Welcome!Welcome!

Dial In Number: 435.871.6000 PIN: 419042#

Video Technical Support: 866.779.3239Audio Technical Support: *0

IntroductionsIntroductions

Gerri DetweilerGerri Detweiler - Consumer credit expert

Dedicated consumer advocate ensuring that credit practices better serve, inform and protect consumers

1,500 interviews including CNN, The New York Times, Dateline, Readers Digest and the Today Show

Testified before Congress

Daniel MasseyDaniel Massey – Director, Product Management

Extensive knowledge of credit and banking industries Developed and managed cutting edge web-based financial products Managed enterprise support centers for top-tier financial institutions

Session 3Session 3

Around the Clock Identity Theft Around the Clock Identity Theft Detection & ProtectionDetection & Protection

Standard Precautions Uncommon Knowledge Early Detection Checklist Fraudulent Detection & Resolution

Standard PrecautionsStandard Precautions

What You Already KnowWhat You Already Know

Shred all documents you intend to discard Check your mailbox regularly; add a lock Never give out your entire social security # Change passwords often Use passwords that are not easy to guess Provide personal/financial information

sparingly

Uncommon KnowledgeUncommon Knowledge

Online vs. OfflineOnline vs. Offline

Online is safer than paper transactions Online fraud is less severe, less costly Fraud detected earlier online than on paper Online victims experienced 1/8 financial loss Majority of identity fraud crimes are self-detected

Identity Theft IncidentsIdentity Theft Incidents

24 x 7 Protection24 x 7 Protection

Move OnlineMove Online

Develop an understanding of financial activity Pay your bills online Set up online alerts Monitor your credit report monthly Keep anti-virus, spyware & backup systems

current

Fraudulent ActivityFraudulent Activity

DetectionDetection

Review changes in your credit report each month Watch new inquiries, accounts, address changes Watch financial accounts for unusual activities, set

up alerts for early notification Research suspicious activity quickly Monitor accounts for over a year after breech Watch for latest scams

Fraudulent ActivityFraudulent Activity

ResolutionResolution Contact id theft insurance company Get a police report Fill out ID theft affidavit (www.ftc.gov/idtheft) Order free credit reports Dispute fraudulent accounts and inquiries Keep excellent records! Place a fraud alert on your credit report Contact attorney if needed

24/hour Watchdog!24/hour Watchdog!

Affordable / ComprehensiveAffordable / ComprehensiveCoverageCoverage

Monthly credit report from CSC/Equifax Online account monitoring with alerts ID theft insurance through AIG

Integrated Dispute LettersIntegrated Dispute Letters

•Professional templates authored by credit expert

•Easily personalized

•Detailed instructions

•Ensures results.

Insurance BenefitInsurance Benefit

ID Theft and ID Theft and Credit Fraud InsuranceCredit Fraud Insurance

$25,000 coverage, no deductible Provided by AIG (the leading international insurance organization)

Insurance coverage includes:• Legal Defense Fees And Expenses • Lost wages, including self employed• Out of pocket expenses (ex: Notary costs)

Stay InformedStay Informed

CardRatings MembersCardRatings Members

Get StartedGet StartedSign up on or before July 23rd and receive this black and dark gray striped short-sleeve Izod golf shirt with the EverydayWealth logo stitched in white. (sizes M - XXL).  

Visit www.EverydayWealth.com/CardRatings

EverydayWealthEverydayWealth SystemSystem

It’s EasyIt’s Easy

Create the system to work for you Closely monitor activity for a few weeks Monitor at a glance moving forward

EverydayWealthEverydayWealth

Thank You!Thank You!