preventing identity theft

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  • IDENTITY THEFTPROTECT YOURSELF

  • WARNING SIGNS

    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

    Burglaries

    Friends/Family

    Shoulder surfing / Cell phone cameras

    Fellow employees

    Insider theft, rogue employees that steal or sell your information

    Database hacking or accidental loss exposing personal data

    Keystroke recording

    Phishing and other email/phone scams

    Purchase Stolen information for sale on the black market

  • HOW TO PREVENT IT

    Limit access

    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

    Be aware

    Pay attention to environment around you

    Monitor your accounts and credit reports

    Buy a good paper shredder, use it

  • AT HOME

    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

  • ATMS

    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

    Setup alerts

    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

    Provides:

    records monitoring

    credit monitoring

    medical identity

    lost wallet assistance

    insurance ($1 million)

    fraud alerts

  • DONEC QUIS NUNC

  • DIY PROTECTION

    Get free annual credit reports from Equifax, Experian, and TransUnion

    annualcreditreport.com

    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

  • FRAUD ALERT

    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

  • APPLE PAY

  • ALL PUBLIC WIFI IS INSECURE

  • NEVER DIVULGE ANYTHING ON A CALL YOU DID NOT PLACEPHONE CALLS

    AT&T U-Verse

    Astound Broadband

    BroadVoice/PhonePower

    Cablevision/Optimum

    Comcast

    Frontier

    Sonic

    SureWest

    Time Warner

    Ooma Premier

    Verizon FiOS

    Voipo

    Voip.ms

    Vonage

    1-Voip,

    Wave Broadband.iPhone

    Hardware

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