1. Identity Theft Officer Bill Roscop Mount Prospect Police Department

2. Illinois National Ranking State of Illinois ranks 12 th –60.2 victims per 100,000 –7,474 victims in Illinois

3. Top Cities in Illinois Chicago2730 Rockford105 Aurora102 Naperville70 Joliet69

4. How Information is misused 42% Credit card Fraud 26% Phone or Utilities Fraud 15% Bank Fraud 10% Employment Related Fraud 8% Government Documents/Benefits Fraud 6% Loan Fraud 15% Other Identity Theft 8% Attempted Identity Theft

5. Top Fraud Complaint Categories 27% Internet Auctions 11% Internet Services & Computer Complaints 9% Shop-at-Home/Catalog Sales 9% Advance-Fee Loans & Credit Protection/Repair 7% Prizes/Sweepstakes & Lotteries

6. Complaints by Victim Age 1) Internet Auctions - 1972 2) Internet Services & Computer Complaints - 820 3) Shop at Home Catalog Sales - 675 4) Advance fee Loans & Credit Protection/Repair - 654 5) Prizes/Sweepstakes and Lotteries - 538

7. Types of Identity Theft Account Takeover Application Fraud

8. Account Takeover –Occurs when a thief acquires: Your existing account information –Makes purchases using your actual credit card –Or the account information »Account number & expiration

9. Shoulder Surfing –At ATM Machines or phone booths for PIN Finding information on Internet sources –Public records –Fee-based information broker sites Stealing Mail Accessing your credit report fraudulently –Posing as landlord –loan officer –or employer Obtaining S.S. # from: –Personnel –customer files How Is It Done?

10. Application Fraud Application Fraud (true name fraud) Thief uses your information To open new accounts in your name Victims not likely to learn of fraud for some time Due to bills and product shipped to a fake address –Vacant building, etc. Learn by receiving monthly statement

11. How Can My Identity Be Stolen? Criminals Steal: Social Security Numbers Drivers License Numbers Credit Card Numbers ATM Cards Telephone Calling Cards And a person’s Date of Birth

12. How Can I Protect Myself? Memorize your Social Security Number and Passwords Do not record password on papers carried with you. Order credit reports every year from credit reporting agencies.

13. Passwords & PIN ’ s Never use: Last four digits of your Social Security Number Mother’s maiden name Your date of birth Middle name Pet’s name Combine letters and numbers Create a password

14. Protection Shield yourself When entering ATM code Phone calling card numbers People may be watching from a distance

15. Prevention What Can I Do? Install a locking mailbox. Pick up new checks at the bank. Use a P.O. Box as an address on your checks. Mail bills at the Post Office. Not at a neighborhood drop box or curb mailbox. Always take credit receipts with you. Do not throw them in a public trash container!

16. Never give out personal or financial information Unless you initiate the call or internet contact Do not carry your Social Security card, birth certificate, or Medicare Card with you unless necessary. Report lost or stolen credit cards immediately. Check your monthly credit card and bank statements for unusual activity. How Can I Protect Myself?

17. All pre-approved credit card applications All documents/receipts showing credit card numbers Unless it is necessary to retain them How Can I Protect Myself? SHREAD,SHREAD,SHREAD

18. Social Security Numbers Protect your Social Security Number Release it only when absolutely necessary Tax forms Employment records Opening bank accounts Stock transactions Property transactions REMEMBER: THIS NUMBER IS THE KEY TO YOUR FINANCES!

19. Where Can I Find My Social Security Number? Insurance Cards Medicare Cards Illinois Drivers License College Student Id Numbers

20. Computer Issues? Do you delete files Or do you cover them up? USE A STRONG “ WIPE ” UTILITY PROGRAM Install a firewall to prevent viruses RUN YOUR VIRUS UPDATES WEEKLY!

21. Computer Protection Password protect sensitive files containing: Personal data Financial information Use passwords that combine 6 – 8 numbers or letters Upper and lower case

22. Contact Police Immediately Identity Theft is a Felony. October 1998 Congress passes the Identity and Assumption Deterrence Act make it a federal crime when anyone: knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. Violations of the Act are investigated by federal investigative agencies such as the U.S. Secret Service, the FBI, and the U.S. Postal Inspection Service and prosecuted by the Department of Justice.

23. Credit Reporting Agencies Equifax (800) 685-1111 (800) 525-6285 Experian (888) EXPERIAN (888) 397-3742 TransUnion (800) 916-8800 (800) 680-7289

24. Other Agencies Federal Trade Commission I.D. Theft Clearinghouse (877) IDTHEFT Web: www.consumer.gov/idtheft Identity Theft Resource Center (858) 693-7935 Web: www.idtheftcenter.org

25. Additional Resources U.S. Department of Justice WWW.USDOJ.GOV/CRIMINAL/FRAUD/IDTHEFT.HTML U.S. FBI Theft Information Center HTTP://NORFOLK.FBI.GOV/1999/IDENT.HTM Fight Identity Theft WWW.FIGHTIDENTITYTHEFT.COM

26. Officer John R. Adams Support Services Staff Officer City of McHenry Police Department 333 South Green Street (815) 363-2200