protecting yourself from fraud including identity theft

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Protecting Yourself from Fraud including Identity Theft Slide 2 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 2 Funded 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 2.6.4.G1 Identity Theft Commercial #1 Slide 3 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 3 Funded 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 2.6.4.G1 Passwords are like underwear Dont share them with friends. Come up with some of your own. Slide 4 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 4 Funded 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 2.6.4.G1 Slide 5 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 5 Funded 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 2.6.4.G1 Dont Let It Happen To You Use the Fraud of the Month article from the Consumer Jungle website (www.consumerjungle.org) to answer the questions on the Dont Let It Happen To You worksheet.www.consumerjungle.org Slide 6 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 6 Funded 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 2.6.4.G1 Fraud an intentional effort to deceive another individual for personal gain. Write on the white board what fraud means to YOU. This may include: An example of when you have heard the word used in the past. A type of fraud. The impact fraud may have on an individuals well-being. Slide 7 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 7 Funded 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 2.6.4.G1 Fraud Arrests for crimes not committed Damaged financial security Tarnished credit reports Fraud an intentional effort to deceive another individual for personal gain Compromised health Slide 8 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 8 Funded 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 2.6.4.G1 Common Types of Fraud Identity Theft When anothers personal information is used without their permission Communications Occurs via mass marketing, mail, wire, telephone, Internet, etc. to deceitfully get money from people Identity theft was the largest consumer fraud complaint reported to the Federal Trade Commission in 2010 Slide 9 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 9 Funded 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 2.6.4.G1 Common Types of Fraud Credit Applying for and modifying credit (most common involves mortgages) Investment Investors are deceived by individuals claiming to be financial advisors or have an investment guaranteed to make money Tax Scammers making claims that a person may be exempt from paying taxes Do you know anyone that has been a victim of fraud? Slide 10 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 10 Funded 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 2.6.4.G1 Time How does fraud negatively impact financial well- being? Stress Costs money Anxiety Slide 11 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 11 Funded 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 2.6.4.G1 Identity Theft Commercial #2 Slide 12 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 12 Funded 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 2.6.4.G1 How Does Fraud Occur? Failed Promises Accessing Personal Information Personal Infor- mation Name Address & Telephone Number Social Security Number Drivers License Number Birthdate Credit Card Numbers Bank Account Numbers What can a scammer do if they gain access to your information? Slide 13 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 13 Funded 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 2.6.4.G1 Personal Information Search your purses, wallets and backpacks. What are you carrying with you right now that reveals personal information? Drivers license Debit & credit cards Electronic devices Identification cards Slide 14 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 14 Funded 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 2.6.4.G1 How Thieves Access Personal Information Stealing a purse, wallet, financial records, mail, etc. Diverting mail Skimming credit and debit card information Phishing for personal information via email Hacking a computer to install spyware Slide 15 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 15 Funded 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 2.6.4.G1 Bethany purchased a new pair of shoes from the Internet. What steps should she take to ensure her identity was protected while making the purchase? Source: FEFE 3.1 Slide 16 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 16 Funded 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 2.6.4.G1 Dana went out to dinner and left her credit card there. The next day she called the restaurant and they said they didn t have the card. What should she do? Source: FEFE 3.1 Slide 17 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 17 Funded 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 2.6.4.G1 Jacob has just finished writing bills. What steps should he take to ensure the bills reach their destination safely? Source: FEFE 3.1 Slide 18 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 18 Funded 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 2.6.4.G1 Sam purchased a bicycle on credit. When he received his credit card statement, he noticed several charges he did not make. What should he do? Source: FEFE 3.1 Slide 19 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 19 Funded 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 2.6.4.G1 Protecting Yourself From Fraud You are better off in a community than by yourself. Government creates and manages agencies designed to protect you from fraud But, you are also responsible for yourself. The best way to avoid fraud it to be alert to the risk and protect yourself Slide 20 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 20 Funded 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 2.6.4.G1 Protect Your Personal Information Dont carry your Social Security Card Sign credit and debit cards with signature and Please See ID Memorize and use difficult PIN numbers Shred personal documents before discarding them Keep personal records in a secure location Deposit outgoing mail in a secure post office collection box Be careful of what personal information is posted on the Internet Slide 21 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 21 Funded 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 2.6.4.G1 Immediately dispute errors Check Your Credit Reports Verify sources requesting information Evaluate Situations Consistently monitor information such as credit statements, depository institution statements, etc Monitor Financial Information Slide 22 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 22 Funded 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 2.6.4.G1 Identity Theft Commercial #3 Slide 23 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 23 Funded 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 2.6.4.G1 Be Careful When Using the Internet Look for https or a picture of a lock Keep usernames and passwords safe Use a credit card when making online purchases Search for your name Once information is posted online, it cant be taken back! Use privacy settings on social networking sites Slide 24 Take Charge Today August 2013 Protecting Yourself From Fraud Slide 24 Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Scien