Legal Division CSAA Insurance Group, a AAA Insurer Protecting Your Identity: What to Know, What to Do 2015 Risky Business Week

Overview Identity Protection What is identity theft? How can you reduce your risk? What can you do if your identity is stolen?

What is identity theft? Someone steals your personal information and uses it without permission Identity theft can damage your finances, credit history, and reputation

How Can You Reduce Your Risk? Make it a habit to monitor your accounts Secure your Social Security number Protect your personal information Be alert to online impersonators Protect your devices

How Can You Reduce Your Risk? Make it a habit to monitor your accounts Read your bank, credit, and account statements and your explanation of medical benefits Order a free credit report –You are entitled to a free credit report every year –To order: annualcreditreport.com

How Can You Reduce Your Risk? Secure your Social Security number If someone asks for it, ask: –Why do you need it? –How will it be used? –How will you protect it?

How Can You Reduce Your Risk? Protect your personal information Keep your important papers secure Be careful with your mail Shred sensitive documents Don’t overshare on social networking sites

How Can You Reduce Your Risk? Be alert to online impersonators Don’t click on links in s

How Can You Reduce Your Risk? Protect your devices Use anti-virus software, anti-spyware software, and a firewall Keep your operating system, browser, and security up to date Create strong passwords Lock up your devices Read privacy policies

What can you do if your identity is stolen? Act fast to limit the damage Take these steps immediately

STEP 1:Call the companies where you know or suspect fraud occurred STEP 2:Place a fraud alert and get your credit report STEP 3:Report identity theft to the FTC STEP 4:File a report with your local police What can you do if your identity is stolen?

STEP 1:Call the companies where you know or suspect fraud occurred Call the fraud department Ask them to close or freeze the accounts Change logins, passwords, and PINS What can you do if your identity is stolen?

STEP 2:Place a fraud alert and get your credit report Contact any one of the three nationwide credit reporting companies –Equifax.com/CreditReportAssistance –Experian.com/fraudalert1 ‑ 888 ‑ 397 ‑ 3742 –TransUnion.com/fraud1 ‑ 800 ‑ 680 ‑ 7289 What can you do if your identity is stolen?

STEP 2:Place a fraud alert and get your credit report Get your free credit report –annualcreditreport.com – What can you do if your identity is stolen?

STEP 3:Report identity theft to the FTC File an identity theft complaint with the FTC –ftc.gov/complaint –1-877-ID-THEFT ( ) What can you do if your identity is stolen?

STEP 4: File a report with your local police department Go to your local police office with: –A copy of your FTC Affidavit –A government-issued photo ID –Proof of your address –Any other proof you have of the theft What can you do if your identity is stolen?

For more information about identity theft and how you can protect yourself, visit ftc.gov/idtheft or IdentityTheft.gov Where can you find more information? Presentation and video content provided courtesy of the FTC

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