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What is Identity Theft?

What is Identity Theft?. Identity theft occurs when a criminal uses another person's personal information to take on that person's identity. Identity theft is much more than misuse of a Social Security number, it can also include credit card and mail fraud. Protecting Your Identity.

hermione-hodge
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What is Identity Theft?

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  1. What is Identity Theft? • Identity theft occurs when a criminal uses another person's personal information to take on that person's identity. • Identity theft is much more than misuse of a Social Security number, it can also include credit card and mail fraud.

  2. Protecting Your Identity • Services of Protection: • LifeLock • Trusted ID • ID Watchdog • Identity Guard • Equifax • $9-14/monthly

  3. ID Protection • Hide and protect your name, address, and Social Security number. • Once a year, order your credit report from all three credit report agencies. • Read credit statements accurately for any inaccurate information that you did not extract money from that account.

  4. To Protect Your Identity… • Keep your SSN off your checks and driver’s license and out of your wallet. • Please do not divulge you Social Security Number to anyone!

  5. Computer Related Concerns • Don’t send or put out any information of your address, SSN, and telephone numbers • People can hack into your account and take your identity, money, credit, etc.

  6. Internet Concerns • If you purchase items from the internet, make sure there is a security lock and key icon or https before the website url. • This will insure protection for your security, passwords, etc.

  7. Remember Your Information • Make sure you keep your passwords and special numbers in a safe environment • Keep track of your use of your passwords at websites you log onto

  8. The Risk of Credit Cards • Easy to use and very popular to have. • Many people use credit cards, debit cards, etc. • The risk of using these cards are at a very high risk of getting stolen and easy for someone to get your password.

  9. If someone steals your cards… • … then you’re going to lose tons of money if they have your card and you password/pin number. • They can use the card for internet shopping and buy anything they want spending all your money. • They can duplicate your card and create counterfeit cards.

  10. Credit Card Fraud Statistic… • Each circle is a fraudulent transaction in one particular fraud case, over several months. Circle radius represents dollar amount. Color represents regency, from blue (old) to red (new). The fraud spread from the East to the West coast, as you can tell by the colors.

  11. Stolen Wallet/Purse • If your wallet or purse has been stolen… • Close any bank accounts of cards and what not that are active. • Change your passwords from any online accounts

  12. What Should I Do? • Place Fraud Alerts on your credit reports • Contact Police and proper authorities for help • Record and Save important knowledge of where and what happened of your lost belongings

  13. Important Numbers… • Credit Card Bureaus: Equifax (800) 525-6285. Experian (888) 397-3742. TransUnion (800) 680-7289. • File a Complaint: (877) ID-THEFT or (877) 438-4338

  14. Online Phishing • "Phishing" is a term invented by computer hackers, who use email to fish the Internet hoping to hook you into giving them your logins, passwords and/or credit card information.

  15. Why should I be aware of Phishing? • Because the phisher first impersonates a legitimate company such as your own internet service provider, or your auction site or a financial institution. • Then they ask for your important information. Its like they’re asking for all your money on a silver platter.

  16. Example of Phishing • You can be phished from anything on the internet, e-mails, myspace, etc. • It’s basically a fake page you log into, but you think it’s the real page. • The page asks for your e-mail and password or credit card information, and it sends all that information to the phisher.

  17. Scams and Rip-offs • People can scam/rip-off the things that interest you such as everyday items, credit cards, advertisements. • Scam artists interest you into buying something worthless and make you pay more than the intended price • False advertising a product

  18. Credit Card Scams/Rip-Offs • Credit card sellers can do whatever to sell you a credit card. • They have to ability to lie, cheat, and persuade you to buy a card. • They can convince you that if you get a credit card, they can give you a $1,000,000 cash back, but it’s all a lie

  19. False Advertising • Advertising is very misleading. • Advertising has the potential to persuade people into commercial transactions that they might otherwise avoid. • An advertisement might read “FREE*” • That “*” reads “*only if you buy three of this product, you get one free”

  20. Conclusion: Identity Theft • Keep your identity safe! • If you’re a victim, I hope this presentation helped you. • Be aware about your credit cards, money, passwords. • Watch out, it can happen to YUAAA!

  21. References • http://www.ftc.gov/bcp/edu/microsites/ • www.usdoj.gov/criminal/fraud/websites/idtheft.html • www.identitytheft.org/ • en.wikipedia.org/wiki/Identity_theft • www.idtheftcenter.org/ • www.privacyrights.org/identity.htm • www.ed.gov/about/offices/list/oig/misused/

  22. References • www.fightidentitytheft.com/ • www.bbbonline.org/IDtheft/ • www.ou.edu/oupd/idtheft.htm • www.onguardonline.gov/topics/ • myfloridalegal.com/identitytheft • www.fdic.gov/consumers/consumer/alerts/theft.html

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