identity theft
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Identity Theft
Mystery of The Stolen Identity
Take Charge of Your Finances
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 2Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Solve the Mystery
“Unlucky” Lucy is one of the many victims of identity theft
What is identity theft?
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 3Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Identity Theft
IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer’s personal identification, credit, or account
informationThe FTC is a government agency that focuses on
consumer protection
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 4Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Identity Theft Statistics
According to the Federal Trade
Commission, how many identity theft
complaints were filed in 2008?
313, 982 identity theft complaints
According to the U.S. Department of
Commerce, what percentage of identity theft victims in 2008
were under the age of 20?7% of identity theft
victims were under 20 years of age
Take a guess!
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 5Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• 10% of identity theft victims during 2005 reported personal expenses of more than $1200
• 11% of victims in 2005 reported that it took 3 or more months to resolve the problems associated with identity theft after they discovered that their information was being misused
Identity Theft
Victims may have to spend time and money trying to fix the problems that are caused
by thieves
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 6Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Personal Information
Identity thieves try to obtain personal
information from victims in order to steal
their identities.
Personal Informat
ion
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 7Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Personal Information
Search your purses, wallets, and backpacks.
What are you carrying with you right now
that reveals your personal information?Drivers License Social Security
Card CheckbookCredit and Debit Cards
Insurance Cards
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 8Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Personal Information
• Making purchases with a check, credit or debit card
• Applying for a credit card or loan• Online or telephone shopping• Paying bills through the mail or online• Going to the doctor
What daily activities require an individual
to share personal information?
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 9Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Solve the Mystery
Listen carefully and take very accurate notes to help Lucy find the person who stole her
identity
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 10Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Colonel
Mustard
Searched through
Lucy’s outgoing mail
How Do They Do It?
The inspector has identified 4 suspects in Lucy’s case.How does the inspector
believe the suspects stole Lucy’s
identity?
Professor Plum
Searched Lucy’s online banking
website
Mrs. WhiteSearched through Lucy’s discarded mailMrs. PeacockGuessed Lucy’s PIN number
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 11Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Thieves obtain personal information through a variety of methods:– Stealing - Information is taken from a purse or wallet, personnel
records from a workplace, tax information, bank or credit card statements, or pre-approved credit card offers from the mail.
– Diverting Mail - Thieves can complete a change of address form and have the victim’s bills and statements mailed to a different location.
– “Dumpster Diving” - Personal information is discarded and thieves remove it from the trash.
– Skimming - Thieves attach a device to card processors to steal credit and debit card information
How Do They Do It?
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 12Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Methods continued...– Phishing - Thieves use a form of electronic communication (usually
email) to pretend to be a company or depository institution in order to get the victim to give up their personal information.
– Pretexting - Thieves use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources.
– Spyware - Software installed on the victim’s computer, without their knowledge or consent, that monitors internet use, sends pop up ads, re-directs the computer to other sites, and tracks key strokes.
– Hacking - Information is stolen by breaking into a computer system.
How Do They Do It?
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 13Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
What Identity Thieves Do With Information
The thief has been using Lucy’s credit card to make
their own purchases
What has the identity thief done with
Lucy’s personal information so far?
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 14Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Apply for a new driver’s license• Open new bank accounts• Apply for credit cards or store credit accounts• Obtain cash with bank cards• Get a job• Rent an apartment• Take out student loans• File for bankruptcy
What Identity Thieves Do With Information
What can identity thieves do if they obtain personal
information?
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 15Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Many actions can be taken to help minimize the risk of identity theft
• Mail her documents from a secure post office location• Use a PIN number that is not easy to guess• Shred documents that contain personal information• Make sure to log out of any online banking sites• Never give personal information out over the phone
or email
What could Lucy have done to help prevent her identity from being
stolen?
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 16Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Wallets and Purses•Only carry what is necessary- do NOT carry social security cards, passports, or birth certificates
•Do not hang purses from a chair in a public place
•Use purses that close securely
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 17Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Credit and Debit Cards•Close unwanted accounts in writing and by phone and cut up the card•Memorize the PIN number and do not use easily accessible numbers (date of birth, address, etc.)•Sign back of cards with signature &“Please see ID”•Do not give out account numbers unless making a transaction that is initiated by the consumer rather than responding to telephone or e-mail solicitations•Check statements regularly for any errors or signs of fraudulent use
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 18Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Credit Card Offers•Shred credit card offers and applications. *a cross-cut shredder is safest because it is more difficult to reassemble
•Cut up or shred pre-approved credit card offers that are not used
•“Opt-out” of pre-screened credit offers for five years at www.optoutprescreen.com
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 19Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Mail•Shred all credit card offers, bills, statements, and anything else that contains personal information•Deposit outgoing mail in secure post office collection boxes•Contact the post office and request a vacation hold when unable to pick up mail•Do not leave mail in an unsecured mailbox overnight or for a long period of time
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 20Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Email•Keep your username and password protected
•Use a password that is a combination of words, numbers, and symbols and cannot be easily found (do not use names, birthdays, addresses, etc.)
•Verify the source of an email asking for personal information by calling the company to confirm the email is from them
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 21Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Telephone•Verify the source of any phone call asking for personal information by calling the company to confirm the phone call is from them and not a potential identity thief using their name. Use the phone number listed on your account statement or in the telephone book.
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 22Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Computer Security•Use anti-virus and anti-spyware software and update them regularly•Do not click on links found in pop-up ads•Only download software from trusted websites•Set web browser security to medium-high or high•Keep operating system and web browser software updated•Do not give out any personal information unless making a purchase•Choose security questions with answers only you would know
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 23Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Computer Security- Continued•Watch for clues that might indicate a computer is infected with spyware. such as a stream of pop-up ads, random error messages, and sluggish performance when opening programs or saving files.•If it is suspected that a computer is infected with spyware, immediately stop shopping, banking or doing any other online activity that involves user names, passwords, or other sensitive information. Then, confirm that the security software is active and current and run it to scan the computer for viruses and spyware, deleting anything the program identifies as a problem.
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 24Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Social Networks, Blogs, & Chat Rooms•Consider joining only sites that limit access to posts to a defined group of users. Make sure you know how the site access works before joining. Don’t join sites that allow anyone to view postings.
•Never post your full name, Social Security Number, bank or credit card information, address, or phone number.
•Avoiding posting information that could be used to indentify you offline such as school, work, or other locations where you spend time.
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 25Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Social Networks, Blogs, & Chat Rooms- Continued
•Use privacy settings to restrict who can access personal sites
•Remember that once information is posted online, it cannot be taken back. Even if information is deleted, older versions may still exist on other people's computers and be circulated online
•Only post information that you are comfortable with anyone viewing
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 26Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Internet Purchases•Look for “https” or a picture of a lock after the URL or in the bottom right hand corner indicating the site is secure
•Do not give any personal information on a site if it is not secure•Enter the website address yourself rather than following a link from an email or internet advertisement•Use a credit card instead of a debit card when making online purchases
“https” s = secure
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 27Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Social Security Number•Memorize Social Security number•Keep Social Security card in a safe place (do not carry it in wallet)•Only give a Social Security number when absolutely necessary- ask why a Social Security number is needed and how the information will be protected•Do not print a social security number on check blanks
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 28Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Preventing Identity Theft
Credit Reports•Check credit reports with each of the three reporting agencies at least once a year •Consumers receive one free credit report from each of the reporting agencies every year, so ordering one credit report from one agency every four months will keep consumers up to date and constantly alerted to their credit report status•Immediately dispute any wrong information
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 29Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
3 Credit Reporting Agencies
ExperianPO Box 2104Allen, TX 75013-2104
Report Order: 1-888-397-3742
Fraud Hotline: 1-888-397-3745
www.experian.com
Trans UnionPO Box 390Springfield, PA 19064-0390
Report Order: 1-800-888-4213
Fraud Hotline: 1-800-6807289
www.tuc.com
EquifaxPO Box 105873Atlanta, GA 30348
Report Order: 1-800-685-1111
Fraud Hotline: 1-800-525-6285
www.equifax.comTo order a credit report from any of the three
reporting agencies, use the following website:
www.annualcreditreport.com
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 30Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Protect your Social Security number by only giving it out when absolutely necessary
• Keep usernames and passwords safe- use a combination of letters, numbers, and symbols that are not easily identified
• Select security check questions with answers only you would know
• Don't give out personal information over the phone, through the mail, or on the Internet unless you've initiated the contact and are sure you know who you're dealing with
Preventing Identity Theft
Key Guidelines
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 31Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Check credit reports at least once per year• Shred all documents that contain personal
information• Be careful using the Internet. Only give out
personal information when making a purchase on a secure website
• Search your name occasionally to see if any unusual information appears
• Be observant and follow your instincts
Preventing Identity Theft
Key Guidelines
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 32Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Recognizing Identity Theft
How did Lucy find out that heridentity had been stolen?
Could Lucy have recognized the
identity theft earlier? If so, how?
Her credit card was denied in a store
She could have checked her online banking more often and
then she would have recognized the extra charges on her credit
card
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 33Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Recognizing Identity Theft
• New accounts or charges you didn’t make
• Calls from collection agencies
• Incorrect information on your credit report
Early detection is key!
• Being denied credit when there is no reason to be
• Missing bills or mailed statements
Watch for the following signs
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 34Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
What To Do If Identity Theft Happens
What steps did Lucy take when she
discovered her identity had been stolen?She filed a report with the local police
What should have Lucy done when she discovered the identity theft?
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 35Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
What To Do If Identity Theft Happens
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 36Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
What To Do If Identity Theft Happens
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Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 37Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Deter, Detect, Defend-Avoid Identity theft
Hear stories from real-life identity theft victims on the FTC’s “Deter, Detect, Defend- Avoid Identity Theft” video
http://www.ftc.gov/bcp/edu/microsites/idtheft/video/avoid-identity-theft-video.html
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 38Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Personal Liability
• Credit Cards– Truth in Lending Act limits liability for
unauthorized charges to $50.00 per card– A letter must be received by the creditor within
60 days of the first bill containing the error– The dispute must be resolved within 90 days of
the creditor receiving the letter
Since Lucy discovered the theft very quickly, she will only be liable for $50.00
in charges on her credit card!
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 39Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• ATM and Debit Cards– The Electronic Funds Transfer Act
provides protection– The amount a person is liable for depends
upon how quickly the loss is reported• Within two days: maximum $50.00• Within sixty days: maximum $500.00• After sixty days a person may be liable for
everything
Personal Liability
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 40Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Checks– Contact the financial institution and
stop payment– Most states hold the financial institution
responsible for losses of a forged check
Personal Liability
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 41Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Identity Theft Protection
• Offered by banks and other companies
• Services– Closely monitor accounts and personal
information– Alert consumer when there is a change– Help resolve any problems if identity
theft does occur
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 42Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Cost– $5.00 to $35.00 per month– Depends on amount of services
provided• Can NOT eliminate identity theft
but can help prevent it
Identity Theft Protection
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 43Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Identity Theft Protection
Pros ConsConvenient CostSaves consumer time because they don’t have to monitor their own accounts and credit reports
Most of the services offered can be completed by the consumer for no cost
What are the pros and cons
of identity theft protection?
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 44Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Identity Theft Insurance
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 45Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
• Directions– Divide into 4 groups– Each group will take turns verbally answering a question
about identity theft– If the question is answered correctly, the group will
receive a clue that will help reveal Lucy’s identity thief– If the question is answered incorrectly, play will move on
to the next group and the group that answered incorrectly will not receive a clue
– Play will continue until all 12 clues have been won- each group will have at least 3 chances to receive a clue
“Solve the Mystery” Activity
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 46Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Who is Lucy’s identity thief?
Make your guess!
Who Did It?
Colonel
MustardSearched Lucy’s
outgoing mail in the
conservatory Professor Plum
Searched Lucy’s online banking
website in the library
Mrs. WhiteSearched Lucy’s discarded mail in the kitchen
Mrs. PeacockGuessed Lucy’s PIN number in the hall
1.3.1.G1
Identity Theft
© Family Economics & Financial Education – Revised May 2010– Consumer Protection Unit – Identity Theft – Slide 47Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America
Institute at The University of Arizona
Solve the Mystery
Find out who the true identity thief is!
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