1. a ID Theft & ACCOUNT FRAUD Welcome to MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Prevention & Cleanup

2. What will you learn? During this presentation you will learn: How ID theft and account fraud happen The effects of ID theft and account fraud How to avoid becoming a victim MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

3. The changing face of ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

4. What is ID theft and account fraud? When someone steals another person’s personal information to commit fraud MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

5. So Medical ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

6. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Criminal ID theft

7. Child ID theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

8. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Theft of a deceased person’s identity

9. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP How do thieves get your information?

10. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP It could be an inside job!

11. Data Breach MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

12. The costs of identity theft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

13. ID theft prevention MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

14. Medical Information Bureau (MIB) IntelliScript and MedPoint (prescription drug purchase histories) MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Specialty reports

15. Residential tenant reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

16. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Check-writing history reports

17. Employment data reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP The Work Number maintains information on approximately 25 million employees: 800-996-7566 www.theworknumber.com

18. Insurance claims reports MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Informs insurers about claims you have made against your homeowners or automobile insurance policies LexisNexis C.L.U.E.: 866-312-8076 Insurance Services Office (ISO) A-Plus: 800-627-3487

19. Employment background checks MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP LexisNexis Employment History Report 866-312-8075 personalreports.lexisnexis.com/employ ment_history_report.jsp

20. Utility & telecommunications records MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

21. Internet safety MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

22. Active duty alert MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

23. Already an ID theft victim? MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

24. ID theft cleanup File a police report Contact appropriate state and federal law enforcement agencies Complete a free ID theft affidavit from the FTC: www.ftc.gov/idtheft MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

25. Fraud alerts What is a fraud alert? Credit bureaus will work with you to verify information and delete fraudulent data in reports Place a “minor” alert if you suspect your child’s identity has been stolen MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

26. Freeze your credit MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

27. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Shopping for ID theft services

28. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Dealing with collection agencies

29. Government resources FTC: www.ftc.gov/idtheft OnguardOnline.gov: www.onguardonline.gov StopFraud.gov: www.stopfraud.gov IDTheft.gov: www.idtheft.gov United States Postal Inspection Service: https://postalinspectors.uspis.gov Social Security Administration: www.ssa.gov FBI: www.fbi.gov MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

30. Non-profit resources Consumer Action: www.consumer-action.org Identity Theft Resource Center: www.idtheftcenter.org National Fraud Information Center: www.fraud.org Privacy Rights Clearinghouse: www.privacyrights.org AARP: www.aarp.org/money/scams-fraud/ National Association of Attorneys General (NAAG): www.naag.org MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

31. Other resources Identity Theft Assistance Center: www.identitytheftassistance.org 2013 Identity Fraud report: Javelin Strategy & Research: www.javelinstrategy.com Fact Sheet 115: When You Personally Know the Identity Thief Identity Theft Resource Center: www.idtheftcenter.org Fact Sheet 17a: Identity theft: What to Do if It Happens to You Privacy Rights Clearinghouse: www.privacyrights.org Synthetic Identity Theft: Identity Theft Resource Center: idtheftcenter.blogspot.com/2012/06/synthetic-identity-theft.html MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP

32. MoneyWI$E A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP Visit money-wise.org for additional information and to access free financial education materials