1. Do Now Spend 5 min write and tell me: What is one concern you have about going to college? Put in Folder College Fear statement. Stress # and Current Event article? Presenters: Day #2 Identity Theft Objectives Will be able to identify: What information should be kept secured. Ways to Prevent Identiy theft. What to do with identify information that is no longer needed. What to do if you suspect Fraud. Resources for newest information Free Credit Agencies

2. Identity Theft MTF 10/2014

3. Objectives Will be able to identify: what information should be kept secured. ways to Prevent Identiy theft. what to do with identify information that is no longer needed. What to do if you suspect Fraud. Resources for newest information Free Credit Agencies

4. Identity Theft What is it? A crime that occurs when a person steals your personal information and uses it for self- gain.

5. Ways to Prevent Identity theft Look out for shoulder surfers who listen in or look over someone’s shoulder to see information they can use to steal your identity. ATM use. Only use Bank ATMs. Clean wallet out regularly Do not sign credit cards write on back see ID. Forgery writing a false signature, creating a false doculment, or altering a document for the illegal benefit of the person making the forgery.

6. Ways to Prevent Identity theft con’t. Do not post vacation plans on Social Networking sites referring to a broad class of websites and services that allow you to connect with friends, family, and colleagues online, as well as meet people with similar interests or hobbies. Blogging a frequent, chronological publication of personal thoughts do not divulge PII, use handles

7. Ways to Prevent Identity theft con’t Be wary of Peer to Peer file sharing programs. These are applications that runs on a personal computer and shares files with other users across the internet While they provide you the ability to exchange files, they also open you up to unauthorized access on your computer

8. Stop the junk mail and calls Mail: official mail box should be used for outgoing mail. PO Box for incoming mail. Stop junk mail and credit applications @ www. dmaconsumers.org Do not give personal information to Telemarketers Stop call register www.donotcall.gov 888-382-1222

9. What information should be kept secured Personal Identification Information (PII) Complete name and address Date of Birth Social Security number A unique identifier issued by the Social Security Adminsration to all individuals keep in a safe locked place Never keep in your wallet Social Security Card Passwords Keep secured log of all account numbers and copies of credit and debit cards at home in secured place

10. What to do with identify information that is no longer needed SHRED EVERYTHING Use cross shredders to get rid of all mail that contains identifying information. This type of shredder prevent puzzling information back together. Junk Mail Account statements anything with your name, address, phone numbers old tax statements. Report cards Why? Dumpster Divers those who go into the trash for documents that can be used for identity theft

11. Ways to keep technology secure Keep Computer Security Software updated Firewalls software that blocks your computer information from an outside source. Do not share Passwords. Create strong passwords using numbers and letters in upper and lower case. Do not respond to spam emails or text messages even to cancel Look out for Scams trickery used to gain information. Do not participate in online surveys that require you to provide personal information. Be wary of Phishing scams that try to trick you into giving your SSN and other personal information to them.

12. What to do if you suspect Fraud. File a police report get a copy of the report. Place a Fraud (a type of crime used to gain servicies, money, or information) alert to the 3 Credit Reporting Agencies 90 day alert that can be extended to 7 yrs. Contact Creditors Close accounts you know were jeopardized Alert your bank Report to social security administration if ss card was lost or stolen If needed contact a credit counselor

13. 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 they can Can Act. Fair Trade commission http://www.ftc.gov/enforcement/rules/rulemaking- regulatory-reform-proceedings/fair-debt-collection-practices- act-text http://www.ftc.gov/enforcement/rules/rulemaking- regulatory-reform-proceedings/fair-debt-collection-practices- act-text

14. What about those that steal your Identity Perpetrator is the criminal or imposter the person using your information or stealing your information for his gain. The imposter is someone that is pretending to be another person. Repeat offenders and those committing highly damaging Identity theft crimes is a Felony and is punishable by long prison terms.

15. Resources for newest information ITRC: Identity Theft Proctection Center http://www.idtheftcenter.org On Guard Online.gov http://www.onguardonline.gov FTC: Federal Trade Commission http://www.ftc.gov

16. Keep your Credit Report in good standing Credit report is a kind of report card about your credit history Don’t supply phone for some else in your name they cannot get a phone because they have bad credit. Don’t loan a credit card or debit card to a friend. they probably have bad credit and cannot Don’t cosign for any cell phone, utility account, care loan or credit card. Never loan your drivers license or ID to anyone. If they commit a misdemeanor which is a crime punishable by a fine and or ounty jail time you will be the offender, if your ID or license is used.

17. Free Credit Agencies Check your Credit Report Annually Credit Reporting Agencies: There are three separate companies that keep large databases about our credit history. Order your free annual credit reports on-line at: www.annualcreditreport.com or by calling (877) 322-8228 www.annualcreditreport.com Equifax P.O. Box 740241 Atlanta, GA 30374 1-800-525-6285 www.equifax.comwww.equifax.com Experian (formerly TRW) P.O. Box 9532 Allen, TX 75013 1-888-397-3742 www.experian.com www.experian.com TransUnion Corp P.O. Box 6790 Fullerton, CA 92834 1-800-680-7289 www.transunion.com www.transunion.com

18. Word Bank BLOGPEER TO PEER COLLECTION AGENCIESPERPETRATOR CREDIT REPORTPHISHING CREDIT REPORTING AGENCIESSCAM DUMPSTER DIVINGSHOULDER SURFING FELONYSOCIAL NETWORKING FIREWALLSOCIAL SECURITY NUMBER FORGERYMISDEMEANOR FRAUDIMPOSTER IDENTITY THEFT