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Identity Theft: Prepare and Protect Yourself

Date post: 03-Jan-2016
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Identity Theft: Prepare and Protect Yourself. What is Identity Theft?. Identity theft occurs when someone uses your personal information, without your permission, to commit fraud or other crimes. They use information such as your: Name, Social Security number, or Credit card number(s) - PowerPoint PPT Presentation
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Identity Theft: Prepare and Protect Yourself
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Page 1: Identity Theft: Prepare and Protect Yourself

Identity Theft:Prepare and Protect Yourself

Page 2: Identity Theft: Prepare and Protect Yourself

What is Identity Theft?

Identity theft occurs when someone uses your personal

information, without your permission, to commit fraud or other

crimes.

They use information such as your: Name, Social Security number, or Credit card number(s)

The Federal Trade Commission (FTC) estimates roughly 10

million Americans have their identities stolen each year.

2

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 3: Identity Theft: Prepare and Protect Yourself

How Do Thieves Steal Identities?

Dumpster Diving: Search trash for

bills or other paperwork containing

personal information.

Skimming: Steal credit/debit card

numbers using special storage devices

when processing your card.

Phishing: Pretend to be financial

institutions or companies

communicating via e-mail or pop-up

messages to get you to reveal your

personal information.

Changing Your Address: Directing

your billing statements to another

address.

Burglary: Steal wallets and purses;

mail, personnel records, or bribe

employees who have access.

Pretexting: Use false pretenses to

obtain your personal information from

financial institutions, telephone

companies, and other sources.

3

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 4: Identity Theft: Prepare and Protect Yourself

How Thieves Use Your Identity

Change the billing address

on your credit card so that

you no longer receive bills,

and then run up charges

on your account.

Open a phone or wireless

account, or run up charges

on your existing account.

Use your name to get

utility services like

electricity, heating, or

cable TV.

Get financing in your

name.

4

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 5: Identity Theft: Prepare and Protect Yourself

How Thieves Use Your Identity

Use your name to get

government benefits.

Gain employment

using your Social

Security number.

Provide your personal

information to police

during an arrest.

5

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 6: Identity Theft: Prepare and Protect Yourself

Protect Yourself

Shred financial documents and paperwork containing personal information before you

discard them.

Don’t carry your Social Security card in your wallet or write your Social Security number

on a check.

Don’t give out personal information on the phone, through the mail, or over the Internet.

Don’t use obvious passwords.

Keep your personal information in a secure place.

6

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 7: Identity Theft: Prepare and Protect Yourself

Be On The Lookout…

Signs you may be a victim include:

Mail or bills that do not arrive as expected

Unexpected credit cards or account statements

Denials of credit for no apparent reason

Calls or letters about purchases you did not make

7

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 8: Identity Theft: Prepare and Protect Yourself

Do Some Detective Work

Visit

www.AnnualCredit

Report.com or call

1-877-322-8228, to

order your free

credit reports each

year.

8

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 9: Identity Theft: Prepare and Protect Yourself

If You Become A Victim

Place a “Fraud Alert”

on your credit

reports, and review

the reports carefully.

Equifax:

1-800-525-6285

Experian:

1-888-397-3742

TransUnion:

1-800-680-7289

Close accounts.

9

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 10: Identity Theft: Prepare and Protect Yourself

If You Become A Victim

File a police report.

Report your

complaint to the

FTC.

Online:

ftc.gov/idtheft

By phone:

1-877-438-4338

10

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200

Page 11: Identity Theft: Prepare and Protect Yourself

Questions?

Cambridge Credit Counseling Corp.• Agawam • MA • 1-800-897-2200


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