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Identity Theft

Identity Theft. # 1 Consumer Fraud Complaint – 5 th straight year!. Definition. Theft of your Identity! It occurs when someone, without your knowledge, acquires a piece of your personal information and uses it to commit fraud. Are You a Target?. Do you:

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Identity Theft

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  1. IdentityTheft #1 Consumer Fraud Complaint – 5th straight year!

  2. Definition • Theft of your Identity! • It occurs when someone, without your knowledge, acquires a piece of your personal information and uses it to commit fraud.

  3. Are You a Target? Do you: • Put outgoing mail in your mailbox? • Use a credit card in restaurants? • Use a debit card in stores? • Have mail delivered to your mailbox? • Leave your car unlocked?

  4. Are You a Target? Do you: • Lock your purse or wallet in your car? • Lock your laptop/pda/cell phone in car? • Put out the garbage? • Put out the recycle? • Leave your house unlocked?

  5. Are You a Target? Do you: • Give confidential information to phone solicitors? • Answer official-looking email requests? • Answer official-looking mail requests? • Deal with companies that store your information on computer?

  6. Which Age Group Are You In? • Over 65 - lowest rate • 35 – 44 - highest $ amount • 25 – 34 - highest rate • Children – growing rate

  7. Who are the Bad Guys? • Your Friends • Your Family • Your Co-Workers • Employees with access to your confidential information • Old-Fashioned Criminals

  8. How Do They Do It? • Friends, family, co-workers have easy access • Strangers use these techniques:

  9. How Do They Do It? • Steal your outgoing mail • Skimming

  10. How Do They Do It? • Steal your card • Steal incoming mail

  11. How Do They Do It? • Burglarize your car • Dumpster Dive • Burglarize your house • Social Engineering – phone • Email Scams • Mail Scams • Hacking

  12. What They Do With Your Information • Purchase high-ticket items • Take out loans • Assume your identity • Commit other crimes

  13. What They Do With Your Information • #1 – Use your credit card • #2 - Get utility and phone service • #3 – Commit bank fraud

  14. Avoid Becoming a Victim • Post your mail at the post office • Don’t let your credit or debit card out of your sight • Get a PO box or lockable mailbox • Lock your car • Don’t leave valuables in your car

  15. Avoid Becoming a Victim • Don’t carry SSN card • Don’t carry extra credit cards • Don’t carry your checkbook • What is printed on your checks? • Shred credit card offers

  16. Avoid Becoming a Victim • Shred all documents with personal information (or go to Wal Mart) • Lock the doors of your house • Store SSN, account information in a secure place

  17. Avoid Becoming a Victim • Don’t give personal information over the phone, mail or Internet unless you initiate contact • Don’t respond to email scams • Don’t respond to mail scams • Cancel unused accounts • Get a credit report

  18. Avoid Becoming a Victim • Clean out your purse, wallet, organizer • Check your monthly statements • Opt Out! • Purchase ID Theft Insurance - OR – • Stay home, lock your doors and communicate with no one!

  19. Avoid Becoming a Victim • Watch your wireless use in airports, cyber cafes, other public access computers

  20. If You Become a Victim • Who pays? • Document, Document, Document • Contact local law enforcement • Contact the FTC • Contact your credit card company • Contact the three credit bureaus

  21. Trends • Parents using children’s identity • Organization misuse of customer/client/employee data

  22. Trends • Credit Card Duplicator

  23. Identity Theft • Are You Scared? • Do You Think You Are Safe?

  24. Questions? Marsha Powell Tompkins Cortland CC Broome County Government Security

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