Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity...

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Identity Theft What You Need to Know

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Transcript of Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity...

Page 1: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Identity Theft What You Need to Know

Page 2: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Learning Goals

Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what to do if you become a victim Learn ID Theft prevention tips Learn available resources

Page 3: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Do You… Have a checking account? Have a savings account? Have a credit card, or 10? Own a home? Plan on buying one someday? Own a vehicle? Plan on buying one soon? Care about a great credit rating?

Page 4: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

If so…

Identity TheftShouldScare You To

Death!

Page 5: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Identity Theft

Page 6: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Who owns A Shredder?

Page 7: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

What’s The Difference?

ATM/Debit CardVISA Check CardVISA Credit Card

Page 8: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Identity Theft Defined-Identity theft or identity fraud (true

name fraud) is the taking of the victim’s identity, without their permission, to obtain credit, credit cards from banks and retailers, steal money from the victim’s existing accounts, apply for loans, establish accounts with utility companies, rent an apartment, file bankruptcy or obtain a job using the victim’s name.

Page 9: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Per Florida State Statute 817.568

Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individual's consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082,

s. 775.083, or s. 775.084. If fraud totals over $75,000, it’s a felony of the second degree.

Page 10: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

What is “Phishing”

Phishing is a term to describe the use of legitimate looking e-mails that request the recipient to enter personal information such as credit card numbers, passwords, banking info, etc.

Page 11: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

About Phishing Emails from legitimate companies are copied to

trick consumers into giving confidential information: passwords, credit card numbers and expiration dates, bank account numbers, etc.

Even experts cannot tell by looking at the messages or the web site to which you are directed that this message is a forgery

Understand that no legitimate company ever asks you to validate personal information via an email

Never respond even when you do business with that company. Call them yourself!

Page 12: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Startling Facts Identity Theft fasting growing crime in the U.S Cost victims of identity theft $52.6 billion dollars in 2004 Of 635, 173 complaints received by the FTC in 2004 246,

500 were ID theft and 388, 603 were fraud complaints 9.9 million number of victims last year alone Most victims don’t know they’re victims until it’s too late Crime with very low risk and a high reward Not cost effective for large firms to prosecute Most victims have to “prove” their own innocence

Page 13: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Startling FactsIt takes appx. 12.7 months between the date your identity theft occurred and the time you notice it (appx 30 hours to resolve problems)Average sentence less than five years$3,500 is the average bank robbery take13 years is the average sentence

Page 14: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

How Is Your Identity Stolen?

Lost Wallet Stolen Credit Cards Stolen Checks Waiters/Waitresses Doctor’s Office Dentist’s Office Accountant's Office Work Place

Heath Insurance Carrier Check Processing Center Standing In Lines Your Trash Bank Your Mailbox Internet Use Friends and Family You Personally

Page 15: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

How Victims Discover Identity Theft

26 % Receive alerts from a credit card company or bank

9 % Are victims of a theft such as a purse snatching

8 % Are rejected when they apply for credit 52% Notice problems with their accounts

Page 16: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

What To Do If You Become a Victim

Call and cancel affected credit cards Call local law enforcement agency Call all four major Credit Reporting

Bureaus Close affected checking account Notify local Social Security office Request a copy of your credit report Remain diligent until your name is cleared

Page 17: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

I. D. Theft Prevention Order a copy of your credit report annually Place passwords on your credit card, bank

and phone accounts Guard your personal information Watch for suspicious people at ATM’s and

in check out lines Purchase, and use, a cross-cut shredder Send checks via post office, not from home

Page 18: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

I. D. Theft Prevention Purchase firewall software Update virus protection regularly Do not carry credit cards that you never use Consider closing unused credit accounts Ask your doctor, dentist, accountant,

lawyer, etc. what they do with your personal information

Ask cashiers to check your ID, thank those that do

Page 19: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

I. D. Theft Prevention Pay close attention to credit card and

banking statements Be aware of fraudulent scams such as

Phishing Keep your purse under lock and key while

at work Do business, via phone or Internet, with

companies that you initiate And finally…..

Page 20: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

SHREDEVERYTHING

BEFORE DISCARDING!!!

Page 21: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Easy Tip For the Public-Remember- ”SCAM”

S- Be “Stingy” with your personal info

C- “Check” your financial info regularly

A- “Ask” periodically for you credit report

M- “Maintain” careful financial records

Page 22: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

I. D. Theft Prevention

Page 23: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

A Special Word About Your Social Security Number

“Your employer and financial institution will likely need your SSN for wage and tax reporting purposes. Other businesses may ask you for your SSN to do a credit check, like when you apply for a loan, rent an apartment, or sign up for utilities. Sometimes, however, they simply want your SSN for general record keeping. You don’t have to give a business your SSN just because they ask for it. If someone asks for your SSN, ask the following questions:

Page 24: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

A Special Word About Your Social Security Number

Why do you need my SSN? How will my SSN be used? What law requires me to give you my SSN? What will happen if I don’t give you my SSN? Sometimes a business may not provide you with

the service or benefit you’re seeking if you don’t provide your SSN. Getting answers to these questions will help you decide whether you want to share your SSN with the business. Remember, the decision is yours.”

Page 25: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Credit Bureaus Equifax www.equifax.com

1-800-525-6285 Experian- www.experian.com

1-888-397-3742 TransUnion- www.transunion.com

1-800-680-7289Innovis Inc.

Consumer OPTOUTPO Box 219297

Houston, TX 77218-9297You can contact all four companies and stop them from selling your credit info by calling one

toll free number: 1 888-567-8688, 24 hrs a day

Page 26: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Identity Theft Resources

www.identitytheft.org www.consumer.gov/idtheft/index.html Federal Trade Commission-www.ftc.gov Social Security Admin.-www.ssa.gov IRS- www.irs.gov Secret Service-  www.treas.gov/usss Postal Service- www.usps.com National Fraud Clearinghouse-www.fraud.org

Page 27: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Summary ID Theft is the fastest growing crime in

U.S. Your identity can be stolen in a number of

ways You can also be a victim in a number of

ways Many times you are a victim long before

you know it Prevention is the key SHRED EVERYTHING!!!!

Page 28: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Booklet When Bad Things Happen To Your Good Name

For a free copy of this Booklet go to the Federal Trade Commission website and download a copy.

www.consumer.gov/idtheft

Page 29: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Questions?

Page 30: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Identity Theft Awareness

Officer Jeannette Emert, Crime Prevention Practitioner

University of Central Florida Police Department Work phone #407-823-6576 [email protected]

Page 31: Identity Theft What You Need to Know. Learning Goals Define Identity Theft Learn how your identity is stolen Learn how you become a victim Learn what.

Thanks For Coming


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