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1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Protecting Your Credit Identity
Identity Theft
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer’s personal identification, credit, or account information.
Identity Theft
1.3.1.G1
Identity Crisis-Postal Service DVD
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Identity Theft• $230,000,000,000 lost in
identity theft each year around the world.
• 8.3 million cases in the U.S. in 2005
• Federal Trade Administration
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
• Name• Address and Telephone Number• Social Security number• Driver’s license number• Bank account numbers• Credit card numbers• Passwords• Bills
Personal Identification Information Includes
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
• To apply for a new driver’s license
• To open new bank accounts• To apply for credit cards or store
credit accounts• To obtain cash with bank cards• To get a job• To rent an apartment• To make retail purchases
How Information Can Be Used
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Identity Theft
How IdentityTheft Occurs
& Preventio
n
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Prevention:• Deposit outgoing mail in post office
collection boxes not unsecured mailboxes.
• Promptly remove mail from mailboxes.
• If on vacation, put a hold on mail.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Wallets and Pocketbooks
Prevention:• Don’t leave it in plain site.• Don’t hang from chair at public
place.• Use a purse which closes securely.• Carry only what is absolutely
needed.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Bills
• Dumpster Diving– steal bills containing
consumer’s name, address, phone number, bank or credit account numbers, or social security.
Prevention:• Don’t leave statements lying
around.• Pay attention to billing cycles
and follow up if bill does not arrive on time.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Passwords
Prevention:• Don’t give password to
anyone.• Don’t write passwords down
where others may find them.• Create unique passwords
using a combination of numbers and letters.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Work Records
Prevention:• Ensure personal records are
locked securely with limited access by employees.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Pre-Approved Credit Cards
Prevention:• Shred any credit card offers
received and not used.• Cut up any pre-approved
credit cards not used.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Bank Account Information
Prevention:• Don’t leave statements lying
around.• Use passwords.• Don’t have checks mailed
home. Pick them up at the bank.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Social Security Number
Prevention:• Never give our social security
number.• Ask for alternate number on
driver’s license, insurance cards, and other materials.
• Do not carry social security card unless necessary.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
ATM, Credit and Debit CardsPrevention:• Don’t leave cards lying
around.• Carry only those which will be
used.• Use debit cards which require
a PIN number.• Carry cards in separate
holder from wallet.• Sign back of cards stating
“Please see I.D.”
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
ATM, Credit and Debit CardsPrevention cont.:• Have a list of all cards and account
numbers.• Don’t give out account number
unless making a purchase.• Keep track of all receipts.• Destroy papers with card numbers
on them.• Check statements for unauthorized
charges.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Phone/Internet
• Phishing- scam claiming to be a legitimate business requesting personal information
• Prevention– Never give out personal info over the
phone – E-mail links
• Links go to copy cat sites • Type in website address yourself
1.3.1.G1
Web of Deceit-Postal Service DVD
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Credit Reports
Credit Reports – report that includes all the accounts a person has, social security number, & personal information.
Prevention:• Check credit report once per year.• Don’t leave reports lying around.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Equifax P.O. box 105873 Atlanta, GA 30348
Report order:
1-800-685-1111
Fraud Hotline: 1-800-525-6285
www.equifax.com
Experian P.O. Box 2104
Allen, TX 75013-2104
Report Order: 1-888-397-3742
Fraud Hotline:
1-888-397-3745
www.experian.com
Trans Union P.O. Box 390
Springfield, P.A. 19064-0390 Report Order:
1-800-888-4213
Fraud Hotline: 1-800-680-7289
www.tuc.com
3 Credit Reporting Agencies
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Identity Protection
ShoppingOnline
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Safety Tips for Shopping Online
1. Know the real deal• Get all details before buying including
prices, delivery time, warranty information, and return policies.
2. Look for clues about security• Make sure the browser states “https”
or “shttp” indicating it is secure.
3. Use a credit card• Credit cards are the safest way
because a person has the legal right to dispute charges.
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Safety Tips for Shopping Online
4. Use an escrow service• An escrow service will hold a person’s
money until confirmation of the product or services has been received.
5. Keep proof handy• Print and file all information in case
needed later.
1.3.1.G1
Truth or Consequences- Postal Service DVD
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Identity Theft
What to Do if
Identity Theft
Happens
1.3.1.G1
© Family Economics & Financial Education – Revised October 2004 – Consumer Protection Unit – Identity TheftFunded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona
Immediate Steps
1. Act immediately!2. Close all accounts which have been
tampered with or opened fraudulently3. Keep a detailed record of
correspondence and phone records.4. Contact the three major credit
bureaus and request a “fraud alert.”1. Follow with a letter sent by certified
mail.
5. File a police report.6. File a complaint with the Federal
Trade Commission.