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The Revolutionary Laptop. Identity Theft. Young/Your innocence lost. Identity Theft Vocabulary. Blog – A frequent, chronological publication of personal thoughts

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identity theft vocabulary
Identity Theft Vocabulary
  • Blog– A frequent, chronological publication of personal thoughts
  • Collection Agencies – businesses or attorneys whose job is to collect money owed by “you” to another business. **You have rights under the Fair Debt Collection and Practices Act about how they can act.
  • Credit Report– report card about your credit history
  • Credit Reporting Agencies- Equifax, TransUnion and Experian. These are three separate companies that keep large databases about your credit history.
  • Dumpster Diving– going into a trash can for documents that can be used for identity theft
identity theft vocabulary1
Identity Theft Vocabulary
  • Felony– a crime sufficiently serious to be punishable by death or a long term in prison (i.e. violent crime, high damage identity theft crime)
  • Firewall– software that blocks your computer information from an outside source
  • Forgery– creating a false document, altering a document or writing a false signature for the illegal benefit of the person making the forgery
  • Fraud – a type of crime used to gain services, money, information
  • Identity theft – a crime that occurs when a person steals your personal information and uses for self-gain
slide6

WHAT IS IDENTITY THEFT?

  • It occurs when someone steals your personal information – e.g., credit card or Social Security number – and uses it fraudulently
  • It can cost you time and money
  • It can destroy your credit and ruin your good name
slide7

HOW DOES IDENTITY THEFT HAPPEN?

  • Identity thieves may:
    • Go through your trash or “dumpster dive”
    • Steal your wallet or purse
    • Steal your mail or submit a change of address form for your mail
    • Use “phishing” or fake emails to get you to provide personal information
    • Steal personnel records from their employers
slide8

WHAT CAN YOU DO?

  • DETER
  • Deter identity thieves by safeguarding your information
  • DETECT
  • Detect suspicious activity by routinely monitoring your financial
  • accounts and billing statements
  • DEFEND
  • Defend against identity theft as soon as you suspect a problem
slide9

DETER identity thieves by safeguarding your information.

  • Shred financial documents before discarding them
  • Protect your Social Security number
  • Don’t give out personal information unless you’re sure who
  • you’re dealing with
  • Don’t use obvious passwords
  • Keep your information secure
slide10

DETECT suspicious activity by routinely monitoring your financial

accounts and billing statements.

  • Be alert
    • Mail or bills that don’t arrive
    • Denials of credit for no reason
  • Inspect your credit report
    • Law entitles you to one free report a year from each nationwide

credit reporting agencies if you ask for it

    • Online: www.AnnualCreditReport.com
  • Inspect your financial statements
    • Look for charges you didn’t make
slide11

DEFEND against identity theft as soon as you suspect

a problem.

  • Place a “Fraud Alert” on your credit reports by calling any one of the

three nationwide credit reporting companies:

    • Equifax: 1-800-525-6285
    • Experian: 1-888-397-3742
    • TransUnion: 1-800-680-7289
    • Review reports carefully, looking for fraudulent activity
  • Close accounts that have been tampered with or opened fraudulently
  • File a police report
  • Contact the Federal Trade Commission
identity theft1
Identity Theft
  • http://www.youtube.com/watch?v=AVRlZUjDV1c&feature=player_embedded#!
identity theft vocabulary2
Identity Theft Vocabulary
  • Imposter – someone pretending to be another person
  • Misdemeanor– a crime punishable by a fine and/or county jail time (i.e. traffic ticket, sometimes given to first offenders)
  • Peer-to-Peer- P2P is an application that runs on a personal computer and shares files with other users across the internet.
  • Perpetrator– a criminal or an imposter
  • Phishing – a scam that tries to trick you into giving our your SSN and other personal information
identity theft your stolen future
Identity Theft – YOUR Stolen Future
  • https://www.youtube.com/watch?v=FMoZ2JNaxoA&feature=player_embedded#!
identity theft vocabulary3
Identity Theft Vocabulary
  • Scam – trickery used to gain information
  • Shoulder Surfing – the act of listening in or looking over someone’s shoulder to see information they can use to steal you identity
  • Social Networking - web sites and services that allow you to connect with friends, family, and colleagues online.
  • Social Security Number (SSN) – a unique identifier issued by the Social Security Administration to all individuals
a few statistics

http://idtheftinfo.org/index.php?option=com_content&view=article&id=8&Itemid=7http://idtheftinfo.org/index.php?option=com_content&view=article&id=8&Itemid=7

A Few Statistics
  • 26% of victims were six to ten-years-old, a percentage. (Was only 19% last year - up by almost 7% from last year’s report)
  • Child identity thieves used their victims’ Social Security numbers to open credit cards and secure auto loans, student loans, mortgages and business lines of credit, among other things.
  • $1.5 million was the largest fraud committed. (19-year-old girl whose Social Security number had been used since she was nine-years-old).

http://www.identitytheftassistance.org/pageview.php?cateid=47

child identity theft
Child Identity Theft
  • http://www.youtube.com/watch?v=tJH0PkuFbNw
new focused victims
NEW FOCUSED VICTIMS

Children were targeted by scammers 35 times more often than adults, with 15% of the victims under the age of five, according to AllClear ID.

Some state children are 51 times more at risk. (lk)

to catch an id thief
To Catch An ID Thief

http://www.youtube.com/watch?feature=player_embedded&v=O1ZheUiPJJQ#!

Run Time: 8min, 58 sec

slide24

https://www.allclearid.com/child/child-id-theft-statistics-2012https://www.allclearid.com/child/child-id-theft-statistics-2012

how did victims find out
How did victims find out?
  • Approximately 85% of victims discovered the crime due to an adverse situation - denied credit or employment.
  • Every 79 seconds, a thief steals someone's identity, opens accounts in the victim's name, and goes on a buying spree.

http://identitytheft.lifetips.com/faq/132670/0/how-can-i-protect-myself-from-identity-theft/index.html

repairing your name credit
REPAIRING YOUR NAME/CREDIT
  • The Federal Trade Commission (FTC)tracks identity theft statistics, helps victims, and coordinates responses by various governmental agencies. They estimate that recovering from identity theft takes an average of six months and 200 hours of work.

http://www.identitytheftlabs.com/identity-theft/identity-recovery/

how thieves steal prior to birth destructive implications
How Thieves Steal Prior To Birth, Destructive Implications

https://www.youtube.com/watch?v=zXWzVF24xAk&feature=related