What to Know, What to Do
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1 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
2 Overview Identity yprotection Protection from what? Warning signs of identity theft How you can reduce your risk
3 What is identity theft? Identity theft: Someone steals your personal information Uses it without permission Usually for economic gain Can damage your finances, credit history and reputation, and healthcare situation
4 Warning Signs How do you know if your identity was stolen? Mistakes or unusual charges on credit card or bank accounts Mistakes or unusual charges on your Explanation of Medical Benefits Regular bills go missing and are not received in the mail Calls from debt collectors for debts that aren t yours Notices from the IRS or problems e-filing your tax returns Calls or mail about accounts in your minor child s name
5 How does identity theft happen? Identity thieves will: steal information from trash, a business, your smart refrigerator or your car trick you into revealing information on the phone or online take your wallet or purse pretend to offer a job, loan, or apartment to get your information
6 How does identity theft happen? Dumpster Diving at home or business Shoulder Surfing or listening in public places Telephone Scams and Preapproved Credit Cards s scams and phishing Hacking (ie Target, Neiman Marcus, TJ Maxx, etc) Your right to a free credit report every 12 months. To order: annualcreditreport.com
7 Reduce Your Risk Identity yprotection means treating gyour personal information with care. Make it a habit. like buckling your seatbelt, or locking your doors at night
8 Reduce Your Risk Read your bank statements, credit card and account statements, and Explanation of Medical Benefits. Look for charges you didn t make. Be alert for bills that don t arrive when you expect them. Follow up if you get account statements you don t expect. File your tax returns as early in the season as possible
9 Reduce Your Risk Respond quickly to notices from the Internal Revenue Service that alert you to: You filed more than one tax return or one has already been filed using your information You owe taxes for a year when you were not legally required to file and did not file You were paid wages from an employer where you did not work If someone has used your Social Security number on a tax return, contact IRS s Specialized Identity Theft Protection Unit
10 Reduce Your Risk For tax refund fraud- File Form Identity Theft Affidavit File police report with the local police department Receive PIN from IRS for subsequent filing Secure your Social Security Number. If someone asks for it, ask: Why do you need it? How will it be used? How do you protect it?
11 Reduce Your Risk Protect Your Personal Information. Keep your important papers secure. Be careful with your mail. Shred sensitive documents. Don t overshare on social networking sites.
12 Reduce Your Risk Be alert to online impersonators. Do you know who is getting your personal information? Don t click on links in s. Contact customer service.
13 Reduce Your Risk Protect your computer. Use anti-virus software, anti-spyware software, and a firewall. Create strong passwords. Keep your computer s operating system browser and Keep your computer s operating system, browser, and security up to date.
14 Reduce Your Risk Protect your computer. Encrypt your data. There are software programs for this. Be wise about wi-fi, both at home and use in public
15 Reduce Your Risk Protect your computer. Lock up your laptop. Read privacy policies.
16 What to do if someone has stolen your identity? Act fast to limit the damage. Take these steps immediately.
17 If your identity is stolen STEP 1: Place an initial fraud alert on your credit report. Contact any one of the three nationwide credit reporting companies. Equifax Experian TransUnion
18 If your identity is stolen Step 2: Order your credit reports and notify your credit card companies and banks. After this is done, notify other creditors such as utilities, Internet provider, etc. Contact each of the three credit reporting companies. ID theft victims get a copy of their reports for free. Read your reports carefully and correct any errors.
19 If your identity is stolen Step 3: Create an Identity Theft Report. Gives you rights that help you to recover more quickly. File a complaint with the FTC. Ftc.gov/complaint or This will become your FTC Affidavit. Contact the Internal Revenue Service Contact the Illinois Attorney General s Office File a police report.
20 Your FTC Affidavit and police report make an Identity Theft Report.
21 Contact the FTC, IRS and Illinois Attorney General s Office File an identity theft complaint with the FTC: ftc.gov/complaint ID-THEFT Learn more identity theft: ftc.gov/idtheft Contact IRS Identity Protection Specialized Unit , ext Lisa Madigan, Illinois Attorney General, ID Theft Hotline
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