1. Money Matters workshop Sponsored by the Kansas City Public Library
Identity Theft
Money Matters workshop Sponsored by the
Kansas City Public Library

2. What you will learn What is identity theft
Different types of identity theft
How to protect yourself
Steps to take if you become a victim
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3. What is Identity Theft
Someone has obtained some piece of your sensitive information, like your Social Security Number, date of birth, and phone number and uses it without your knowledge to commit fraud or theft.
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4. Different Types of Identity Theft
Medical
Criminal
Financial
Insurance
Driver’s License
Social Security
Synthetic
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5. Medical ID Theft Person steals your personal information to
obtain medical care
buy drugs
submit fake billings to Medicare
falsify medical records
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6. How Identity theft happens
Dumpster Diving
Rummage through trash
Steal
Steal your purse or wallet
Steal from your home
Debit or credit card- Skimming
Mail
Steal
Divert
Computer hackers
Businesses
Employers
Hospitals
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7. Use Your Information Go on spending sprees
Open lines of credit or new accounts
Apply for loans
Drain your account
Write bad checks
File taxes
File for bankruptcy
Tarnish your police record
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8. Basic Protection Plan Keep an eye on your wallet/purse
Do NOT carry your
Social Security card
Birth certificate
Passport
Do NOT share your personal information with anyone
Do NOT put your Social Security Number on mail- in paper job applications.
Do NOT use obvious passwords
DOB
Mother’s maiden name
Last four digits of your Social Security Number
Do NOT give your credit card or bank account number over the phone or through the mail unless it is a legitimate business.
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9. Basic Protection Plan Protect your mail Read
Sign up for Direct Deposit
Check your credit report
Cut back on the number of cards you carry
Read
bank statements
credit card bills
Review any accounts
Tear up and shred
charge receipts
check and bank statements
Expired credit cards
Lockbox
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10. Mail Removal of mail without permission
Change of Address forms/No mail
Targets
Pre-approved cards
Social security numbers
Employment information
Identifying information
Bank statements
Credit card statements
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11. Be Proactive: Mail Check your mail Call the company Bills New cards
Products
Throw away prize mailings
Do not send money
Do not send personal information
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12. Pre-Approval
Companies solicit new credit card accounts and insurance policies to identify potential customers
information is based on your credit
mail, and telephone
How?
Creditor or insurer asks for a list of people in a database
My Credit
Inquires will not hurt your credit
Removal
Can remove your name from the list
5-60 days for removal
You can opt back in at any time
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13. Telephone
Telephone call asking for personal information, then used without your permission
Bank account information
Credit card information
Social Security Number
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14. Be Proactive: Telephone
Hang Up
unknown people asking personal information
Bank account
Social Security Number
Recording
Fast talkers
Call Back Rule
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15. Be Proactive: Computer
Antivirus/Protection program
Avoid
Public Wi-Fi
Saving passwords to computer
Saving credit card information
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16. Phishing-
Internet fraudsters impersonate a business to gain your personal information
Examples
“We suspect an unauthorized transaction on your account. To ensure that your account is not compromised, please click the link below and confirm your identity.”
“Our records indicate that your account was over-charged. You must call in 7 days to receive your refund.”
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17. Be Proactive:
Delete and text messages that ask you to confirm or provide personal information.
Do not personal financial information.
Only provide personal or financial information on the organization website.
Review credit card and bank statements to check for unauthorized charges.
Be cautious opening attachments and downloading files from s.
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18. Pop Ups
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19. Computer Pop-Ups “Won a prize” or Vacation
Asks you to give your personal information to get the prize
If you DO have to put in your personal information (for a job application, online tax form, etc.), make sure the web address starts with “
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20. Safe Websites
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21. Social Media and Smart Phone
Smartphones
Social Media
Security Software
Stay off/limit public Wi-Fi
Be careful what you store
Turn off GPS locator
Be cautious in the App Store
Research the app
Do not post personal information
Names
DOB
Manage online friends and be cautious of strangers
Do not participate in quizzes that require your Facebook profile
Be mindful of suggested links
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22. Are You a Victim? Stop receiving bills and other mail
Receive credit cards you didn’t apply for
Denied credit for unknown reasons
Wage garnishment
Receive call from debt collectors, companies, or services you didn’t sign up for
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23. If Your Identity is Stolen
Step One:
Call the companies where your know fraud occurred
Step Two: Place a fraud alert and request a credit report
Transunion.com/fraud
Experian.com/fraudalert
Equifax.com/creditReportAssistance
Step Three: Report identity theft to the Federal Trade Commission (FTC)
Step Four: File a report with your local police department
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24. Step 1 Contact your bank and your credit card company
Close new accounts opened in your name
Remove bogus charges from your account
Make sure you will be notified that your accounts are closed and any debt from money you did not spend is discharged
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25. Step 2 Fraud Alert Security Freeze
No one can open a new credit account in your name (including you)
Does not end until you remove it
Must freeze credit with all 3 credit bureaus (Equifax, Experian, & TransUnion)
$5 charge to freeze accounts
$5 charge to unfreeze accounts
If your identity has been stolen and there’s a police report, it’s free
You will get a phone call before anyone can open a new credit account in your name
Initial Fraud Alert: Lasts 90 days
Extended Fraud Alert: Lasts 7 years
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26. Protect Your Children
A child’s identity is taken and used for another person’s personal benefit.
Credit bureaus DO NOT verify age with a social security number.
Age is not reported until the first credit application.
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27. Warning Signs
Denied a new bank account because of previous bank activity
Mailings
unexpected
pre-approved credit card offers
bills
credit cards or bank statements
Denied the right to get a driver’s license
When the police have a warrant for the arrest of an innocent child
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28. Warning Signs Turned down for government benefits
Contact from the IRS stating
Child didn’t pay income taxes
Child’s Social Security number was used on another tax return
Get collection calls or bills for products or services you didn’t receive
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29. Be Informed Read school forms and notices
Find out who has access to your child’s personal information
Verify that records are kept in a secure location
Read school forms and notices
Read school’s personal information policy
Non-sponsored school programs
Data Breach
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30. Risk Factors
Do not share your child’s Social Security number unless you know and trust the other party.
Ask why it’s necessary and how it will be protected.
Ask if you can use a different identifier, or use only the last four digits of your child’s Social Security number.
Be aware of a household member who might want to use a child’s identity to start over.
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31. Risk Factors
You lose a wallet, purse, or paperwork that has your child’s Social Security information.
You experience a break-in at your home.
Your school, doctor’s office, or business notifies you that your child’s information was affected by a security breach.
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32. Be Proactive Safe Location paperwork electronic records
Shred all documents that show your child’s personal information
Be informed
Ask schools and other organizations to safeguard your child’s information
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33. Victim of identity theft
You will need to follow similar procedures as with any potential identity theft.
When you write to the three credit bureaus you will need to request a search of a credit report in the child’s name.
Depending on the credit bureau you will need to include the following:
Child’s full name
A copy of the child’s social security card
A copy of the child’s birth certificate
Your name and proof of address
Your relationship to the child
Your state ID
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34. References Federal Trade Commission
Information to help with identity theft
File a compliant
Protection for children: Identity, computer, social media
Lifelock
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35. H&R Block Business & Career Center
At the the Kansas City Public Library
3rd floor of Central Library, 14 W. 10th St.
Books on personal finance, job hunting, small business development
Personal finance: Budgeting, credit, investing, real estate, identity theft
Personal finance website (Sign up for more workshops on this website)
Computers with software for resume and business plan writing
Resources for nonprofit development

36. Financial Opportunity Centers
Women’s Employment Network
920 Main St, Suite 100
Kansas City, MO 64105 P:
Guadalupe Centers Inc.
2600 Belleview
Kansas City, MO  64108 P:
Prosperity Center
5151 Troost Avenue, Suite 100
Kansas City, MO 64110 P:
Community Services League
404 N Noland Rd
Independence, MO 64050 P:
Ask Me How I Can Help!
One-on-one counseling
Financial Coaching
Budgeting
Setting future financial plans
Tools for rebuilding credit
Accountability