seniors and caretakers idt - mmlearn.org · 2017. 10. 10. · avoid financial loss avoid emotional...
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�� Information SourceInformation Source
�� Report ID TheftReport ID Theft
�� Provide StatisticsProvide Statistics� Law Law
EnforcementEnforcement
�� Government Government
AgenciesAgencies
�� PublicPublic
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��Fail to ReportFail to Report��Fail to ReportFail to Report
�� Don’t want to get Don’t want to get
anyone in troubleanyone in trouble
�� Not worth the botherNot worth the bother
�� Won’t matterWon’t matter
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��Fail to ReportFail to Report��Fail to ReportFail to Report
�� Responsible Responsible
�� At FaultAt Fault
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� Avoid Financial Loss
� Avoid Emotional Impact
� Avoid Becoming a Victim
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Age 50 to 59 = 13%Age 50 to 59 = 13%
Age 60 to 64 = 4%
Over 65 = 6%
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Why Seniors?
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Why Seniors?
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� In Your Home
� Lost /Stolen Purse or Wallet
� Trash / Dumpster Diving
Call Centers � Call Centers
� Computer Databases� Government
� Banks
� Data Brokers
� Schools
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� Your Social Security Numberprovided to Their Employerprovided to Their Employer
� Effect:
� Reported on Employment Record
� Reported to IRS as Income
� Pay more taxes
� Ineligible for benefits.
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� Charges to Existing Account
� Change of Address� Change of Address
� Over Limit and Late Fees
� Open a New Account
� Collection
� Credit Report
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� Medical
� Apartment Rental� Apartment Rental
� Home Purchase
� Insurance – Car, etc.
� Criminal Activity
� Internet
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� Open New Accounts
NSF Checks� NSF Checks
� Use Existing Accounts
� Check Washing
� Electronic Funds
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� Cell Phone � Cell Phone
� Home Phone
� Satellite or Cable
� Electric or Gas
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� Auto Loan or Lease
Real Estate� Real Estate
� Business
� Personal
� Student
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� Tax Returns
� Drivers License� Drivers License
� Passports
� Benefits
� Food Stamp
� Medicare
� Social Security, Etc.
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DON’T WAIT UNTIL
YOU BECOME A VICTIM!
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1. Protect Your
Social Security Number!
� Ask Questions:� Ask Questions:
� Why is SSN Needed?
� How Will It be Used?
� How is It Protected?
� What Happens if Don’t Provide It?
� Can a Different Number be Used?
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2. Secure the Home Front� Store in Safe Place
� Lock Box
� Include:� Include:
� Checkbooks
� Social Security cards
� Copies of Credit Cards
� Tax Returns
� Other Important Papers
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� Obtain Once Year
� Three Agencies
Stagger / One per Quarter
3. Check Credit Reports
� Stagger / One per Quarter
� Call: 1-800-322-8228
� Write: Call to request form
� Website:
www.annualcreditreport.com
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� Credit Freeze
� Restricts Access
4. Credit Report Protection
� Restricts Access
� Allowed for Everyone
� Extreme Measure
� Last Indefinitely
� Fee to Remove
� Update Contact Info
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� Do Not Give Out Personal
Information to Unexpected Callers
5. Be Cautious of Unknown:
� Do Not Respond to Letters from
Unconfirmed Sources
� Do Not Answer the Door if you Feel
Unsafe – Door to Door Scams
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6. Opt Out
� Credit Card Offers � 1-888-567-8688
� Telemarketing Calls� 1-888-382-1222
� Junk Mail� Direct Marketing Association
1120 Ave of the Americas
New York, NY 10036
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7. Keep Credit Cards and
Identification Close
� Swiping� Swiping
� Ensure Returned
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8. Practice Safe Shopping.
� Don’t Leave Purse Unattended
� Be Aware of Surroundings
� Pay with Credit Card and
Payoff Each Month.
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9. Use Safe Checks and Pens
� Avoid Check Washing
� Don’t Preprint � Don’t Preprint
� Social Security Number
� Driver’s License Number
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10. Guard Your Mail
� Locked Mailbox
� Don’t Use Red Flag
� Shred Everything
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The More You Know
About Identity Theft:
� Less Likely you will
become a Victim!
� Less Likely you will
becaught in a Scam!
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For more information:
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For assistance in resolving an
Identity Theft issue contact:
Consumer Credit CounselingConsumer Credit Counseling
Service of Greater San Antonio
1-800-410-2227
210-979-4330