IMMEDIATE STEPS If you are a victim of identity theft, take the following four steps as soon as possible, and keep a record with the details of your conversations and copies of

More information

IDENTITY THEFT: MINIMIZING YOUR RISK

IDENTITY THEFT: MINIMIZING YOUR RISK IDENTITY THEFT: MINIMIZING YOUR RISK What is Identity Theft? Identity theft occurs when someone uses another person s information to commit fraud or other crimes. Information such as your name, Social

More information

Online Fraud and Identity Theft Guide. A Guide to Protecting Your Identity and Accounts

Online Fraud and Identity Theft Guide. A Guide to Protecting Your Identity and Accounts A Guide to Protecting Your Identity and Accounts As part of SunTrust s commitment to protecting your accounts and identity, we ve created the Online Fraud & Identity Theft Guide, which provides information

More information

Identity Theft. Occurs when someone uses your personal information without your permission for personal gain.

Identity Theft. Occurs when someone uses your personal information without your permission for personal gain. Identity Theft Identity Theft Occurs when someone uses your personal information without your permission for personal gain. Someone uses your personal information to open a department store credit account

More information

Identity Theft Repair Kit

Identity Theft Repair Kit Identity Theft Repair Kit The Identity Theft Repair Kit contains a resolution checklist and resolution worksheets. The checklist will help you keep track of the companies and organizations you should contact

More information

What is Identity Theft? How to Prevent ID Theft

What is Identity Theft? How to Prevent ID Theft What is Identity Theft? Actually, there are several types; Financial, Medical, Criminal, Synthetic, and Child. All involve the acquisition of key pieces of someone s identifying information, such as; name,

More information

UNIT 3 4 Preventing Identity Theft

UNIT 3 4 Preventing Identity Theft UNIT 3 4 Preventing Identity Theft Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. The perpetrator may use your personal information

More information

Identity Theft Assistance: Information for Recovering Your Good Name

Identity Theft Assistance: Information for Recovering Your Good Name Identity Theft Assistance: Information for Recovering Your Good Name I Could Be A Victim of Identity Theft! What Do I Do Next? We understand that you may have been a victim of identity theft. Enclosed

More information

IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION

IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ protection center LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION @ What Is Identity Theft? IDENTITY THEFT

More information

I know what is identity theft but how do I know if mine has been stolen?

I know what is identity theft but how do I know if mine has been stolen? What is identity theft? You might hear stories on the news about stolen identities, but what is identity theft? When someone uses the personal information that identifies you, like your name, credit card

More information

Preventing Identity Theft National City Bank. How to protect your identity

Preventing Identity Theft National City Bank. How to protect your identity Preventing Identity Theft National City Bank How to protect your identity Understanding and Preventing Identity Theft Identity Theft is the fastest growing crime in America 500,000 people fall victim to

More information

DVD Companion Learning Guide

DVD Companion Learning Guide DVD Companion Learning Guide How to Use This Learning Guide This learning guide is a companion to the DVD, Identity Theft: Outsmarting the Crooks It can be used to guide classroom discussion of the material

More information

IDENTITY THEFT. Public Advisory. This Public Advisory is a publication of the Nassau County Police Department.

IDENTITY THEFT. Public Advisory. This Public Advisory is a publication of the Nassau County Police Department. Public Advisory 0312 This Public Advisory is a publication of the Nassau County Police Department. For further information, call the Nassau County Police Department Public Information Office at 516-573-7135.

More information

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen FTC Facts For Consumers Federal Trade Commission For The Consumer August 2005 Identity Crisis... What to Do If Your Identity is Stolen Maybe you never opened that account, but someone else did...someone

More information

Fraud Prevention Tips

Fraud Prevention Tips Fraud Prevention Tips The best defense against fraud or identity theft is a proactive approach. Here are a few steps you can take to help protect yourself. Protect your identity Copy the front and back

More information

Identity Theft. Prevention and Recovery Information Kit

Identity Theft. Prevention and Recovery Information Kit Identity Theft Prevention and Recovery Information Kit A step-by-step guide designed to help you protect your identity and recover if you ve been victimized. 800-522-4100 valleynationalbank.com 2012 Valley

More information

Employee ID Theft Resource Guide

Employee ID Theft Resource Guide Employee ID Theft Resource Guide ID Theft Resolution Legal Resources ID Theft Assistance Updates www.legalresources.net ID Theft What is Identity Theft? Identity Theft is a serious crime in which someone

More information

IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION

IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IDENTITY THEFT IT S POSSIBLE@ PROTECT YOUR IDENTITY protection center LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IT S POSSIBLE @ What Is Identity Theft? According to the FBI, identity theft is the fastest

More information

Student Take Home Guide. Money Smart. To Your Credit

Student Take Home Guide. Money Smart. To Your Credit Student Take Home Guide Money Smart To Your Credit Table of Contents Table of Contents...1 Money Smart...2 To Your Credit...3 Requesting A Copy of Your Credit Report...4 Sample Dispute Letter from The

More information

Identity Theft, Fraud & You. Prepare. Protect. Prevent.

Identity Theft, Fraud & You. Prepare. Protect. Prevent. Prepare. Protect. Prevent. Identity Theft, Fraud & You Fraud and identity theft incidents claimed fewer victims in 2010 than in previous years. But don t get too comfortable. Average out-of-pocket consumer

More information

PROTECT YOURSELF AND YOUR IDENTITY. Chase Identity Theft Tool Kit

PROTECT YOURSELF AND YOUR IDENTITY. Chase Identity Theft Tool Kit PROTECT YOURSELF AND YOUR IDENTITY Chase Identity Theft Tool Kit USE THESE IMPORTANT CONTACTS TO KEEP YOURSELF PROTECTED CHASE CONTACTS Customer Protection Group Credit Cards 1-888-745-0091 Other Account

More information

IDENTITY THEFT: PROTECTING YOUR CREDIT

IDENTITY THEFT: PROTECTING YOUR CREDIT IDENTITY THEFT: PROTECTING YOUR CREDIT Free Credit Report A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies to provide you with a

More information

Refuse to be a target of identity crime.

Refuse to be a target of identity crime. Refuse to be a target of identity crime. Protecting the Real You and Only You. The International Association of Chiefs of Police 515 N. Washington Street, Alexandria, VA 22314 Telephone: 1.800.843.4227

More information

SCAM JAM 2011. ID Theft. Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection

SCAM JAM 2011. ID Theft. Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection SCAM JAM 2011 ID Theft Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection ID Theft The NAME GAME. Don t Get Played! Identity Theft: Learn the basics- What it is. How

More information

We encourage you to share this booklet with your family, friends, colleagues, and neighbors.

We encourage you to share this booklet with your family, friends, colleagues, and neighbors. Dear Consumer: The Federal Trade Commission has published this booklet to help raise consumer awareness of identity theft. If you or someone you know is a victim of identity theft, please visit www.consumer.gov/idtheft.

More information

Identity Theft Victim Checklist

Identity Theft Victim Checklist Page 1 of 5 Identity Theft Victim Checklist CONSUMER INFORMATION SHEET 3 This checklist can help identity theft victims to clear up their records. It lists the actions most identity theft victims should

More information

azag.gov PROTECT YOURSELF AGAINST IDENTITY THEFT Office of Arizona Attorney General TERRY GODDARD For more information, contact:

azag.gov PROTECT YOURSELF AGAINST IDENTITY THEFT Office of Arizona Attorney General TERRY GODDARD For more information, contact: For more information, contact: Office of Arizona Attorney General Terry Goddard 1275 West Washington Street Phoenix, Arizona 85007 602-542-5763 400 West Congress, Suite 315 Tucson, Arizona 85701 520-628-6504

More information

The fastest growing white-collar crime in the US. Identity theft REPAIR KIT. brought to you by: Colorado Attorney General John Suthers

The fastest growing white-collar crime in the US. Identity theft REPAIR KIT. brought to you by: Colorado Attorney General John Suthers The fastest growing white-collar crime in the US. Identity theft REPAIR KIT brought to you by: Colorado Attorney General John Suthers Message from Attorney General John Suthers Dear Coloradoans: Identity

More information

Identity Theft Victim Checklist

Identity Theft Victim Checklist Identity Theft Victim Checklist THE FOLLOWING CHECKLIST PROVIDES THE STEPS YOU SHOULD TAKE TO MINIMIZE DAMAGE TO YOUR FUNDS, FINANCIAL ACCOUNTS AND PERSONAL REPUTATION. Before you start Telephone calls

More information

Identity Theft Simple ways to keep your sensitive information safe.

Identity Theft Simple ways to keep your sensitive information safe. Keep yourself safe from Identity Theft Simple ways to keep your sensitive information safe. Be Aware Identity theft is the number one consumer fraud perpetrated on unsuspecting citizens. In 2011, nearly

More information

Credit Freeze. How To Place a Freeze on Your Credit. Colorado Bureau of Investigation Identity Theft & Fraud Unit

Credit Freeze. How To Place a Freeze on Your Credit. Colorado Bureau of Investigation Identity Theft & Fraud Unit Credit Freeze Colorado Bureau of Investigation Identity Theft & Fraud Unit How To Place a Freeze on Your Credit Placing a freeze on your credit is a simple way to minimize the risk of Identity Theft. There

More information

ID Theft Toolkit and Affidavit

ID Theft Toolkit and Affidavit ID Theft Toolkit and Affidavit Identification Theft Toolkit Safeguard yourself from ID Theft ID Theft the unauthorized and illegal use of your name, Social Security number or other personal information

More information

Information copied from Federal Trade Commission Website (www.ftc.gov)

Information copied from Federal Trade Commission Website (www.ftc.gov) DETER OR MINIMIZE YOUR RISK OF IDENTITY THEFT Information copied from Federal Trade Commission Website (www.ftc.gov) Protect your Social Security number Don't carry your Social Security card in your wallet

More information

Identity Protection Guide. The more you know, the better you can protect yourself.

Identity Protection Guide. The more you know, the better you can protect yourself. Identity Protection Guide The more you know, the better you can protect yourself. Be Aware According to a 2012 report, identity theft is one of the fastest growing crimes in America 1 and it can have serious

More information

Substitute Notice for Village Pizza

Substitute Notice for Village Pizza Substitute Notice for Village Pizza Village Pizza is committed to protecting the personal information provided to us by our customers. This notice is regarding an incident involving some of that information.

More information