Identity Theft: A Good Name Gone Bad
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Identity Theft: A Good Name Gone Bad www.idthedtcenter .org
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Identity Theft: A Good Name Gone Bad. www.idthedtcenter.org. Consider who might look you up:. College administrators Current employers Prospective employers Students Colleagues Peers Scam artists and crooks. Professional and personal are being fused together thanks to…. - PowerPoint PPT Presentation
Transcript of Identity Theft: A Good Name Gone Bad
Identity Theft:A Good Name Gone Bad
www.idthedtcenter.org
Consider who might look you up: College administrators
Current employers
Prospective employers
Students
Colleagues
Peers
Scam artists and crooks
Professional and personal are being
fused together thanks to…
Social networking particularly particularly has changed has changed the way we the way we interact…interact…
•Your friends; who they are / what they do
•Your personal life / interests
Identity now extends to…
You are Bob Smith…You are Bob Smith… YouYou sign up to social sign up to social
networking sitenetworking site YouYou add your colleaguesadd your colleagues YouYou also add your friend also add your friend YouYou keep it professional / keep it professional /
managedmanaged Your friend finds a pic he Your friend finds a pic he
took a couple of years ago took a couple of years ago and adds it to his page and adds it to his page tagging it “tagging it “Bob SmithBob Smith – – night to remember…”night to remember…”
http://www.flickr.com/photos/bre/532019377/
You only get one chance to make a first impression!
Going for a Job Interview
What is Identity Theft? When someone obtains and illegally When someone obtains and illegally
uses your identity information, such as uses your identity information, such as name, address, date of birth, social name, address, date of birth, social security number (SSN), or mother’s security number (SSN), or mother’s maiden name to:maiden name to:
Open new credit card accountsOpen new credit card accounts Drain your bank accountsDrain your bank accounts Purchase automobilesPurchase automobiles Apply for loansApply for loans Open utility servicesOpen utility services File for bankruptcyFile for bankruptcy
How Can This Impact You? Damaged credit report & score Loss of job opportunities Refused loans: education, housing, or cars Spend months or years cleaning up the
mess Mean fraud amount per victim:
2007: $5,720 2006: $6383 2005: $5,993
Number of hours spent resolving problems: 2007: 25 hours 2006: 40 hours 2005: 28 hours
Worst case scenario: Victim is arrested
Signs of Identity Theft/Fraud
Denied credit Failure to receive expected mail Unsolicited “Change of Address” notice Receiving credit cards that you didn’t apply
for Receiving calls or letters from debt collectors Newly opened accounts on your credit report Increased insurance rates as a result of a
lower credit score Offered less favorable credit terms, like a high
interest rate
How Do Crooks Get Information?
Stealing wallets and pursesStealing wallets and purses
Stealing MailStealing Mail
““Dumpster Diving”Dumpster Diving”
Getting Credit Reports illegally by posing as an Getting Credit Reports illegally by posing as an employer, loan officer or landlord employer, loan officer or landlord
Hacking personal computers or customer files for Hacking personal computers or customer files for social security numberssocial security numbers
Stealing PIN’s by shoulder surfing at ATM’s and phone Stealing PIN’s by shoulder surfing at ATM’s and phone boothsbooths
Open’s a new account in your nameOpen’s a new account in your name
Changes the billing addressChanges the billing address
Rings up charges before your e-mail catches up to youRings up charges before your e-mail catches up to you
Takes out a loan for a car, establishes phone service, Takes out a loan for a car, establishes phone service,
buys a flat screen TV, etc.buys a flat screen TV, etc.
Authorizes electronic transfers on charge accountsAuthorizes electronic transfers on charge accounts
Drains your accountDrains your account
Files for bankruptcy to avoid paymentsFiles for bankruptcy to avoid payments
Pretends to be you during an arrest Pretends to be you during an arrest
A Crook Has Your Profile Date: Now What?
The camera shown installed and ready to capture PINs by looking down on the keypad as you enter your PIN.
The PIN reading camera being installed on the ATM is housed in an innocent looking leaflet enclosure
The equipment as it appears installed over the normal ATM bank slot.Equipment being installed on front of existing bank card slot.
Key Catcher Attached to ATM
Point of Sale Skimmer 2” Hand Held Skimmer
What is Phishing?
Luring victims to a safe website through spam
What is Vishing?
Practice used to convince people over the Practice used to convince people over the to give up personal information by to give up personal information by claiming they are a representative pf your claiming they are a representative pf your financial institution.financial institution.
Can be done by:Can be done by: Land PhoneLand Phone E-MailE-Mail LetterLetter TextingTexting
What is Pharming?
SpoofingCreating a replica of a legitimate website to fool
you into submitting personal, financial, or password data.
If You Suspect Fraud
File a Police Report
Review your Credit Report annually Contact the 3 credit bureaus
immediately
Place a Fraud Alert on your accounts Initial Extended Active military alert
The 3 D’s of Protection Deter identity thieves by
safeguarding your personal information.
Detect suspicious activity by routinely monitoring your financial accounts and billing statements.
Defend against identity theft as soon as you suspect a problem.
Protect Yourself
Shop “safely” online Shop only with companies you know Pay only with credit cards Track online purchases Use a secure browser Avoid providing personal information Hang up on telemarketer, if
uncomfortable Shred old receipts, checks and mail
How to Protect Your Identity:
Don’t carry extra credit cards, social security card, birth certificate or passport or their “NUMBERS.”
Keep important papers in a safe deposit box or lockable file at home.
Guard your mail: Install locked mailbox to avoid mail theft.
Don’t have new checks mailed to your house, pick them up.
Place paid bills inside a post office, not in your mailbox.
NEVER give out your social security number.
Keep your credit card receipts. Don’t toss them!
Keep your eye on cards at restaurants, retail stores, gas stations, etc.
Resources to Help You Request a FREE Credit report annually
Call (877) 322-8228 Online at www.annualcreditreport.com
NO CALL Program Call (866) 966-2255Online www.nocall.wisconsin.gov
Opt Out of credit card offers Call (888)567-8688 or Online at www.optoutprescreen
Office of Privacy Protection Call (800) 422-7128 Or (608) 224-5163 Online www.privacy.wi.gov
Credit Reporting Agencies Equifax Fraud Division
800-525-6285 P.O. Box 740241 Atlanta, GA 30374-0241 www.equifax.com
Experian Fraud Division 888-397-3742 P.O. Box 9532 Allen, TX 75013 www.experian.com
TransUnion Fraud Division 800-680-7289 P.O. Box 6790 Fullerton, CA 92834-6790 www.transunion.com
But It Shouldn’t
