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Identity Theft: How Vulnerable are you?

Identity Theft: How Vulnerable are you?. Ronald J. Leach. Identity Theft. Use of existing accounts – easiest to fix Takeovers of existing accounts – can limit your access to your money New accounts – you may not be notified. Check credit reports yearly. Its free, free, free!

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Identity Theft: How Vulnerable are you?

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  1. Identity Theft: How Vulnerable are you? Ronald J. Leach

  2. Identity Theft • Use of existing accounts – easiest to fix • Takeovers of existing accounts – can limit your access to your money • New accounts – you may not be notified

  3. Check credit reports yearly • Its free, free, free! • AnnualCreditReport.com

  4. Case study - “A” • Had checkbook stolen • Took many hours to stop continued cashing of checks, even after account was closed!

  5. Case study – “B” • Had Medical Identity stolen

  6. Case study – ‘B” • Card number, Social Security Number copied, given to others, possibly by a clerk • Learned about collection notices asking for a credit report before getting married

  7. Case study – ‘B” • Many judgments • A helicopter transfer to a hospital for $19,000!

  8. Case study – “P” • Had wallet stolen • Lost checkbook • Lost driver’s license • Lost medical cards

  9. Case study - “SG” • Had computer email account hacked • Everyone in mailbox was sent multiple convincing messages

  10. Case study - “SG” • Others had their computer email account hacked • “P” • “S” • “JF” • “H&B” • Others

  11. Hackers got his information:

  12. Hackers got his information: from a wireless connection at an Internet café Did you use a hotel’s wireless? Was it protected?

  13. Case study – “W” • Had mortgage placed on house • Mortgage company began foreclosure

  14. Case study – “W” • His house

  15. Case study – “W” • His house – not!

  16. How could crooks get access to W? • Land records • Stolen mail

  17. Case study – me and a credit card • Had phone message at work, asked me to call an 800 number about my card • Got an uneasy feeling

  18. Case study – me and a credit card • Back of card had correct number. • The telephone call had a different number • Call was spurious, so was 800 number • No problems with card • Whew!

  19. Case study – me and broker • Show me the money • My money! • Don’t show me his money

  20. Case study – me and broker • Previous user’s data still on screen • Poor software – didn’t clear screen • My transaction went through – I was notified by mail • Also notified of his transactions by mail

  21. Case study – me and broker • Called broker about error – did not get confirmation by mail • Got three additional confirmation letters

  22. Case study – me and broker • Called broker about error – did not get confirmation by mail • Got three additional confirmation letters on his account!

  23. Case study – me and broker • Called person’s home phone • The wife was unaware of his transferring funds • The wife’s reaction

  24. What is the most valuable item you have? • Credit Card? • Checkbook? • Driver’s License? • Social Security Card? • Membership card? • Ship ID card? • Passport ?

  25. How long would it take you to replace the stolen item – a few days/months/years? • Credit Card? • Checkbook? • Driver’s License? • Social Security Card? • Membership card? • Ship ID card? • Passport ?

  26. Passports can be the most difficult to replace if you are abroad

  27. How long would it take you to replace the stolen item? • Passport • Social Security Number

  28. How much does an annual credit report cost?

  29. T is for Trespass

  30. Do you read your credit card statement?

  31. How much does an annual credit report cost? Nothing! • AnnualCreditReport.com

  32. Thank you!

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