Washington State Department of Financial Institutions “Regulating financial services to protect...
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Transcript of Washington State Department of Financial Institutions “Regulating financial services to protect...
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Who’s in YOUR Wallet?Identity Theft
(take notes on information in red)
Make the right moves to protect yourself
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Definition of ID Theft
Wrongfully acquiring and using a consumer’s personal identification, credit or account information
ID THEFT IS FRAUD
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Who’s Been A Victim Of ID Theft?
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
What are 5 Pieces
Of Information that
ID Thieves Need to
Steal Your Identity?
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Your Legal Name
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Your Address
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Your Birthday
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Your Drivers License ID
(which has all of the previous information, except…)
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Your Social Security Number
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Another piece of information that banks use to identify you …
YOUR MOTHER’S MAIDEN NAME
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Inside ID Thieves Toolkits
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
What is Phishing?
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
No Not Fishing
Phishing - a technique where ID thief
sends an email to solicit personal info:
Don’t Click Links In Unsolicited E-Mails
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Dumpster Diving
Make The Right Move:
Shred Your Documents
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Hacking
Make The Right Move:
Secure Your Computer
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Scams To Watch Out For
For In 2009
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
WHAT IS A SCAM
Fraudulent or deceptive schemes to get consumers to part with something of value
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
1) Job Recruitment ScamsThey will ask for your SS#
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
2) SmishingSimilar to Phishing using text messages
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
3) Wireless Hacking
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
4) Skimming DevicesCheck to see if anything looks unusual around ATM machines
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
4) Skimming Devices
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
4) Skimming Devices
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Stop ID Thieves
http://www.youtube.com/watch?v=00m_w6904JM
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Ways to Protect Your Personal Information
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Keep tabs on your Accounts-read statements, know due dates
Leave your SSN card in a
safe place at home
Shred Documents & Mail
(Cross-Cut)
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Secure Your Computer
Make Sure Operating System Security Patches Are Up To Date
Use Anti-Virus & Firewall-- Update your virus definitions
Make Sure Your Network Is Secured-- Wireless security settings
Use Strong Passwords – Change Frequently
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Stop The Solicitors!
Opt Out Of Junk Mailwww.optoutprescreen.com or
1–888–567–8688
Stop Telemarketershttps://www.donotcall.gov/
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Monitor Your Credit Report
Request Your Free Credit Reportwww.annualcreditreport.com
1 a year from each of the 3 bureaus
If You Notice An Error On The ReportContact and dispute it with the credit reporting agency right away!
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Credit ScamsOpt out of credit card offers
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
What To Do If You’re A Victim?
“Don’t Try This at Home”http://www.youtube.com/watch?v=KcvIpsf-ENY
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
1. Contact your Financial Institution.
2. Close the account.
3. Place a fraud alert on your credit reports.
Equifax: 1-800-525-6285Experian: 1-888-EXPERIANTransUnion: 1-800-680-7289
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
4. File A Police Report
5. File A ComplaintAttorney Generals Office: www.atg.wa.gov
6. Consider A Security Freeze
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Security FreezesIdentity theft victims and adults ages 65 and older are able to place a freeze for free.
Consumers who aren't entitled to a free freeze pay up to $10 per bureau.
As of Sept. 1, 2008, anyone can request a security freeze.
Requesting A Freeze http://www.atg.wa.gov/freezecharts.aspx
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Security Freeze “Thaw”Request a 15-Minute Thaw
Contact each CRAProvide proper identificationProvide your PIN or PasswordSet the temporary time period when your credit report may be viewed
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Go to Moodle – Task 5.2 & complete the “ID Theft Websearch Assignment”
You may want to use the Teachmeaboutmoney.org/adults/identity-theft website to answer the questions
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Create your own ID Theft Brochure
Using the rubric given out in class, research and inform consumers
about identity theft and what can
be done if you become a victim
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Washington State Department of Financial Institutions“Regulating financial services to protect and educate the public and promote economic vitality.”
Office of Crime Victims Advocacy
Voice within government for the needs of crime victims in Washington State
(800) 822-1067 Hotline