preventing identity theft
Post on 13-Apr-2017
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IDENTITY THEFTPROTECT YOURSELF
You see withdrawals from your bank account that you cant explain.
You dont get your bills or other mail.
Merchants refuse your checks.
Debt collectors call you about debts that arent yours.
You find unfamiliar accounts or charges on your credit report.
Medical providers bill you for services you didnt use.
Your health plan rejects your legitimate medical claim because the records show youve reached your benefits limit.
A health plan wont cover you because your medical records show a condition you dont have.
The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you dont work for.
You get notice that your information was compromised by a data breach at a company where you do business or have an account.
HOW IT HAPPENS
Lost Wallet or Purse
Skimming / recording credit card information from the magnetic stripe
Shoulder surfing / Cell phone cameras
Insider theft, rogue employees that steal or sell your information
Database hacking or accidental loss exposing personal data
Phishing and other email/phone scams
Purchase Stolen information for sale on the black market
HOW TO PREVENT IT
Carry only what you need (leave checkbook at home)
Ask how and where your information will be used before providing it
Restrict access to credit information
Pay attention to environment around you
Monitor your accounts and credit reports
Buy a good paper shredder, use it
Keep ID documents and passwords in a secure place
Shred any and all financial records, statements, applications and cards
Dont put outgoing mail, especially bill payments, in personal curbside mailboxes. Use USPS mailboxes instead
use mail holds, pick it up from the post office
Disable Visa features
Dont trust family or friends with your card
Look around for cameras
use trusted ATMs
Store credit card and bank customer service numbers on your phone
GIVE IT A TUG
CHECKING AND SAVINGS
Transfer checking to savings
Never allow direct draft from your accounts
Dont link your checking or savings account to PayPal
Monitor accounts monthly
Your bank only communicates to your through snail mail or their authenticated app/website
Images courtesy of RedBox and Consumerist
GIVE THAT SLOT A TUGCARD SKIMMERS
Images: Brian Krebs, KMGH Denver, Post and Courier Charleston, SC
ACTIONS DEPEND ON EXPOSURELOST WALLET
Social Security Number - treat like identity theft (freeze credit, review credit reports, etc.)
Logins - change the password, account name if possible. Change reused passwords as well.
Credit Cards / Bank Accounts - close account, request new cards
Drivers license - contact DMV, report lost/stolen license, apply for replacement ($13 or free for 70 or older)
$100-$300 PER YEARPROTECTION PROGRAMS
Dedicated Companies - LifeLock, Identity Guard/Protect
Benefits/Membership AARP (Equifax) COSTCO (CompleteID)
Credit Bureaus - Experian, TransUnion, Equifax
lost wallet assistance
insurance ($1 million)
DONEC QUIS NUNC
Get free annual credit reports from Equifax, Experian, and TransUnion
Stagger your requests every four months from one bureau to the next.
Dispute anything that does not look right
Close accounts you no longer use
Forces creditors to verify your identity.
must be completed on 3 credit reporting agencies
Initial Fraud Alert. If you're concerned about identity theft, but haven't yet become a victim. Valid for 90 days. Example: stolen wallet
Extended Fraud Alert. For victims of identity theft, an extended fraud alert will protect your credit for seven years.
Active Duty Military Alert. For those in the military who want to protect their credit while deployed. Valid for 1 year.
IN NORTH CAROLINAFREEZING YOUR CREDIT
lock access to credit file against anyone trying to open up a new account or to get new credit in their name
must be completed on 3 credit reporting agencies
Available in all states
Free for ID Theft Victims, minors (under 16), seniors (62 or over), $5 for others (place, lift, or remove)
no impact on credit cards or other lines of credit
remains until removal requested by consumer.
OTHER REPORTING SOURCES
Medical financial history Medical Information Bureau (MIB Group): www.mib.com / 1-866-692-6901.
Banking history ChexSystems, www.consumerdebit.com / 1-800-262-7771
Employment history www.ChoicePoint.com / 1-877-448-5732
Insurance claim history www.ChoiceTrust.com / 1-866-312-8076.
IF YOU ARE A VICTIM
Make copies of relevant documents
Maintain a log of calls/emails/faxes. record names, dates and phone numbers of the people you talked to.
File a police report, provide copies of documents get the report number and a copy of the report
Open a fraud alert with all three credit reporting agencies
Review bank and retirement accounts for fraudulent activity
Contact postal inspector if U.S. mail was involved, this is a felony
Every 3-4 months review your credit report
ALL PUBLIC WIFI IS INSECURE
NEVER DIVULGE ANYTHING ON A CALL YOU DID NOT PLACEPHONE CALLS