what is identity theft? how does identity theft occur? how do you protect yourself? what do you do...
TRANSCRIPT
What is identity theft?How does identity theft occur?How do you protect yourself?What do you do if you are a victim?
Jane DoeCertified Consumer Credit Counselor
Identity TheftPRESENTED BY GREENPATH
What is identity theft?
When someone uses your personal or financial information to perform financial transactions in your name, without your knowledge.
WHAT IS IDENTITY THEFT?
Turn to page 2 in your workbook.
WHAT IS IDENTITY THEFT?
Turn to page 2 in your workbook.
WHAT IS IDENTITY THEFT?
Put the 4 Types of Identity Theft in Order from most
common to least common
1) Business Leaks2) Document Loss
3) Personal Betrayal 4) Computer Crime
How does identity theft
occur?
HOW IDENTITY THEFT OCCURS
Turn to page 3 in your workbook.
• Steal wallets, backpacks, etc.• Steal mail• “Dumpster Dive”• Steal registration and insurance card• Rob your house or business• Email scams• ATM’s• “Skimming”
HOW IDENTITY THEFT OCCURS
Turn to page 4 in your workbook.
Pharming and Phishing
HOW IDENTITY THEFT OCCURS
PHARMING: a process that steals information from unsuspecting internet users.
Pharming – What you can do:1. Delete unknown emails2. Don’t download attachments3. Don’t email personal/
financial info4. Use a secure website
HOW IDENTITY THEFT OCCURS
Turn to page 4 in your workbook.
WHICH IS SECURE?
PHISHING: a practice that online fraudsters use to “fish” for confidential passwords and financial data from the “sea” of internet users using email.
1. Be aware2. Don’t be complacent3. Security over convenience
Phishing – What you can do:
HOW IDENTITY THEFT OCCURS
Turn to page 5 in your workbook.
HOW THIEVES USE YOUR INFORMATION
• Buy merchandise• Open new accounts• Get a cell phone• Open a bank account• Take out a loan
Turn to page 6 in your workbook.
How do I protect myself?
HOW TO PROTECT YOURSELF
• Social Security Card• Passwords• Technology• At Home• Out and About• At Work
Turn to pages 6-8 in your workbook.
What if I’m a victim of
identity theft?
ARE YOU A VICTIM OF IDENTITY THEFT?
• Unexplained charges• Not receiving bills • Receiving credit cards you did not
order• Denied credit for no reason• Collection calls• Inaccuracies on credit reports
Turn to page 9 in your workbook.
TAKE ACTION
Turn to pages 10-11 in your workbook.
TAKE ACTION
• Fair and Accurate Credit Transactions
• Identity Theft and Assumption Deterrence
• Identity Theft Penalty Enhancement
• Fair Credit Billing
Turn to pages 12-13 in your workbook.
TAKE ACTION
• The Electronic Fund Transfer
• Fair Credit Reporting
MONITORING YOUR CREDIT
• Monitoring system• 3 credit reporting agencies:• Experian• TransUnion• Equifax
Turn to pages 13-14 in your workbook.
