Identity Theft: How Vulnerable are you? Ronald J. Leach.

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Presentation transcript:

Identity Theft: How Vulnerable are you? Ronald J. Leach

Identity Theft Use of existing accounts – easiest to fix Use of existing accounts – easiest to fix Takeovers of existing accounts – can limit your access to your money Takeovers of existing accounts – can limit your access to your money New accounts – you may not be notified New accounts – you may not be notified

Check credit reports yearly Its free, free, free! Its free, free, free! AnnualCreditReport.com AnnualCreditReport.com

Case study - “ A ” Had checkbook stolen Had checkbook stolen Took many hours to stop continued cashing of checks, even after account was closed! Took many hours to stop continued cashing of checks, even after account was closed!

Case study – “ B ” Had Medical Identity stolen Had Medical Identity stolen

Case study – ‘ B ” Card number, Social Security Number copied, given to others, possibly by a clerk Card number, Social Security Number copied, given to others, possibly by a clerk Learned about collection notices asking for a credit report before getting married Learned about collection notices asking for a credit report before getting married

Case study – ‘ B ” Many judgments Many judgments A helicopter transfer to a hospital for $19,000! A helicopter transfer to a hospital for $19,000!

Case study – “ P ” Had wallet stolen Had wallet stolen Lost checkbook Lost checkbook Lost driver ’ s license Lost driver ’ s license Lost medical cards Lost medical cards

Case study - “ SG ” Had computer account hacked Had computer account hacked Everyone in mailbox was sent multiple convincing messages Everyone in mailbox was sent multiple convincing messages

Case study - “ SG ” Others had their computer account hacked Others had their computer account hacked “ P ” “ P ” “ S ” “ S ” “ JF ” “ JF ” “ H&B ” “ H&B ” Others Others

Hackers got his information:

from a wireless connection at an Internet café Did you use a hotel ’ s wireless? Was it protected?

18

Case study – “ W ” Had mortgage placed on house Had mortgage placed on house Mortgage company began foreclosure Mortgage company began foreclosure

Case study – “ W ” His house His house

Case study – “ W ” His house – not! His house – not!

How could crooks get access to W? Land records Land records Stolen mail Stolen mail

Case study – me and a credit card Had phone message at work, asked me to call an 800 number about my card Had phone message at work, asked me to call an 800 number about my card Got an uneasy feeling Got an uneasy feeling

Case study – me and a credit card Back of card had correct number. Back of card had correct number. The telephone call had a different number The telephone call had a different number Call was spurious, so was 800 number Call was spurious, so was 800 number No problems with card No problems with card Whew! Whew!

Case study – me and broker Show me the money Show me the money –My money! Don ’ t show me his money Don ’ t show me his money

Case study – me and broker Previous user ’ s data still on screen Previous user ’ s data still on screen Poor software – didn ’ t clear screen Poor software – didn ’ t clear screen My transaction went through – I was notified by mail My transaction went through – I was notified by mail Also notified of his transactions by mail Also notified of his transactions by mail

Case study – me and broker Called broker about error – did not get confirmation by mail Called broker about error – did not get confirmation by mail Got three additional confirmation letters Got three additional confirmation letters

Case study – me and broker Called broker about error – did not get confirmation by mail Called broker about error – did not get confirmation by mail Got three additional confirmation letters on his account! Got three additional confirmation letters on his account!

Case study – me and broker Called person ’ s home phone Called person ’ s home phone The wife was unaware of his transferring funds The wife was unaware of his transferring funds The wife ’ s reaction The wife ’ s reaction

What is the most valuable item you have? Credit Card? Credit Card? Checkbook? Checkbook? Driver ’ s License? Driver ’ s License? Social Security Card? Social Security Card? Membership card? Membership card? Ship ID card? Ship ID card? Passport ? Passport ?

How long would it take you to replace the stolen item – a few days/months/years? Credit Card? Credit Card? Checkbook? Checkbook? Driver ’ s License? Driver ’ s License? Social Security Card? Social Security Card? Membership card? Membership card? Ship ID card? Ship ID card? Passport ? Passport ?

Passports can be the most difficult to replace if you are abroad

How long would it take you to replace the stolen item? 1. Passport 2. Social Security Number

How much does an annual credit report cost?

T is for Trespass

Do you read your credit card statement?

How much does an annual credit report cost? Nothing! AnnualCreditReport.com AnnualCreditReport.com

Thank you!