Your ID, My ID

AGA/ACFE

Fraud and Technology Seminar

October 17, 2007

What Crooks Look For:

PeoplePlacesThingsEvents

People

Many Different Search Capabilities Free or Fee-For-Service Addresses & Phone Numbers Other Relations A LOT of information is already tracked A LOT of people know WHO YOU ARE

People Yahoo People Search, White Pages, 411 ZabaSearch Intelius Veromi Reverse Look-ups

Phone Numbers Addresses

Check Point, Lexis-Nexis

Places

Maps & Directions2D, 3D, & Arial

Place Names or Locations Physical Addresses and Areas

Things

Topical Searches Boolean Logic Refine and Narrow Results Acronyms and Aliases/AKAs Common Misspellings

Events

Who, What, When, Where, How Known Particulars & Facts Possible/Plausible Circumstances Boolean Logic Welcome to the “Else’s”

Who Else, What Else, When Else, etc.

Boolean Logic

Mathematical in Nature Use of “AND”, “OR”, and “NOT”

Also includes exact counterparts“But Not” is synonymous with “And Not”

Elements and Sets

Use of Quotation Marks

Use of Character Strings

SSN Death Index

SSDI DatabaseFairly Robust Search Capabilities

Examples of Searches

Let’s Find Ross McDonaldName? Address? Telephone Numbers? Other Info?Which is the “right” Ross?

What Other Info is Available about Ross?

What If Your ID is Stolen?

1st Four Steps to Consider:1. Place a Fraud Alert on your Credit Report

o Review your Credit Reports Once Fraud Alert Placed, You can get a copy of your credit report

from each company Ask Credit Reporting companies to only list your last 4 digits of

your SSN on their reports

2. Close Accounts that have been tampered with or fraudulently opened

o Call the security or fraud department of each company which has the account

o Send info via certified/return receipt mail

o Never send originals, only copies

o File a dispute on any charges in question

What If Your ID is Stolen?

3. File a complaint with the FTCo Use online form or call 1-877-ID THEFT

o Sharing info with FTC allows sharing across all states

o Provide copy of FTC complaint to police to include in their police report

o Constitutes an ID Theft Report

o Can be used to permanently block info from being filed on your credit report, ensures debts do not reappear on your credit report, prevents a company from attempting to collect on debts resulting from ID theft, and places an external fraud alert on your credit report.

What If Your ID is Stolen?

4. File a Report with your Local Policeo Check also with AG Office

o Bring FTC complaint, letters, and other supporting documentation

o Ask that FTC complaint be incorporated in their report

o Ask for copy of Local Police ID Theft Report

o Use to dispute other instances, as they arise

What If Your ID is Stolen?

What is a Fraud Alert Good For?

Initial Fraud Alert is good for 90 days on Credit Reports

o Keeps thief from opening new accounts

Extended Fraud Alert is good for 7 years

o Potential creditors MUST contact you directly

o Consumer reporting agencies MUST remove your name from marketing lists for pre-screened offers for 5 years, unless you ask them to put you back on their lists

Search Engines Google http://www.google.com/ Yahoo http://www.yahoo.com/ Dogpile http://www.dogpile.com/ AltaVista http://www.altavista.com/ WebCrawler http://www.webcrawler.com/ MetaCrawler http://www.metacrawler.com/ Lycos http://www.lycos.com/ Ask http://www.ask.com/ MSN http://www.msn.com/

People Look-Ups/Search/Finder Yahoo People http://people.yahoo.com/ AnyWho (AT&T) http://www.anywho.com/ People Lookup http://www.peoplelookup.com/ InfoSpace http://www.infospace.com/ WhitePages http://www.whitepages.com/ AOL People Lookup http://peopleconnection.aol.com/main/ Veromi www.veromi.net Intelius www.intelius.com Zabasearch www.zabasearch.com

Reverse Look-Ups/Search/Finder

People Lookuphttp://www.peoplelookup.com/reverse-phone-lookup.html

MSN http://www.whitepages.com/reverse_address

Pay Sites US Search

http://www.ussearch.com/consumer/allproducts.jsp CheckPoint Systems

http://www.checkpointsystems.com/ Lexis-Nexis http://global.lexisnexis.com/us Searchsystems.net http://www.searchsystems.net/

Other Information

Mapshttp://maps.yahoo.com News Sources Many, many, many Business Look-up Dunn & Bradstreet,

Manta, etc. Internet Sites Whois Old SSNs/Death Index http://ssdi.rootsweb.com

How Your ID Can Be Stolen

Readily Available Public Records Purchased Records and Other Info Credit Reports Credit Offers – Email, Phone, Mail Other Phone/Email/Mail Phishing Scams Information from others, such as family

Interception of Records (electronic or hardcopy) Legitimate Purchase of Records & Info Stolen from a 3rd Party Malware, Cookies, & Key Loggers Compromised Websites ISP Intrusions Many Other Ways

How Your ID Can Be Stolen

Any Questions?