legal division csaa insurance group, a aaa insurer protecting your identity: what to know, what to...
TRANSCRIPT
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Legal Division
CSAA Insurance Group, a AAA Insurer
Protecting Your Identity:What to Know, What to Do
2015 Risky Business Week
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Overview
Identity Protection
•What is identity theft?
•How can you reduce your risk?
•What can you do if your identity is stolen?
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What is identity theft?
• Someone steals your personal information and uses it without permission
• Identity theft can damage your finances, credit history, and reputation
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How Can You Reduce Your Risk?
• Make it a habit to monitor your accounts
• Secure your Social Security number
• Protect your personal information
• Be alert to online impersonators
• Protect your devices
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How Can You Reduce Your Risk?
Make it a habit to monitor your accounts
•Read your bank, credit, and account statements and your explanation of medical benefits
•Order a free credit report
– You are entitled to a free credit report every year
– To order:
annualcreditreport.com
1-877-322-8228
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How Can You Reduce Your Risk?
Secure your Social Security number
•If someone asks for it, ask:
– Why do you need it?
– How will it be used?
– How will you protect it?
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How Can You Reduce Your Risk?
Protect your personal information
•Keep your important papers secure
•Be careful with your mail
•Shred sensitive documents
•Don’t overshare on social networking sites
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How Can You Reduce Your Risk?
Be alert to online impersonators
•Don’t click on links in emails
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How Can You Reduce Your Risk?
Protect your devices
•Use anti-virus software, anti-spyware software, and a firewall
•Keep your operating system, browser, and security up to date
•Create strong passwords
•Lock up your devices
•Read privacy policies
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What can you do if your identity is stolen?
• Act fast to limit the damage
• Take these steps immediately
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STEP 1: Call the companies where you know or suspect fraud occurred
STEP 2: Place a fraud alert and get yourcredit report
STEP 3: Report identity theft to the FTC
STEP 4: File a report with your local police
What can you do if your identity is stolen?
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STEP 1: Call the companies where you know or suspect fraud occurred
• Call the fraud department
• Ask them to close or freeze the accounts
• Change logins, passwords, and PINS
What can you do if your identity is stolen?
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STEP 2: Place a fraud alert and get your credit report
• Contact any one of the three nationwide credit reporting companies
– Equifax.com/CreditReportAssistance 1-888-766-0008
– Experian.com/fraudalert 1‑888‑397‑3742
– TransUnion.com/fraud 1‑800‑680‑7289
What can you do if your identity is stolen?
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STEP 2: Place a fraud alert and get your credit report
• Get your free credit report
– annualcreditreport.com
– 1-877-322-8228
What can you do if your identity is stolen?
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STEP 3: Report identity theft to the FTC
• File an identity theft complaint with the FTC
– ftc.gov/complaint
– 1-877-ID-THEFT (1-877-438-4338)
What can you do if your identity is stolen?
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STEP 4: File a report with your local police department
• Go to your local police office with:
– A copy of your FTC Affidavit
– A government-issued photo ID
– Proof of your address
– Any other proof you have of the theft
What can you do if your identity is stolen?
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For more information about identity theft and how you can protect yourself, visit ftc.gov/idtheft or IdentityTheft.gov
Where can you find more information?
Presentation and video content provided courtesy of the FTC
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