Identity Theft: Prevention, Detection Presented by

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1 Identity Theft: Prevention, Detection Presented by Manny Madruga Chief Assistant State Attorney

2 Security Tips Be aware of stand alone ATM.

3 Security Tips Trust your instincts. If anything -- anything at all -- looks out of place on an ATM, don't use it. Look for mirrors, leaflet holders or anything else around the ATM. The machine should be free from anything like that, so add-ons are another huge red flag.

4 Security Tips Guard your PIN carefully. As most skimmers require two pieces of information from you, the PIN is something you can at least stop them from getting. You may seem a little paranoid to anyone waiting in line behind you, but who cares? Just cover your actions by cupping one hand over the numbers as your other hand enters them.

5 Security Tips Take advantage of the debit card cashback feature. When you're running low on cash, and a grocery or convenience store will give you cash back if you pay for your purchase with a debit card. Become a creature of habit and use the same ATM each time. This won't protect you from encountering a skimmer, but you're much more likely to notice something fishy.

6 Security Tips Look for ATMs with video surveillance. Beware of ATMs that are off the beaten path. Don't be afraid to poke and prod the ATM. If something looks odd, investigate. Be suspicious if entrance security not working.

7 Security Tips Never use an ATM if someone is offering to help you with it. That may seem really obvious, but thieves can dress as technicians or bank tellers. Do not provide ANY information to someone while at an ATM about your transaction or if they are asking for help with their transaction.

8 Remember this! U.S. Secret Service estimates that annual losses from ATM fraud totaled about $1 billion in 2008, or about $350,000 each day. Card skimming, where the fraudster affixes a bogus card reader on top of the real reader, accounts for more than 80 percent of ATM fraud.

9 craigslist tips Ask to see the landlord's ID - record all the information you can from it. Use a browser to search for the person's name who you're dealing with. Be sure to add quotes around their name. You could add the words "fraud" or "scam" at the end of your search terms. Use reverse directory look up if the person has given you their telephone number. It's important to double check that they are who they say they are. Search online local property appraiser to look up property ownership for the apartment in question. Who really owns it? Is it the person you're dealing with? Or someone else?

10 craigslist tips Scan any provided photographs carefully. Do they match up with what you've seen in person? Do they look like they all came from the same place? They don't ask for an application or permission to check your credit? That's a red flag! Considering the current state of our economy and the rise in foreclosures, ask the landlord if they're current on their mortgage payments, and then get their answer in writing. Consider using another method for obtaining a rental, i.e. real estate agent, going through a rental agency, etc...

11 craigslist scam 2 (Nigerian 419) Someone will answer an online posting for a property and ask to pay by check or an equivalent money wiring service. If the landlord takes the bait, and many do, the renter will "accidently" pay too much. The renter will apologize and ask for the extra funds to be sent back to them. If the landlord doesn't wait for the payment to clear the bank and sends the money, they're out whatever they send.

12 Local variation of 419 Ad posted for live in nanny. Offers room and board in home being remodeled and salary. Poster is moving to Key West soon. In good faith they send check for your first month salary to help them get home fixed up plus money for a contractor. Ask you to wire money to contractor they found willing to do work locally cheaper than local workers as long as he can stay in home. You deposit check keeping your salary and wire money to contractor. Check bounces, you are out the money and never hear from the poster ever again.

13 Common elements of 419 You are contacted via regarding a property. The request comes from outside your area. There is a sense of urgency. Third parties become involved. You will be overpaid. Poor English often used.

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15 Ways to Protect Yourself (not foolproof, no matter how hard you try) 1. Only Share Identity Information When Necessary 2. When in Public, Exercise Caution When Providing Identity Information 3. Do Not Carry Unnecessary Identity Information in a Purse or Wallet 4. Secure Your Mailbox 5. Secure Information on Your Personal Computer 6. Keep Financial and Medical Records in a Secure Location 7. Shred Nonessential Material Containing Identity Information 8. "Sanitize" the Contents of Garbage and Recycling 9. Ensure That Organizations Shred Identity Information 10. Remove Your Name from Mailing Lists 11. Carefully Review Financial Statements 12. Periodically Request Copies of Credit Reports

16 Safe Pass

17 Shop Safe

18 Checking your credit report How do I order my free report? Equifax, Experian, and TransUnion have set up a central website, telephone number, and mailing address for you to order your free annual report. To order, visit call (877) , or complete the annual credit report request form available on the website and mail it to: Annual Credit Report Request Service, P.O. Box , Atlanta, GA This website is the only authorized source for your free annual credit report. If you receive an or see a pop-up ad claiming it is from or any of the three consumer reporting companies, do not reply or click on any link in the message -- it may be a scam. What information do I have to provide to get my free report? You will need to provide your name, address. Social Security number, and date of birth. If you have moved in the last two years, you may need to provide your previous address. To maintain the security of your file, each consumer reporting company may ask you for some information that only you should know. Mark A. Ober State Attorney - Thirteenth Judicial Circuit 800 East Kennedy Blvd. Tampa, Florida 33602

19 Is ID theft protection worth it? Make sure services have really got you covered 03:46 PM CDT on Monday, April 16, 2007 By PAMELA YIP / / The Dallas Morning News TYPES OF PROTECTION CREDIT MONITORING Offered by the three national credit bureaus Experian, TransUnion and Equifax. Cost: $12.95 to $14.95 per month What you get: Daily monitoring of your credit files at all three credit bureaus and notification within 24 hours of changes to your credit report. IDENTITY THEFT INSURANCE May also be known as "identity restoration" or "identity recovery." Cost: Up to $50 a year, or free as part of your homeowners' or auto insurance policy. What you get: Covers expenses and provides services associated with restoring your identity. LIFELOCK Advertises itself as the total protection system. Cost: $110 a year or $10 a month for adults. What you get: LifeLock sets fraud alerts in your credit file and automatically renews them every 90 days. You get copies of your credit reports, and the company will take you off lists to receive prescreened credit offers. If your identity is stolen, LifeLock will cover expenses such as lost wages, attorney fees, long-distance calls, postage and other miscellaneous costs, up to $1 million. SOURCES: The companies; Dallas Morning News research

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21 GET ON THE WEB DOWNLOAD THE F.T.C. ID THEFT AFFIDAVIT Mark A. Ober State Attorney - Thirteenth Judicial Circuit 800 East Kennedy Blvd. Tampa, Florida 33602

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28 Credit Freeze A freeze is a tool available to consumers which prevents new creditors from viewing a credit report or score. This process locks the data at the consumer reporting agency (Experian, Equifax, TransUnion) until an individual gives permission for the release of the data (thaw). It should be noted that companies you already have a business relationship with may view your credit report for account review purposes. Potential new creditors, insurance companies, landlords and some employers doing financial background checks will be told that your report is unavailable for viewing. In ITRC s opinion a freeze is the best form of financial identity theft protection currently available, but it is by no means a guarantee of safety. A credit freeze will not stop or fix an ongoing identity theft.

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30 F.S Consumer report security freeze (13)(a) A consumer reporting agency may charge a reasonable fee, not to exceed $10, to a consumer who elects to place, remove, or temporarily lift a security freeze on his or her consumer report. (b) A consumer reporting agency shall not charge any fee: 1. To a consumer 65 years of age or older for the initial placement or removal of a security freeze; or 2. To a victim of identity theft who has submitted, at the time the security freeze is requested, a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of the victim's identifying information by another person.

31 Consumer report security freeze YOU SHOULD BE AWARE THAT USING A SECURITY FREEZE TO CONTROL ACCESS TO THE PERSONAL AND FINANCIAL INFORMATION IN YOUR CONSUMER REPORT MAY DELAY, INTERFERE WITH, OR PROHIBIT THE TIMELY APPROVAL OF ANY SUBSEQUENT REQUEST OR APPLICATION YOU MAKE REGARDING A NEW LOAN, CREDIT, MORTGAGE, INSURANCE, GOVERNMENT SERVICES OR PAYMENTS, RENTAL HOUSING, EMPLOYMENT, INVESTMENT, LICENSE, CELLULAR PHONE, UTILITIES, DIGITAL SIGNATURE, INTERNET CREDIT CARD TRANSACTION, OR OTHER SERVICES, INCLUDING AN EXTENSION OF CREDIT AT POINT OF SALE.

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37 Federal Trade Commission

38 Manny Madruga Chief Assistant State Attorney (305)

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