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Transcript of Identity Theft
Deter, Detect, Defend
The US Federal Trade Commission received 250,854 complaints about identity theft during 2010
(FTC) estimates that as many as 10 million Americans have their
identities stolen each year.
Many people don’t know that it has happened until they get rejected for a loan due to a low FICO score
What is identity theft???
The term "identity theft" means a fraud committed or attempted using the identifying information of another person without authority
2 Types of Theft...
Name, Social Security Number, Date of Birth, Driver's License/Number, Passport
Unique Biometric Data:
Fingerprint, Voice Print, Retina or Iris Image, or other unique physical representation;
How do they get my information??
Now that they have it...
what do they do with it?
They may open new credit card accounts in your name.
They may open a bank account in your name.
Change the billing address on your credit card
Get a driver’s license or official ID card.
Open a phone or wireless account.
Get a job using your Social Security number.
Use your name to get utility services like electricity, heating, or cable TV
How do you know someone stole your identity?
Bill collection agencies contact you for overdue debts—
Get denied for a home loan due to low FICO score
Receive mail for services, contracts,
or purchases you know nothing about
Is it really a problem???
What is a FICO Score?
What is a good FICO Score?
Shoulder Surfing-Looking over another individual’s shoulder to gain access to account numbers and personal information.
They may get personal information from you by posing as legitimate companies through email, in a practice known as “phishing.
Dumpster Diving-Going through another person’s trash in order to find shreds of personal information such as bills, checks, or credit applications
Account Takeover- pretending to be an individual, then requesting a new card be sent to a new address
Credit Repair- A fake business that claims to boost your credit score but really steals personal information from you.
Dishonest Employees-When an individual makes copies or steals information from a place of business such as receipts and employee records.
Social Engineering- Calling an individual pretending to be a creditor, and requesting personal information.
File a police report
Dispute any unauthorized transactions
Call all unauthorized accounts and freeze/hold them
Contact a lawyer specializing in ID theft
Now what do you do???
-Shred financial documents and paperwork
-Protect your Social Security number
-Don’t give out personal information on the phone, through the mail, or over the Internet
-Never click on links sent in unsolicited emails
-Don’t use an obvious password like your birth date
-Keep your personal information in a secure place at home
-REQUEST YOUR CREDIT REPORT!
How do I prevent this from happening to me?