chris brunsman senior investigator retriever payment systems 281-376-3399 x1183...
TRANSCRIPT
What is identity theft?
The identity thief gets hold of a piece of your personal information
without your knowledge and intends to commit fraud or theft.
The sky is the limit! The thief is limited only by his imagination.
Why is identity theft so appealing to the criminal mind?
• Armed robbery comes with stiff jail time where id theft has very short sentences (if any)
• Most companies will not prosecute if the loss is below $10,000
• Federal agencies will not necessarily take the case unless the loss is over $25,000
• Local law enforcement typically do not know how to pursue the case or they have so many cases that they cannot work them all
• Anonymity
What kind of information is the identity theft looking for?
Bank Account Numbers Credit Card Numbers Income Information Social Security Number Name Address Phone Numbers
Can you completely prevent identity theft?
If someone really wants to steal your identity, they probably will. The key is to minimize your risk by managing your personal information more cautiously. A thief will likely move on to a different victim if your identity is harder to steal.
How do thieves get your information?
Theft of wallets and purses
Mail theft Dumpster diving Illegally obtaining a
credit bureau report Hacking
Business records theft Medical records theft Email and phone
scams-419 Home burglary The internet
How do identity thieves cash in?
Call credit card issuers and change your address
Open new credit cards
Purchase a cell phone
Open new bank accounts
Buy cars Open merchant
accounts
File bankruptcy once they have maxed out your credit
Pass counterfeit checks or use debit cards to drain your accounts
Arrest warrants in your name
Sell property that they do not own
What you can do today!
• Order copies of your credit report from all three credit reporting agencies
• Call creditors and banks and put passwords on any accounts that you can – Don’t use easily obtainable information like your mother’s maiden name, phone number, birthday, family member’s names, or the last 4 digits of your social security number
• Keep your personal information safe (even in your home)
Respect information security!
Order a copy of your credit bureau reports from all 3 credit reporting agencies every year
Do not give personal information out over the phone or over the internet unless you are sure that it is secure and you know who your are dealing with
Guard your mail and trash (shred anything with a number on it and drop your mail at the Post Office)
Keep your purse or wallet in a secure place at work Beware of promotional scams
Do not provide personal information until you verify that your information is kept secure and will not be sold
Do not carry your social security card with you – leave it in a secure place
Give your SSN out only when absolutely necessary
Carry only the cards and identifying info that you need
Pay attention to your billing cycles and follow up immediately if they do not come on time
Respect information security!
Last, but not least…your computer!
Do not download files sent to you by strangers or click on hyperlinks from people you do not know
Do not download files or click on hyperlinks from friends if the content does not seem like the person you know
Use a secure browser that encrypts or scrambles information that you send over the internet
Update your virus protection software frequently Use a firewall program
Last, but not least…your computer!
Watch for website privacy policies Use a secure browser that encrypts or scrambles
information that you send over the internet Do not sent personal information via email Before you dispose of a computer, use a utility
program to wipe the hard drive Do not store personal or financial information on
a laptop Do not use wireless connections
Would the geeks please stand up?
Trojan Horses
Trojan Horses
Wireless and Sniffing
Internet Chat Rooms
04:55:16 COCO_JAA: !cc04:55:23 {Chk}: 0,19(0 COCO_JAA 9)0 CC for U :4,1 Bob Johns|P. O. Box126|Wendel, CA 25631|United States|510-863-4884|4407070000588951 06/05 (AllThis ccs update everyday From My Hacked shopping Database - You mustregular come here for got all this ccs) 8*** 9(11 TraDecS Chk_Bot FoR #goldcard9)04:55:42 COCO_JAA: !cclimit 440707000058895104:55:46 {Chk}: 0,19(0 COCO_JAA 9)0 Limit for Ur MasterCard(5407070000788951) : 0.881 $ (This Doesn't Mean Its Valid) 4*** 0(11 TraDecS Chk_bot FoR #channel)04:56:55 COCO_JAA: !cardablesite04:57:22 COCO_JAA: !cardable electronics04:57:27 {Chk}: 0,19(0 COCO_JAA 9)0 Site where you can card electronics :*** 9(11 TraDecS Chk_bot FoR #goldcard9)04:58:09 COCO_JAA: !cclimit 423429439113113604:58:12 {Chk}: 0,19(0 COCO_JAA 9)0 Limit for Ur Visa (4264294291131136) :9.697 $ (This Doesn't Mean Its Valid) 4*** 0(11 TraDecS Chk_bot FoR #channel)
Internet Chat Rooms
• mocha: !cc• {Chk}: (mocha) CC for U :Eileen Jones|P. O. Box 122|Wendel, PA 15691|
United States|724-555-4884|5407070000788952 06/05 (All This ccs update everyday From My Hacked shopping Database - You must regular come here for got all this ccs) 8*** (TraDecS Chk_Bot FoR #aucard9)
• mocha: !cclimit 5407070000788952• {Chk}: (mocha)Limit for Ur MasterCard (5407070000788952) : 0.881 $
(This Doesn't Mean Its Valid) (TraDecS Chk_bot FoR #channel)• mocha: !cardablesite• mocha: !cardable electronics• {Chk}: (mocha) Site where you can card electronics : *** (TraDecS
Chk_bot FoR #aucard9)• mocha: !cclimit 4264294291131137• {Chk}: (mocha) Limit for Ur Visa (4264294291131137) : 9.697 $ (This
Doesn't Mean Its Valid) (TraDecS Chk_bot FoR #channel)• mocha: !cclimit 4264294291139747• {Chk}: (mocha) Limit for Ur Visa (4264294291139747) : 9.697 $ (This
Doesn't Mean Its Valid) (TraDecS Chk_bot FoR #channel)
Insiders - Skimmers
Insiders – Keyboard Recording
Insiders – Keyboard Recording
Insider - USB Data Storage Devices
Features: •Pocket-sized for easy transportability •Protective plug-in cap •Plug-and-play USB technology •Works on latest operating systems supporting USB (drivers are required for Windows 98) •Support for File/Drive Compression on compatible operating systems
Be proactive!
• Opt out of pre-screened credit offers and marketing lists with all three credit reporting agencies
• Add consumer statements to your credit bureaus insisting on checking additional identifying information before extending credit
• Watch and be aware when your credit card leaves your site
If you are a victim…Contact the fraud departments for all 3 credit
reporting agenciesClose all accounts that you feel may have been
compromised (Credit Cards, ATM Cards, Checks)
File a police reportCall the FTC’s ID Theft Hotline 877-IDTHEFTKeep notes on every step that you take – record
names, phone numbers, etc.
