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Veteran and Military Online Safety Training Program

Veteran and Military Online Safety Training Program. Presented by: CCCS of Rochester Hosted by: Veteran’s Outreach Center. Financial Education. On-site workshops and classes Free monthly workshops at CCCS Budgeting 101 Understanding credit reports & scores Foreclosure prevention

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Veteran and Military Online Safety Training Program

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  1. Veteran and Military Online Safety Training Program Presented by: CCCS of Rochester Hosted by: Veteran’s Outreach Center

  2. Financial Education • On-site workshops and classes • Free monthly workshops at CCCS • Budgeting 101 • Understanding credit reports & scores • Foreclosure prevention • Additional resources: • www.cccsofrochester.org/financial-education • Call 546-3440 to sign up

  3. Counseling Services • Debt management plans • No up-front fees • We contact creditors and negotiate terms, such as: • Lower interest Rates • Lower payments • Re-aging delinquencies • Removing late fees • Stopping collection calls

  4. Counseling Services • Housing Counseling • Foreclosure prevention • Help with communication to your lender • Counseling on remodification options • First-time homebuyer workshops and counseling • First Home Club • Reverse mortgage counseling

  5. Counseling Services • Bankruptcy Counseling • Pre-bankruptcy counseling • Pre-discharge education

  6. Counseling Services • Student Loan Counseling • Help with locating your loans and checking your credit report • Help with your budget • Review of your eligibility for various programs • Then, we take a look at your repayment options • Finally assess the possibility of consolidation

  7. Balanced Care – Managed Financial Services • Representative Payee Program • VA Fiduciary Services

  8. Overview: • What are the threats? • Keeping up to date • Email safety • Safe “surfing” • Strong password strategies • Immediate steps for victims • Where do we go for help?

  9. What are the threats? Know what to look out for…

  10. What are the threats? Through the Internet: • Maleware downloads • Through claims of “free” software • “Spoofed” sites • Looks like a legitimate site but it is set up to “farm” information

  11. What are the threats? Through Email: • Phishing - • Hook - A person contacts you via spam email or pop-up messages • Line - Claims to be a company trusted or known by you urgently needing updates to your account information • Sinker - Tricks you into revealing personal information and leads you to their website • Attachments – • May contain viruses or maleware

  12. Keeping up to date Effective system security…

  13. Keeping your system security up to date • Anti-virus • Anti-spyware software, and a • Firewall • Set automatic updates for: • Your security software, • Internet browser, and • Operating system (like Windows or Mac OS)

  14. Email Safety Keeping the danger away…

  15. Email Safety • Don’t click… type! • Type the address of the site you want directly into your browser. • Criminals send emails that appear to be from companies you know and trust. • The links may look legitimate, but clicking on them could download malware or send you to a spoof site designed to steal your personal information.

  16. Example

  17. Email Safety • Don’t open attachments in emails unless you know who sent it and what it is. • Opening attachments — even in emails that seem to be from friends or family — can install malware on your computer.

  18. Safe “Surfing” Staying on the lookout…

  19. Safe “Surfing” • Downloading software • Common threats: • Free games • File-sharing programs • Customized toolbars • Antivirus/antispyware • May sound appealing, but free software can come with malware • Only use websites you know and trust

  20. Safe “Surfing” • Use a pop-up blocker and don't click on any links within pop-ups. • If you do, you may install malware on your computer. • Close pop-up windows by clicking on the "X" in the title bar, or • Close your browser using the “task manager” • Example…

  21. Example

  22. Using the “Task Manager” • Simultaneously press “Alt, Ctrl, & Delete” • Click on “Start Task Manager” • Under “applications”right click on thebrowser icon • Click on “End Task”

  23. Safe “Surfing” • Give Personal Information Over Encrypted Websites Only • If you’re shopping or banking online, stick to sites that use encryption to protect your information. • To determine if a website is encrypted, look for https at the beginning of the web address (the “s” is for secure).

  24. Safe “Surfing” • Treat Your Personal Information Like Cash • Don’t hand it out to just anyone • Your Social Security number, credit card numbers, and bank and utility account numbers can be used to steal your money or open new accounts in your name

  25. Safe “Surfing” • Back up your data regularly • Whether it's text files or photos that are important to you, back up any data that you'd want to keep in case your computer crashes • External drives • Online services

  26. Strong Password Strategies Hard enough to figure out, easy enough to remember…

  27. Strong Password Strategies • Use at least 10 characters; • 12 is ideal for most home users. • Mix letters, numbers, and special characters.  Try to be unpredictable • don’t use your name, birthdate, or common words.  • Don’t use the same password for many accounts • Don’t share passwords on the phone, in texts or by email.  • Legitimate companies will not send you messages asking for your password • Keep your passwords in a secure place, out of plain sight

  28. Immediate Steps For Victims Getting back on track…

  29. Immediate Steps for Victims • First, place a 90-day fraud alerton your credit reports, and review them • Contact one of the following: • Equifax: 1-888-766-0008 • www.alerts.equifax.com • Experian: 1-888-397-3742 • www.experian.com/fraud/center.html • Trans Union: 1-800-680-7289 • www.transunion.com/fraud • An initial alert stays on our report for 90 days • An extended alert stays on our report for 7 years (for actual victims only)

  30. Immediate Steps for Victims • Secondly, close accountsthat have been tampered with or opened fraudulently • Notify credit card companies and banks in writing • Create new passwordsthat are not easily deciphered • Dispute fraudulent charges with the company’s fraud departmentand dispute forms • By law, companies must provide copies of applications, etc. relating to ID theft if requested in writing

  31. Immediate Steps for Victims • Third, file a police report with the local police, or in the jurisdiction where the theft took place • Keep a copy to give to creditors

  32. Available Resources Where do we go for help?

  33. Federal Trade Commission • Does not bring criminal cases • Can provide information to help resolve financial and other problems resulting from misused information • WWW.FTC.GOV/IDTHEFT • 1-877-438-4338

  34. Banking Agencies • If we have trouble getting our financial institutions to help, we can contact: • FDIC • WWW.FDIC.GOV • 1-800-934-3342 • NCUA • WWW.NCUA.GOV • 703-518-6360

  35. Local Agencies • The NYS Attorney General’s Office: • 1-800-771-7755 • The CEB’s Financial hot line: (An extension of CCCS of Rochester) • 585-256-6080

  36. ?

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