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1 Identity Theft Protecting Your Credit Identity

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

3 Identity Theft $230,000,000,000 lost in identity theft each year around the world. 8.3 million cases in the U.S. in 2005 Federal Trade Administration

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 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

6 Identity Theft How Identity Theft Occurs & Prevention

7 Mail 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.

8 Wallets and Pocketbooks 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.

9 Bills Dumpster Diving steal bills containing consumer s name, address, phone number, bank or credit account numbers, or social security. Prevention: Don t leave statements lying around. Pay attention to billing cycles and follow up if bill does not arrive on time.

10 Passwords 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.

11 Work Records Prevention: Ensure personal records are locked securely with limited access by employees.

12 Pre-Approved Credit Cards Prevention: Shred any credit card offers received and not used. Cut up any pre-approved credit cards not used.

13 Bank Account Information Prevention: Don t leave statements lying around. Use passwords. Don t have checks mailed home. Pick them up at the bank.

14 Social Security Number 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.

15 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. Carry cards in separate holder from wallet. Sign back of cards stating Please see I.D.

16 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.

17 Phone/Internet Phishing- scam claiming to be a legitimate business requesting personal information Prevention Never give out personal info over the phone links Links go to copy cat sites Type in website address yourself

18 Credit Reports Credit Reports report that includes all the accounts a person has, social security number, & personal information. Prevention: Check credit report once per year. Don t leave reports lying around.

19 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:

20 Identity Protection Shopping Online

21 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.

22 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.

23 Identity Theft What to Do if Identity Theft Happens

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

25 FTC Video Link to video online

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