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

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

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

Transcription

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

2 Be Aware According to a 2012 report, identity theft is one of the fastest growing crimes in America 1 and it can have serious consequences. We all love the advantages of being connected in today s digital world. We can bank online, shop, , text, share photos and a whole lot more. And we can do it from virtually anywhere with a laptop, tablet or phone. But identity thieves are connected too. And they re smart. They can use modern technology to steal your identity information, take over accounts, get a mortgage or drain your retirement. They can breach a trusted business or organization and compromise millions of identities at once from anywhere in the world. Someone becomes a victim of identity theft every two seconds. 2 The more you understand about identity theft what it is, how information is stolen and what you can do about it, the better prepared you ll be to combat this widespread crime that isn t going away anytime soon. What is identity theft? According to the U.S. Department of Justice, Identity theft is a crime. Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person s personal data in some way that involves fraud or deception, typically for economic gain. 3 Simply put, identity theft occurs whenever someone uses your personal information to pretend they are you. It can be anywhere online, at the bank, at a store or even in interactions with the government or the courts. 1. Identity Theft and Your Social Security Number, Social Security Administration, October Identity Theft Tracking Study, a commissioned survey conducted by Forrester Consulting on behalf of LifeLock. April/May What are Identity Theft and Identity Fraud?. Welcome to the United States Department of Justice. June

3 Identity Theft by the Numbers 1 2 The number of seconds that passes before someone becomes an identity theft victim. 3.5 People who got married, became single, divorced or separated in the past 12 months were 3.5 times more likely to have been an identity theft victim. 2.6 Individuals who retired within the past 12 months are 2.6 times more likely to have been a victim of identity theft. 50 Percentage of identity theft victims in the past 12 months who were notified their personal information may have been compromised due to a data breach. 2.7 Individuals with a new child or those who became pregnant in the past 12 months were 2.7 times more likely to have been a victim of identity theft. 26,000,000 Number of US adults who have been a victim of identity theft in the past 12 months. 2.8 People who bought a new home in the past 12 months were 2.8 times more likely to have been an identity theft victim. 19,000,000,000 Cost, in dollars, of identity theft in the past 12 months. 1. Identity Theft Study, a commissioned survey conducted by Forrester Consulting on behalf of LifeLock, April/May Results are based on survey participant identity theft and life events over past 12 months.

4 How Criminals Steal Your Identity Identity thieves have an arsenal of tools to wreak havoc on your life. Whether you re at work, on the town or sitting at home, you may be vulnerable to identity theft when you least expect it. Here are some of the many techniques identity thieves use to commit their crimes: Data Breaches If you store personal information with any financial or business organization even a huge insurance or medical corporation your identity could be compromised in a largescale data breach. Online Shopping If you mistakenly shop at a fictitious retail website or through unsecured payment systems, your credit and debit cards could be at risk. Phishing These are fake s that can look surprisingly legitimate. If you get tricked into clicking a link or providing information, thieves can get your passwords and account numbers. Malware and Viruses With the number of new viruses, your computer and your information can be hacked through websites, Internet programs or file-sharing networks. Keystroke Logging On public computers, gas pump displays and ATM keypads, criminals can install technologies to record the buttons you press as you enter card numbers or passwords. P2P File-Sharing File sharing sites connect millions of users across the world and they can also connect unsuspecting music fans with viruses and open connections to unsecured networks. Vishing Phone scams that request personal information either by a direct caller or through voice messages can be used to steal your identity. Shoulder Surfing Thieves can stand behind you while you re paying for purchases and watch as you enter passwords or personal identification numbers. Dumpster Diving Some criminals even sort through your trash to find old bills, receipts and other discarded personal information that can be easily stolen. Change of Address Thieves complete a change of address form in your name to divert your mail and get personal information and account numbers. Mail Theft Identity thieves sometimes steal mail from unlocked mailboxes, looking for credit card statements, tax forms or other financial and personal information. Stolen Wallet Some thieves are after more than cash. They re more interested in your credit cards, Social Security and medical cards and other personal identification. ATM Overlays Thieves install these devices at ATM machines and gas pumps to steal your account information when you insert your card. Medical Identity Theft You may not notice this type of theft until it s time for medical treatment or an insurance claim. Crooks can use your name or insurance information to receive medical care. Criminal Record Identity Theft Identity thieves could use your information to falsify court records and avoid paying tickets or being arrested. Social Security Identity Theft Thieves can use a stolen Social Security number to create new Social Security cards, access a number of public records or steal your name and personal information. Tax-Related Identity Theft Using a stolen Social Security number and other personal information, identity thieves can file a fraudulent tax return and receive a refund before you file.

5 Help Stop Identity Fraud Before it Happens Valuable protection tips to help safeguard your personal information. In the Mail At the Bank Avoid placing outgoing mail into unlocked curbside mailboxes. Don t write account numbers or personal information on the outside of envelopes. Have the post office hold your mail if you re leaving town for more than a day or two. Avoid giving personal information over the phone to anyone who claims they are working for a bank or credit card company. Use direct deposit when possible to avoid having a check stolen. Shopping Online In Your Wallet/At Your Home Make sure you re shopping on a secure site. Check to see if the site has a lock image in the search bar and uses an https address. Avoid shopping or banking from public Wi-Fi hotspots. Strengthen your passwords and don t use the same one for all your favorite sites. Shred your documents to keep them out of the hands of criminals. Do not carry your Social Security card in your wallet or purse. Minimize the amount of personally identifying information you carry. Credit and Debit Cards Online and Computer Use credit cards instead of debit cards. You have more protection with a credit card. Thoroughly check all your bank and credit card statements for accuracy. Do not carry more debit or credit cards than are absolutely necessary. Use strong Internet passwords with a combination of upper and lowercase letters, numbers and symbols. Be suspicious of unexpected s asking for personal information. If you sell or discard your computer, physically destroy your hard drive.

6 You ve Become a Victim, Now What? If you re a victim of identity theft, here s how to help take back control of your identity. Step 1 Contact the Police Once you discover you re a victim of identity theft, you should take action right away. File a police report and obtain an incident report number to pursue your case with creditors. Visit your Attorney General s website to find remediation resources. Step 2 Check Your Bank Statements Timing is important to protect your finances. If your account is breached, close it right away and stop payment on any stolen checks. Have your bank activate its check verification service to prevent more checks from being cashed. Contact the Shared Check Authorization Network ( ) to find out if fraudulent checks are being passed in your name. Order a free copy of the ChexSystems report. It lists checking accounts opened in your name ( or Contact businesses that accepted bad checks and let them know you are a victim. Step 3 Contact the Credit Bureaus Identity thieves can open fraudulent lines of credit. The three major credit bureaus may be able to help. You can get a free credit report every year at Closely monitor your credit report. If you become a victim, contact one of the three credit bureaus to set up a fraud alert. That bureau will be required by law to contact the other two. You can place an extended alert on your account for seven years with a police report. You re entitled to two free credit reports within 12 months following your identity theft. You can initiate a credit freeze by visiting one of the credit bureaus; fees vary by state. Credit Bureau Contact Information Equifax: Experian: TransUnion: Step 4 Notify Your Creditors Let creditors know as soon as possible about any suspicious account activity or unauthorized charges. Step 5 Report Your Case to the Federal Trade Commission (FTC) Visit their website at or call IDTHEFT. Step 6 Get Victim Assistance Contact the National Organization for Victim Assistance (NOVA) for additional assistance at or TRY-NOVA.

7 Get Professional Help Put LifeLock Identity Theft Protection to Work for You SAVE 10% for the life of your membership.* Act now! LifeLock.com/GuideOffer Promo Code: GuideOffer LifeLock offers the most comprehensive identity theft protection available and a $1 Million Total Service Guarantee.** No matter how careful you are, no one, not even the police, can prevent all identity theft. And hackers can compromise the personal information of millions of people at a time. You may think you can protect yourself, but what happens if your doctor, insurance company or favorite retailer has a breach? And you may think you re fully protected by your credit card company or bank, but did you know coverage is usually limited to their specific accounts? Industry-leading LifeLock identity theft protection provides a more complete solution than banks or credit card companies alone, and it helps protect your identity better than you can on your own. Whether your identity information is stolen through a breach, online shopping, malware, or someone rummaging through your trash, LifeLock is on the job 24/7 to help detect your personal information being used to get a mortgage, take over your bank accounts, open new accounts at different banks, or even drain your investment and retirement accounts. We can also track multiple credit card transactions at the same time. With LifeLock protection, you re alerted to threats by text, phone or . And if you become a victim, our Certified Resolution Specialists will handle your case every step of the way. 3 Layers of Protection More protection means more peace of mind. LifeLock works to detect fraud, alerts you when we find a threat, and provides Certified Resolution Services. Our advanced technology and professional staff are working for you 24/7/365. DETECT We search over a trillion data points every day looking for threats to your identity. ALERT Our patented LifeLock Identity Alert system will let you know by text, phone or when we find something suspicious. RESTORE If you become a victim while a LifeLock member, a Certified Resolution Specialist will handle your case every step of the way. * Offer is for new LifeLock members only. ** Most comprehensive protection requires LifeLock Ultimate Plus membership. The benefits under the Service Guarantee are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. As this is only a summary please see the actual policy for applicable terms and restrictions at LifeLock.com/legal Checking and savings account application, bank account takeover and retirement account activity alerts require LifeLock Ultimate Plus membership. Network does not cover all transactions. Fastest alerts require member s current address. Phone alerts made during normal business hours. Alerts are modified for demonstration purposes. Credit card transaction alerts require LifeLock Advantage or LifeLock Ultimate Plus membership.

8 Choose Your Level of Protection LifeLock Standard LifeLock Advantage LifeLock Ultimate Plus LifeLock Identity Alert System Black Market Website Surveillance Lost Wallet Protection Address Change Verification Reduced Pre-Approved Credit Card Offers Live Member Support 24/7/365 Certified Resolution Support $1 Million Total Service Guarantee Credit Card, Checking and Savings Account Activity Alerts NEW Data Breach Notifications NEW Fictitious Identity Monitoring Court Records Scanning Online Annual Credit Reports and Scores Checking and Savings Account App. Alerts Bank Account Takeover Alerts Investment Account Activity Alerts NEW Credit Inquiry Activity Online Annual Tri-Bureau Credit Reports and Scores Monthly Credit Score Tracking Fire-Sharing Network Searches Sex Offender Registry Reports Priority Live Member Support 24/7/365 SAVE 10% for the life of your membership.* Act now! LifeLock.com/GuideOffer Promo Code: GuideOffer LifeLock, Inc. 60 East Rio Salado Parkway Suite 400 Tempe, AZ * Offer is for new LifeLock members only. Network does not cover all transactions. The benefits under the Service Guarantee are provided under a Master Insurance Policy underwritten by State National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. As this is only a summary please see the actual policy for applicable terms and restrictions at LifeLock.com/legal

IDENTITY SMART. Resources to Help Against Identity Theft and Fraud

IDENTITY SMART. Resources to Help Against Identity Theft and Fraud IDENTITY SMART Resources to Help Against Identity Theft and Fraud IDENTITY ALERT: The Fight to Help Defend Your Identity and Personal Information A crime with an untraceable weapon, identity theft is creating

More information

IDENTITY ALERT: The Fight to Defend Your Identity and Personal Information

IDENTITY ALERT: The Fight to Defend Your Identity and Personal Information IDENTITY ALERT: The Fight to Defend Your Identity and Personal Information A frightening crime with an untraceable weapon, identity theft is creating anxiety across the country. In fact, 1 incident every

More information

Benefits of LifeLock Ultimate Plus. About LifeLock. 3 Layers of Protection DETECT ALERT RESTORE FACT SHEET LIFELOCK ULTIMATE PLUS

Benefits of LifeLock Ultimate Plus. About LifeLock. 3 Layers of Protection DETECT ALERT RESTORE FACT SHEET LIFELOCK ULTIMATE PLUS FACT SHEET LIFELOCK ULTIMATE PLUS Your bank accounts and credit are a gold mine for identity thieves. LifeLock Ultimate Plus service gives you some peace of mind knowing you have LifeLock s most comprehensive

More information

IDENTITY ALERT: The Fight to Defend Your Identity and Personal Information

IDENTITY ALERT: The Fight to Defend Your Identity and Personal Information IDENTITY ALERT: The Fight to Defend Your Identity and Personal Information A frightening crime with an untraceable weapon, identity theft is creating anxiety across the country. In fact, 2 out of 3 Americans

More information

LifeLock Product Features

LifeLock Product Features LifeLock Product Features LIFELOCK PRODUCT FEATURES AT A GLANCE LIFELOCK STANDARD FACT SHEET LIFELOCK BENEFIT ELITE FACT SHEET LIFELOCK ADVANTAGE FACT SHEET LIFELOCK ULTIMATE PLUS FACT SHEET LIFELOCK JUNIOR

More information

Identity Theft. Protecting Your Credit Identity. August 19, 2016 Presented by: Sgt. John Wittkowski

Identity Theft. Protecting Your Credit Identity. August 19, 2016 Presented by: Sgt. John Wittkowski Identity Theft Protecting Your Credit Identity August 19, 2016 Presented by: Sgt. John Wittkowski All costs for this presentation were underwritten by: Pine Rest Christian Mental Health Services Employee

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

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

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

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

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

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

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

Personal Protection and Peace of Mind with IDProtect

Personal Protection and Peace of Mind with IDProtect INSIDE: Tips to safeguard your identity! Personal Protection and Peace of Mind with IDProtect IDProtectBrochRedesign_v2.indd 1 The Numbers Say It All Will you become a victim of identity theft? For the

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 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

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 Information

Identity Theft Information Identity Theft Information Houston Police Department Criminal Investigations Command Financial Crimes Unit 713-308-2500 The information contained on this page is intended to assist the citizens of Houston

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. 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

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

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

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

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

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

Identity Theft Protection

Identity Theft Protection Identity Theft Protection Email Home EDUCATION on DANGER ZONES Internet Payments Telephone ID theft occurs when someone uses your personal information with out your knowledge to commit fraud. Some terms

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

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

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 The dollar loss suffered because of identity theft from consumers was 343 million in 2002. Federal Trade Commission The number of identity

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

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: 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

Corona Police Department

Corona Police Department By Detective John Alvarez Corona Police Department High Technology Crimes Unit California Penal Code 530.5(a) defines Identity Theft: Every person who willfully obtains personal identifying information,

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

Protecting Yourself From Identity Theft And Fake Check Scams. Faculty. Question. The Law. The Law. The Law

Protecting Yourself From Identity Theft And Fake Check Scams. Faculty. Question. The Law. The Law. The Law Protecting Yourself From Identity Theft And Fake Check Scams Satellite Conference and Live Webcast Wednesday, July 16, 2008 2:00-4:00 p.m. (Central Time) Faculty Monica S. Sheeler Consumer Specialist Office

More information

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 Protection

Identity Theft Protection Identity Theft Protection What is Identity Theft? Identity theft occurs when someone uses your personally identifiable information, like your name, social security number, or credit card number, without

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

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

WHAT IS IDENTITY THEFT?

WHAT IS IDENTITY THEFT? 1 WHAT IS IDENTITY THEFT? IDENTITY THEFT is a serious Crime It disrupts your finances, credit history, reputation and takes money, time and patience to resolve Occurs when someone steals your personal

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

1. Any email requesting personal information, or asking you to verify an account, is usually a scam... even if it looks authentic.

1. Any email requesting personal information, or asking you to verify an account, is usually a scam... even if it looks authentic. Your identity is one of the most valuable things you own. It s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft

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

IDENTITY THEFT. Hawthorne Police Department

IDENTITY THEFT. Hawthorne Police Department IDENTITY THEFT A Quick Reference Guide Hawthorne Police Department Identity theft is when somebody uses your personal identifying information such as your name, address, telephone number, taxpayer identification

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

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

Learn to protect yourself from Identity Theft. First National Bank can help.

Learn to protect yourself from Identity Theft. First National Bank can help. Learn to protect yourself from Identity Theft. First National Bank can help. Your identity is one of the most valuable things you own. It s important to keep your identity from being stolen by someone

More information

Security Breaches. There are unscrupulous individuals, like identity thieves, who want your information to commit fraud.

Security Breaches. There are unscrupulous individuals, like identity thieves, who want your information to commit fraud. IDENTITY THEFT Security Breaches Our economy generates an enormous amount of data. Most users of that information are from honest businesses - getting and giving legitimate information. Despite the benefits

More information

THINGS YOU SHOULD KNOW ABOUT IDENTITY THEFT

THINGS YOU SHOULD KNOW ABOUT IDENTITY THEFT THINGS YOU SHOULD KNOW ABOUT IDENTITY THEFT Compliments of: Fripp Island Security and FIPOA Security Committee November 2013 1 INTRODUCTION Identity theft is a serious crime. It occurs when your personal

More information

Identity Theft. Protecting Yourself and Your Identity. Course objectives learn about:

Identity Theft. Protecting Yourself and Your Identity. Course objectives learn about: financialgenius.usbank.com Course objectives learn about: Avoiding Identity Theft Recognize Phishing Attempts Getting Help for ID Theft Victims Identity Theft Protecting Yourself and Your Identity Index

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

Protecting Yourself from Identity Theft

Protecting Yourself from Identity Theft Protecting Yourself from Identity Theft Guide 4 Because you don t have to be the next victim Desert Schools Money Matters Series Guiding you toward financial success Table of Contents How ID theft happens.............................

More information

Retail/Consumer Client. Internet Banking Awareness and Education Program

Retail/Consumer Client. Internet Banking Awareness and Education Program Retail/Consumer Client Internet Banking Awareness and Education Program Table of Contents Securing Your Environment... 3 Unsolicited Client Contact... 3 Protecting Your Identity... 3 E-mail Risk... 3 Internet

More information

Identity Theft Awareness: Don t Fall Victim to these Common Scams

Identity Theft Awareness: Don t Fall Victim to these Common Scams Identity Theft Awareness: Don t Fall Victim to these Common Scams We want you to understand what identity theft is, how it happens, and how to protect yourself. Please read and familiarize yourself with

More information

Identity Theft: A Growing Problem. presented by Melissa Elson Agency Liaison Office of Privacy Protection - Bureau of Consumer Protection

Identity Theft: A Growing Problem. presented by Melissa Elson Agency Liaison Office of Privacy Protection - Bureau of Consumer Protection Identity Theft: A Growing Problem presented by Melissa Elson Agency Liaison Office of Privacy Protection - Bureau of Consumer Protection Identity Theft What it is How it happens How to protect yourself

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

When Fraud Comes Knocking

When Fraud Comes Knocking When Fraud Comes Knocking Identity theft occurs when someone uses your name, Social Security number, credit card number, or other personal information without your permission. It is a very serious crime.

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

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

Avoid completing forms in email messages that ask for personal financial information.

Avoid completing forms in email messages that ask for personal financial information. INTERNET FRAUD Online scams and viruses are constantly evolving and they threaten the security of computers worldwide. As criminals evolve their tactics, you need to keep your PC's security software (virus

More information

PROTECTION GUIDE Learn the Essentials & Immediate Steps to Protect Your Identity

PROTECTION GUIDE Learn the Essentials & Immediate Steps to Protect Your Identity PROTECTION GUIDE Learn the Essentials & Immediate Steps to Protect Your Identity Identity fraud occurs anytime your personal information is used without your authority and is more than just credit card

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

P.O. Box 15128 Spokane Valley, WA 99215 800.852.5316 www.hzcu.org. Identity Theft Solutions

P.O. Box 15128 Spokane Valley, WA 99215 800.852.5316 www.hzcu.org. Identity Theft Solutions P.O. Box 15128 Spokane Valley, WA 99215 800.852.5316 www.hzcu.org Identity Theft Solutions Table of Contents Identity Theft Risk Assessment 2 Common Practices 3 Preventing Identity Theft 4 Consumer Rights

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 Protection Plans

Identity Theft Protection Plans Identity Theft Protection Plans Legal Resources has partnered with IdentityForce to offer two plan options for identity theft protection for employees at the City of Virginia Beach and Virginia Beach City

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

Preventing. Identity. Theft. Protecting Your Assets

Preventing. Identity. Theft. Protecting Your Assets Preventing Identity Theft Protecting Your Assets 1 What Is Identity Theft? Identity Theft occurs when someone uses your name, address, Social Security number, bank or credit card account number, or other

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

Do s & Don ts Reference website. www.farmersidentityshield.com

Do s & Don ts Reference website. www.farmersidentityshield.com What is identity theft? How do thieves steal an identity? What do thieves do with a stolen identity? How can you find out if your identity was stolen? How long can the effects of identity theft last? What

More information

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain.

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain. Common ID Theft TACTICS. HOW DOES IT HAPPEN? Identity What should I do if I m a Protection PROTECT YOURSELF: OLD-FASHIONED STEALING: Criminals steal your wallet or purse. > Never leave your wallet or purse

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

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

Client Resources SAFEGUARDING YOUR IDENTITY. Your personal and financial information is precious. Protect it by being savvy about identity theft.

Client Resources SAFEGUARDING YOUR IDENTITY. Your personal and financial information is precious. Protect it by being savvy about identity theft. Client Resources SAFEGUARDING YOUR IDENTITY Your personal and financial information is precious. Protect it by being savvy about identity theft. EVERYONE IS AT RISK FOR IDENTITY THEFT. It s an unfortunate

More information

Identity Theft: Knowledge, Preparation, and Planning. Presented by: North Carolina Bar Association Antitrust & Trade Regulation Section

Identity Theft: Knowledge, Preparation, and Planning. Presented by: North Carolina Bar Association Antitrust & Trade Regulation Section Identity Theft: Knowledge, Preparation, and Planning Presented by: North Carolina Bar Association Antitrust & Trade Regulation Section What is Identity theft? Stealing personal information for economic

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

Identity Theft: Prevention & Survival

Identity Theft: Prevention & Survival Identity Theft: Prevention & Survival Crime of the Century Provide By: Nick Sabetta Don t t Let Someone Steal Your Good Name What is Identity Theft? When someone uses your personal information without

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

Money 101: Budgeting, Credit and ID Theft.

Money 101: Budgeting, Credit and ID Theft. Money 101: Budgeting, Credit and ID Theft. Learn more than what s taught in class Freedom brings greater responsibility Today s decisions regarding money affect your future 1 Good money habits Knowing

More information

Protecting Yourself From Identity Theft

Protecting Yourself From Identity Theft Protecting Yourself From Identity Theft We re hearing a lot more about identity theft these days from hackers stealing credit card numbers from big banks and retail stores to individuals opening up credit

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

IDENTITY THEFT WHAT YOU NEED TO KNOW. Created by GL 04/09

IDENTITY THEFT WHAT YOU NEED TO KNOW. Created by GL 04/09 IDENTITY THEFT WHAT YOU NEED TO KNOW Created by GL 04/09 Table of Contents 1. What is Identity Theft? 2. How Do Thieves Steal An Identity? 3. What Do Thieves Do with Stolen Identities? 4. What Can I Do

More information

Protecting Yourself Against Fraud and Identity Theft

Protecting Yourself Against Fraud and Identity Theft Summit Branches are conveniently located in Rochester (8), Seneca Falls (1), Buffalo (2), Syracuse (5) and Cortland (2) Protecting Yourself Against Fraud and Identity Theft A presentation by The Summit

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

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

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Missouri may place a security freeze on his or her credit report by requesting it in writing or by other allowable methods to the consumer reporting agency.

More information

Protect Your Identity. Tips and Tools for Safeguarding Your Personal Information From Being Used Fraudulently

Protect Your Identity. Tips and Tools for Safeguarding Your Personal Information From Being Used Fraudulently Protect Your Identity Tips and Tools for Safeguarding Your Personal Information From Being Used Fraudulently What Is ID Theft? Many people are falling victim to a new breed of criminal known as "identity

More information

Power Against Identity Theft

Power Against Identity Theft Power Against Identity Theft What is Your Identity Theft Probability Score? 1. I pay bills with checks and place them in my mailbox or in a corner postal box. 2. I do not use direct deposit or electronic

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

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

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

Identity Theft Problem and Solutions

Identity Theft Problem and Solutions Identity Theft Problem and Solutions October 7, 2011 Michigan Cyber Summit 2011 Jon Miller Steiger Regional Director The views expressed are those of the speaker and not necessarily those of the FTC or

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

Identity Theft Solutions

Identity Theft Solutions Identity Theft Solutions Your wallet is missing. Thousands of dollars have been charged to your credit cards, your checking account is empty, and loans you never took out appear on your credit report.

More information

Protecting Yourself from Identity Theft

Protecting Yourself from Identity Theft identity theft unit new york county district attorney s office Protecting Yourself from Identity Theft cyrus r. vance, jr. district attorney 5 / 2010 questions and answers Dear Friends, cyrus r. vance,

More information

www.secretser v ice.gov Taking Charge What To Do If Your Identity Is Stolen U.S. Department of Homeland Security United States Secret Service

www.secretser v ice.gov Taking Charge What To Do If Your Identity Is Stolen U.S. Department of Homeland Security United States Secret Service www.secretser v ice.gov Taking Charge What To Do If Your Identity Is Stolen U.S. Department of Homeland Security United States Secret Service message from director PIERSON Technological advances of the

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

What to Know, What to Do

What to Know, What to Do Protecting Your Identity: What to Know, What to Do BRUMMET & OLSEN, LLP Certified Public Accountants t and Consultants t Kedra J. Olsen, CPA February 6, 2014 Overview Identity yprotection Protection from

More information

Log on to: www.idprotectme247.com using Access Code AZ271653 to register and access the benefits provided by IDProtect.

Log on to: www.idprotectme247.com using Access Code AZ271653 to register and access the benefits provided by IDProtect. Banner Federal Credit Union is pleased to offer identity theft protection, powered by IDProtect Identity theft takes a serious financial and emotional toll on its victims. More than 11.6 million Americans

More information

the first ACNB Bank transactionss in ACNB Bank will work number. Information on Thank you

the first ACNB Bank transactionss in ACNB Bank will work number. Information on Thank you Identity theft is a terrible problem in this Information Age. You have already taken the first important step by contacting ACNB Bank immediately. ACNB Bank will work with you every step of the way to

More information

ID Theft Protection Kit

ID Theft Protection Kit ID Theft Protection Kit Congratulations. You ve taken a big step in protecting the power of your credit and your identity. Identity theft is a serious crime. Victims can spend a significant amount of time

More information