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U.S. SECRET SERVICE

IDs. U.S. SECRET SERVICE. “Worthy of Trust and Confidence”. IDENTITY THEFT. HOW TO DEFEND YOUR GOOD NAME. U.S. SECRET SERVICE. “Worthy of Trust and Confidence”. AGENDA. ID THEFT STATISTICS TACTICS OF AN ID CRIMINAL HOW TO DEFEND YOURSELF “MY ID’S BEEN STOLEN! WHAT DO I DO?!”

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U.S. SECRET SERVICE

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  1. IDs U.S. SECRET SERVICE “Worthy of Trust and Confidence” IDENTITY THEFT HOW TO DEFEND YOUR GOOD NAME

  2. U.S. SECRET SERVICE “Worthy of Trust and Confidence” AGENDA • ID THEFT STATISTICS • TACTICS OF AN ID CRIMINAL • HOW TO DEFEND YOURSELF • “MY ID’S BEEN STOLEN! WHAT DO I DO?!” • QUESTIONS AND EXPERIENCES

  3. U.S. SECRET SERVICE “Worthy of Trust and Confidence” IDENTITY THEFT FACTS AND FIGURES: • FASTEST GROWING CRIME IN THE US • TEXAS IS AMONG THE TOP 6 STATES IN • THE US WITH THE MOST ID THEFT • VICTIMS • APPROXIMATELY 15 MILLION PEOPLE • BECAME VICTIMS OF ID THEFT IN • 2006 • COST OF ID THEFT IN 2005 = $56.6 BILLION STATISTICS PROVIDED BY ITRC

  4. U.S. SECRET SERVICE “Worthy of Trust and Confidence” IDENTITY THEFT FACTS AND FIGURES: (CONT’D) • VICTIMS SPEND AN AVERAGE OF 231 HRS • RECOVERING FROM ID THEFT CRIME • VICTIMS SPEND AN AVERAGE OF $1342 • IN OUT-OF-POCKET EXPENSES • APPROXIMATELY 85% OF VICTIMS FOUND • OUT ABOUT THE CRIME DUE TO AN • ADVERSE SITUATION STATISTICS PROVIDED BY ITRC

  5. IDs U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL

  6. U.S. SECRET SERVICE “Worthy of Trust and Confidence” MAIL THEFT

  7. IDs U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL

  8. U.S. SECRET SERVICE “Worthy of Trust and Confidence” SECURITY BREACHES In 2006, 312 Security Breaches affecting nearly 20 million people were reported: • 29% Gov’t/Military Agencies • 28% Educational Institutions • 22% General Businesses • 13% Health Care Facilities • 8% Banking/Credit Card Institutions STATISTICS PROVIDED BY ITRC

  9. IDs U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL

  10. U.S. SECRET SERVICE “Worthy of Trust and Confidence” SKIMMERS

  11. U.S. SECRET SERVICE “Worthy of Trust and Confidence” ATM MACHINE SKIMMER

  12. U.S. SECRET SERVICE “Worthy of Trust and Confidence”

  13. IDs U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL

  14. U.S. SECRET SERVICE “Worthy of Trust and Confidence” PHISHING A fraudulent scheme involving ID Theft typically by email. Sender pretends to be a legitimate company or bank. Use a website/logo that looks like the website/logo of the legitimate company.

  15. PHISHING EMAIL EXAMPLE U.S. SECRET SERVICE “Worthy of Trust and Confidence”

  16. U.S. SECRET SERVICE PHISHING EMAIL EXAMPLE “Worthy of Trust and Confidence”

  17. U.S. SECRET SERVICE PHISHING EMAIL EXAMPLE “Worthy of Trust and Confidence”

  18. U.S. SECRET SERVICE “Worthy of Trust and Confidence” PHISHING STATISTICS • # of U.S. adults that received phishing emails • rose from 57 million in 2004 to 109 million • in 2006 • Estimated that between 3% -14% of phishing • scams are successful • Losses from successful phishing scams rose from • $137 million in 2004 to $2.8 billion in 2006 STATISTICS PROVIDED BY ITRC

  19. U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL How identity thieves use your information: • Open a new credit card account or tamper • with an existing account • Open up bank accounts in your name and • write bad checks/counterfeit checks or • drain your existing bank accounts • Take out a loan in your name to buy a car/house • Set-up phone, wireless or utility service • File a tax return in your name • If arrested, they give your name and info to • police and don’t show up for court

  20. U.S. SECRET SERVICE “Worthy of Trust and Confidence” TACTICS OF AN ID CRIMINAL How identity thieves use your information:

  21. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HOW TO DEFEND YOURSELF • BUY A SHREDDER: • Charge receipts • Copies of credit applications • Insurance forms • Physician statements • Checks and bank statements • Expired charge cards • Credit offers you get in the mail

  22. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” • Deposit outgoing mail in post • office collection boxes or • at your post office rather • than an unsecured mailbox • Promptly remove mail from • your mailbox • Request a vacation hold from • Post Office if away for an • extended time MAIL THEFT • Failure to receive bills, statements OR receiving • statements you did not apply for

  23. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” • Opt Out of Pre-Approved Credit • Card Offers • Call (888)5-OPT-OUT or • www.optoutprescreen.com • Opt Out of Receiving Junk Mail • www.dmachoice.org MAIL THEFT

  24. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” • Limit the identification info and • the number of credit/debit • cards you carry to what you • actually need • Monitored Alarm System at Home • Secure/hide personal information • in your home OR get a safety • deposit box STOLEN PERSONAL INFO WALLET, WORK, HOME • Ask about security procedures at your place of work and • at businesses/doctor’s offices that collect your • personal information. Disposal?

  25. PROTECT YOUR SOCIAL SECURITY NUMBER U.S. SECRET SERVICE “Worthy of Trust and Confidence” • Never carry your Social Security Card in your wallet • Never write your Social Security Number on a check • or other document • Only give out your Social Security Number when • absolutely necessary: • Why do you need my SSN? • How will it be used? • How do you protect my SSN? • What will happen if I don’t give you my SSN?

  26. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” SKIMMING/ATM FRAUD • Pay Cash instead of using • a credit/debit card • When using your credit/ATM card: • - Be wary of your surroundings • (ie. shoulder surfing) • - Try to keep an eye on what the store clerk/ • waiter does with your credit card • When possible, use ATM machines you are • familiar with; contact your bank if you notice • anything out of the ordinary

  27. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” • LOOSE LIPS, SINK SHIPS! • THINK FIRST! ACT SECOND!! • Before giving out personal information, • verify this is a real representative of the • company/agency. Conduct your own • background investigation. • Never give out your personal info over the • phone unless you initiate the contact • and you know that you are speaking • to a true company employee. “PRETEXTING” • Area Code Decoder: • http://decoder.americom.com/cgi-bin/decoder.cgi

  28. HOW TO DEFEND YOURSELF PHISHING U.S. SECRET SERVICE “Worthy of Trust and Confidence” • Do not open or respond to emails • you know are scams – DELETE! • Companies/agencies should never • ask you foryour personal • information via phone or email • Independently contact the company/agency • supposedly sending the email • DO NOT use links or phone #s listed in the • suspect email

  29. HOW TO DEFEND YOURSELF COMPUTER SECURITY U.S. SECRET SERVICE “Worthy of Trust and Confidence” • Ensure you are using a secure • browser to guard your online • transactions (ie. shopping on • the internet): • https://www.website.com • Look for security icons • Use complex passwords; do not use auto log-in • Update your virus protection software regularly; • use a firewall and antispyware

  30. HOW TO DEFEND YOURSELF COMPUTER SECURITY U.S. SECRET SERVICE “Worthy of Trust and Confidence” • Wireless Internet Users – ensure your wireless • security is enabled in the form of WEP, • WPA or WPA2 security protocols www.cnet.com

  31. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” • On the back of your credit/debit card, • write “CHECK ID” instead of signature • When writing a check, use 207 ink • Monitor your bank and credit card accounts • frequently to catch fraud early • Place passwords on accounts with financial • institutions, etc.

  32. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” ORDER YOUR FREE CREDIT REPORTS!!! www.annualcreditreport.com OR CALL 877-322-8228 • Review your credit reports. Look for: • Inquiries from companies you did not contact • Accounts you did not open • Debts on your accounts you can’t explain • Check for accuracy of your personal info • Get fraudulent or inaccurate info removed/corrected

  33. HOW TO DEFEND YOURSELF U.S. SECRET SERVICE “Worthy of Trust and Confidence” CREDIT (SECURITY) FREEZE • Available to all consumers in Texas as of Sept 2007 • $10 Fee per credit agency unless ID Theft Victim • Remains in effect until you remove it • A Security Freeze prohibits, with some exceptions, • a credit reporting agency from sharing your • credit file www.financialprivacynow.org

  34. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” • STEP 1: Contact the fraud department of • one of the three major credit bureaus. • Request a fraud alert be placed in your • file (effective for 90 days) • Order current copies of your credit report • (these reports will be no charge) • Place a Security Freeze on your credit • reports (no charge)

  35. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” • STEP 2: Close the accounts that you know • or believe have been tampered with or • opened fraudulently • Ask the company/bank to send you fraud • dispute forms or find out what steps • you need to take to clear your name • Checks – Stop payment on all checks and ask the bank to notify their • check verification service (ie. ChexSystems)

  36. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” • STEP 3: File a report with local police or • with the police department where the • offense took place. • Be prepared to provide copies of the • report to the credit card company or • bank. They may need this as proof to • erase debts created by the ID thief NOTE: For Mail Theft incidents you may also try the U.S. Postal Inspection Service

  37. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” • STEP 4: File a complaint with the FTC • This info can help Law Enforcement • Refer the victim to other agencies that • can help • Identity Theft Affidavit

  38. U.S. SECRET SERVICE “Worthy of Trust and Confidence” “MY ID’S BEEN STOLEN! WHAT DO I DO?!” DOCUMENT EVERYTHING!!! KEEP GOOD RECORDS!!!

  39. U.S. SECRET SERVICE “Worthy of Trust and Confidence” THREE CREDIT BUREAUS Equifax 1-800-525-6285 www.equifax.com TransUnion 1-800-680-7289 www.transunion.com Experian 1-888-EXPERIAN www.experian.com

  40. U.S. SECRET SERVICE “Worthy of Trust and Confidence” HELPFUL WEBSITES Federal Trade Commission www.ftc.gov/bcp/menus/consumer/data.shtm Identity Theft Resource Center www.idtheftcenter.org/ ScamBusters www.scambusters.org Looks Too Good To Be True www.lookstoogoodtobetrue.com

  41. U.S. SECRET SERVICE “Worthy of Trust and Confidence” QUESTIONS???

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