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Preventing ID Theft & Account Fraud

Learn how ID theft and account fraud occur, their effects, prevention methods, and cleanup procedures. Discover the changing face of ID theft and various types of theft, along with available resources for protection and recovery.

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Preventing ID Theft & Account Fraud

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  1. a Welcome to ID Theft & ACCOUNT FRAUD Prevention & Cleanup MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  2. What will you learn? • During this presentation you will learn: • How ID theft and account fraud happen • The effects of ID theft and account fraud • How to avoid becoming a victim MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  3. The changing face of ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  4. What is ID theft and account fraud? • When someone steals another person’s personal information to commit fraud MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  5. So Medical ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  6. Criminal ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  7. Child ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  8. Theft of a deceased person’s identity MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  9. How do thieves get your information? MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  10. It could be an inside job! MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  11. Data Breach MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  12. The costs of identity theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  13. ID theft prevention MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  14. Specialty reports • Medical Information Bureau (MIB) • IntelliScript and MedPoint (prescription drug purchase histories) MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  15. Specialty reports • Residential tenant reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  16. Check-writing history reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  17. Employment data reports • The Work Number maintains information on approximately 25 million employees: 800-996-7566 www.theworknumber.com MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  18. Insurance claims reports • Informs insurers about claims you have made against your homeowners or automobile insurance policies LexisNexis C.L.U.E.: 866-312-8076 Insurance Services Office (ISO) A-Plus: 800-627-3487 MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  19. Employment background checks • LexisNexis Employment History Report 866-312-8075 personalreports.lexisnexis.com/employment_history_report.jsp MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  20. Utility & telecommunications records MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  21. Internet safety MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  22. Active duty alert MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  23. Already an ID theft victim? MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  24. ID theft cleanup • File a police report • Contact appropriate state and federal law enforcement agencies • Complete a free ID theft affidavit from the FTC: www.ftc.gov/idtheft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  25. Fraud alerts What is a fraud alert? • Credit bureaus will work with you to verify information and delete fraudulent data in reports • Place a “minor” alert if you suspect your child’s identity has been stolen MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  26. Freeze your credit MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  27. Shopping for ID theft services MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  28. Dealing with collection agencies MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  29. Government resources • FTC: www.ftc.gov/idtheft • OnguardOnline.gov: www.onguardonline.gov • StopFraud.gov: www.stopfraud.gov • IDTheft.gov: www.idtheft.gov • United States Postal Inspection Service: https://postalinspectors.uspis.gov • Social Security Administration: www.ssa.gov • FBI: www.fbi.gov MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  30. Non-profit resources • Consumer Action: www.consumer-action.org • Identity Theft Resource Center: www.idtheftcenter.org • National Fraud Information Center: www.fraud.org • Privacy Rights Clearinghouse: www.privacyrights.org • AARP: www.aarp.org/money/scams-fraud/ • National Association of Attorneys General (NAAG): www.naag.org MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  31. Other resources • Identity Theft Assistance Center: www.identitytheftassistance.org • 2013 Identity Fraud report: Javelin Strategy & Research: www.javelinstrategy.com • Fact Sheet 115: When You Personally Know the Identity Thief Identity Theft Resource Center: www.idtheftcenter.org • Fact Sheet 17a: Identity theft: What to Do if It Happens to You Privacy Rights Clearinghouse: www.privacyrights.org • Synthetic Identity Theft: Identity Theft Resource Center: idtheftcenter.blogspot.com/2012/06/synthetic-identity-theft.html MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

  32. Visit money-wise.orgfor additional information and to access free financial education materials MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

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