Identity Theft

1. Identity Theft

2. What Is Identity Theft? • Computer crime • Personal betrayal • Document loss • Business leaks

3. What Is Identity Theft? An identity thief takes some piece of your personal or financial information and uses it by posing as you and stealing from you by performing financial transactions in your name without your knowledge to commit fraud or theft

4. How to Protect Yourself • Your Social Security number • Passwords • Technology • At home • Out and about • At work

5. Stealing Dumpster diving Robbery Scams Social engineering Skimming Phishing Pharming How Identity Theft Occurs

6. How Thieves Use Your Information • Buy merchandise with existing accounts • Open new accounts • Write bad checks • Take out loans • Change your mailing address • Use your name during an arrest • File for bankruptcy

7. Are You a Victim of Identity Theft? • You may be if you: • Have unexplained charges or withdrawals • Don’t receive bills on time • Receive credit cards you didn’t order • Are denied for a loan • Receive collection calls

8. Take Action When Your ID is Swiped • Contact the credit bureaus • Contact creditors and financial institutions • Contact local authorities • Contact government agencies • Maintain good records

9. Laws that Protect You • Fair and Accurate Credit Transactions Act • Identity Theft and Assumption Deterrence Act • Identity Theft Penalty Enhancement Act • Fair Credit Billing Act

10. Laws that Protect You • Electronic Fund Transfer Act • Fair Credit Reporting Act • Fair Debt Collection Practices Act • Checking Laws

11. Monitoring Your Credit • Create your own program • Use commercial services • Identity Theft insurance

12. Identity Theft