IDENTITY THEFT & CREDIT PROTECTION
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1 IDENTITY THEFT & CREDIT PROTECTION David Fox Consumer Protection Specialist North Carolina Department of Justice
2 What is Identity Theft? Identity theft occurs when a thief uses personal information or your Social Security Number to open a new account or get a new credit card in your name.
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4 Protect Your Social Security Number Do not carry your SS card in wallet or purse. Give SSN only when absolutely necessary. Ask why SSN is needed, who has access to it, and how kept confidential. Shred old bank statements, insurance forms, credit apps, etc.
5 Protect Your Money Limit your credit cards. Copy credit cards (front and back) in case card is lost or stolen. Review billing cycles and monthly statements. Contact creditors if bill does not arrive or has unrecognized charges.
6 Credit card applications: (888) 5-OPT-OUT. Junk mail: Mail Preference Service, Direct Marketing Assoc., PO Box 643, Carmel, NY ( Do not leave incoming mail sitting in unlocked mailbox. Protect Your Mail
7 Online Safety Phishing Beware of e- mails that ask to confirm personal information or account numbers. Never send SSN or account numbers by . Do not transmit SSN or account numbers online unless using secure website (look for icon; https) or encryption software. Read privacy policies.
8 File Police Report. Too Late! Change account numbers (CC, Bank, etc.). Contact NC Attorney General (877) 5NO-SCAM ( ) or
9 Used for credit eligibility/ terms, renting homes, employment, etc. For-Profit, Non-Gov t. Security Freeze? Credit Protection Track your credit history: Credit Bureaus (
10 Steps to Correct Credit Report Tell creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. If you are correct, the information provider may not report it again.
11 36% Cap. Military Lending Act (2007) Payday Loans (<91 days, <$2,000). Vehicle Title Loans (<181 days, secured by car). Tax Refund Anticipation Loans. DOD review of loopholes.
12 How to Protect Yourself Only borrow in cases of genuine need. Read and understand everything you sign do not let the lender rush you. Contact military financial counselors. Contact Military OneSource (800)
13 Questions?
14 CARS Jessica Heironimus Consumer Protection Specialist North Carolina Department of Justice
15 What s the Big Problem? Base Taxi Delivery. AS IS Used Cars. Damage Disclosure. Conditional Delivery. Auto Repair.
16 The Danger of AS IS Car Dealer is NOT providing warranty. If car breaks down after purchase, repair costs come out of your pocket.
17 Damage Disclosure If car is 5 years old or newer, seller must disclose if known damage is above 25% of vehicle s value. Regardless of age of car, seller must disclose if known salvage or flood history.
18 How to Protect Yourself Always perform pre-purchase inspection. Check with our office and BBB to find out whether car dealer has any complaints. Carfax Vehicle History Reports are not 100% accurate 100% of the time, but still helpful. Test drive the car.
19 Conditional Delivery (Yo-Yo Sale) Dealer allows buyer to take car before financing approval. Dealer calls later and demands car back. Dealer may try to pressure buyer into signing new, higher interest rate contract. Dealer may try to charge for excessive mileage. Dealer may tell buyer that trade-in is already sold.
20 How to Protect Yourself Ask dealer whether sale is conditional delivery and have them put it in writing. Ask dealer about mileage charges if deal fails and have them put it in writing. Read and understand everything you sign do not let dealer rush you. Be sure to provide accurate information.
21 Unwinding the Deal If financing cannot be obtained: (1) You return car, (2) Dealer returns down payment, and (3) Dealer returns trade-in. Dealer s insurance should cover vehicle until financing is approved.
22 Common Misconceptions No used car Lemon Law in NC. No cooling-off period. Withholding a payment will not make dealer do anything aside from repossess your car.
23 Motor Vehicle Repair Act Repairs over $350 must have a written estimate. Right to estimate may be waived. Shop may not charge over 10% of written estimate. If repair will cost over 10% of estimate, shop must call to obtain permission. If no permission, payment is still required for repairs and services performed up to that point.
24 An Ounce of Prevention Check with our office and BBB to find out whether shop has any complaints. Obtain estimates from multiple shops. Obtain copy of repair estimate before shop begins work. You get what you pay for.
25 Too Late! File Complaint for Recovery in county where shop is located. Call NC DMV License & Theft Inspector in county where shop is located. Consult private attorney. Contact NC Attorney General (877) 5NO-SCAM ( ) or
26 Questions?
27 Consumer Protection Division 20,000 Complaints Annually. TOP TEN TOPICS (Last Year) 10 Telecommunications 9 Internet/Computers 8 Television Services 7 Home Repair 6 Telemarketing Fraud 5 Motor Vehicles 4 Credit and Collections 3 Do Not Call/Unwanted Calls 2 Health Care 1 Lending
28 Thank You! Attorney General Roy Cooper Consumer Protection Division North Carolina Department of Justice 9001 Mail Processing Center Raleigh, NC (877) 5NO-SCAM ( )
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