Identity Theft. Help Your Students Avoid This Epidemic Sun Ow
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1 Identity Theft Help Your Students Avoid This Epidemic Sun Ow
2 34% of identity theft victims are college students
3 Did You Know Only 24% of fraudulent charges were first caught by a consumer s financial institution Every three seconds someone's identity is stolen The FTC estimates that as many as 9 million Americans have their identities stolen each year
4 Why College Students May Become a Target Moving to campus locations and living with roommates Placing orders over the internet in public places Discarding credit card offers without shredding them
5 Why College Students May Become a Target Being careless with student IDs, PINs, and credit card information Using cell phones in public and divulging sensitive information Leaving dorm rooms unlocked Walking away from laptops or tablets
6 Objectives 1 Recognize the types of identity theft 2 Discuss ways in which identity theft occurs 3 Review the potential impact 4 Identify ways to protect themselves
7 Objectives 5 Determine what to do if they suspect a problem 6 Pinpoint techniques to prevent being a victim 7 Share ways to educate your students
8 Test Your Identity IQ One out of four people are affected by identity theft Identity theft issues are resolved quickly once reported to the authorities True False
9 Test Your Identity IQ 7% of all adults have their identities stolen from gov t or corporate databases Identity theft is not a serious crime College students comprise the single largest demographic of all identity theft victims True False True
10 What Are the Types of Identity Theft?
11 First: What Is It? Identity theft occurs when an unauthorized person steals your personal information and uses it to commit identity fraud by Getting a loan Using an existing account
12 Second: What s the Harm? Identity theft can ruin your credit Recovering your credit and your good name can be time consuming and expensive Credit Time consuming Expensive
13 Types of Identity Theft 1 Financial identity theft 2 Criminal identity theft 3 Identity cloning 4 Business/commercial identity theft
14 Consumer Sentinel Network Identity Theft Complaints by Victims Ages 1 19 and Under 7% % 24% % % % 70 And Over 5 % Source: Consumer Sentinel Network
15 How Does Identity Theft Occur?
16 Beware 1 False identification 4 Social engineering 2 Credit card fraud 5 Dumpster diving 3 Computer hacking 6 Mail theft
17 The Thief in the Machine Skimming Captures information on a data storage device Phishing Captures information through or phone Pharming Captures information through a fake website
18 The Thief in the Machine Vishing A form of phishing that is short for voice-phishing Captures information using VolP (Voice over Internet Protocol) Accomplished through s or cold calls
19 Social Media Statistics: By-the-Numbers of Americans have never checked their social networking privacy and security account settings of teen Facebook users share photos and videos of themselves an tag friends National Cyber Security Alliance (NCSA)-MacAfee Online Safety Study, 2011 PEW Research Center, 2013
20 Social Media Statistics: By-the-Numbers of teen profile creators say it would be "pretty easy" for someone to find out who they are from the information posted on their profile of teen Facebook users share their personal cell phone number Internetsafety101.org PEW Research Center, 2013
21 Did You Know 25% of Facebook users don t bother with privacy settings Facebook users share 2.5 billion pieces of content per day 40 million photos are posted in Instagram a day Flickr hosts more than 4 billion images Huffington Post Ivn.us Econsultancy.com
22 Did You Know 72% of teens have a social networking profile and nearly half (47%) have a public profile viewable by anyone Of the active adult users of Facebook, 66% reported they did not know privacy controls existed on Facebook and/or they did not know how to use them Internetsafety101.org Consumer Reports, June 2011
23 Did You Know 76% 26% 36% of teens are at least somewhat concerned that posting information publicly could negatively impact future of teens know someone something bad has happened to because of information or photos posted online of year olds have and use Instagram regularly Internetsafety101.org
24 Friends May Not Be Friends Social networks can be a target of identity theft Use anti-phishing filters Use the official networking site Be suspicious of anyone who asks for money
25 Friends May Not Be Friends Verify circumstances independently, preferably by direct telephone contact Use different passwords for all web accounts Include more than one contact address Review a site s security page for Current alerts Steps to take if you become a victim
26 Students Put Themselves at Risk Tweeting that they re enjoying some alone time Facebook status updated that they re away from home or out-of-town Including personal statistics such as birth date, address, cell phone number Accepting friend requests from people they do not know
27 Other Methods of Identity Theft Identity thieves steal information from: Personnel records from employers Mailboxes (or by redirecting mail with a change of address form) Personal belongings from someone s home Wallets or purses Databases
28 What is the Impact?
29 Students May be Unaware Young people are easy targets Identity theft among young people: Remains undetected, sometimes for years Is stolen at more than 50 times the rate of adults Shows no obvious warning signs Is easier to rectify than with an adult case Source: Reuters, July 11, 2011
30 It s Not Always Random Information can be stolen by: Relatives Doctor s offices Friends Schools Hospitals
31 Financial Aid Victims of Identity Theft A victim of IRS identity theft who is not able to obtain an IRS Tax Return Transcript or use the IRS Data Retrieval Tool (DRT) must contact the IRS at Upon authentication of the tax filer s identity, the IRS will provide, by U.S. Postal Service, a printout of the tax filer s IRS income tax return information which can be used to complete verification
32 How Can Students Protect Themselves?
33 The Three Ds of Identity Theft Deter identity thieves by safeguarding your information Detect suspicious activity by monitoring statements and accounts Defend against Identify theft as soon as you suspect a problem Federal Trade Commission
34 Don t Give Thieves the Red Flag Send important mail from the post office or a USPS mailbox not your home mailbox Use a locked mailbox Stop mail/newspapers when on vacation Request special delivery for check orders Opt out of pre-approved credit card offers optoutprescreen.com or
35 Hang onto Purses and Wallets Keep your purses and/or wallets in a secure location Don t keep seldom used credit cards in your wallet Don t carry your checkbook if you don t plan to use it Keep your Social Security card and/or passport in a safe place
36 Remain Cautious Don t think that See I.D. will stop criminals from using a stolen card Use caution with financial aid forms, documents, and other materials with personal information Students should consider having a locked file cabinet or safe
37 Use Online Precautions Use strong passwords and change them often howsecureismypassword.net Don t give out sensitive information SSN Date of birth Bank account information, etc.
38 Use Online Precautions Use secure websites Don t open from strangers Use a firewall Update virus software regularly
39 Use Online Precautions Use the highest level security setting Read privacy and security policies Use the least amount of personal information possible Idtheftcenter.org
40 Use Online Precautions Be wise about your online postings Connect only to those you know Watch s and links Idtheftcenter.org
41 Be on the Lookout for Suspicious Activity Unexpected credit denials Unexpected charges on monthly financial statements Unexpected credit card approvals Calls or letters from debt collectors
42 Be on the Lookout for Suspicious Activity Protect personal data Shred documents Don t share too much information on social networks Monitor bank and credit accounts Pay attention to official notices
43 Monitor Your Credit Report Get a free credit report every year annualcreditreport.com (877) Review credit card offers, then shred
44 What Can Students Do if They Suspect a Problem?
45 If They Have Been Victimized They should: Close their accounts File a detailed police report Place a fraud alert on their credit reports (800) (888) (800)
46 Identity Theft Complaints File a complaint with the Federal Trade Commission Online Phone Mail ftc.gov/idtheft or /feature-0014-identity-theft (877) ID-THEFT Identity Theft Clearinghouse Federal Trade Commissions 600 Pennsylvania Ave. NW Washington, DC 20580
47 Identity Theft Complaints Create an identity theft report Use an identity theft complaint form, which entitles students to certain protections, along with a police report Identity Theft Complaint form + Police Report = Identity Theft Report
48 Identity Theft Report Students can use an Identity Theft Report to: Permanently block fraudulent information from appearing on their credit report Ensure that debts do not reappear on their credit report Prevent a company from continuing to collect debts that result from identity theft Place a fraud alert protection on their credit report
49 Fraud Alert Protection Initial Alert Stays on a student s credit report for at least 90 days Entitles them to one free credit report from each credit reporting agency Lists only the last four digits of their SSN
50 Fraud Alert Protection Extended Alert Stays on a credit report for seven years Requires an identity theft report Entitles students to two free credit reports per year Removes their name from marketing lists for five years
51 Fraud Alert Protection Extended Alert Ensures that businesses contact them directly before issuing credit Requires proof of their identity to place and/or remove an alert from their credit report
52 Are There Ways to Be Proactive?
53 Proactive Measures Insurance Credit Freeze Credit Monitoring Self-Monitoring Fraud Alert
54 Identity Theft Insurance Coverage can be in many ways Separate policy Part of existing insurance policy Through credit card company Included in credit monitoring Think about the types of losses and coverage available after the deductible
55 Credit Monitoring Many companies from which to choose Multiple types of monitoring available Credit reports Public records Credit cards Social security Fees range from $5 - $17 per month nextadvisor.com
56 Credit Monitoring Provides updates to customers including information about credit checks and new accounts Receive immediate notification about any suspicious activity on their credit report Many offer different levels of service for varied fees
57 Fraud Alert Requires credit reporting agencies to use "reasonable policies and procedures" to verify your identity before opening an account Only need to set it with one credit agency and they will report it to the others
58 Credit Freeze Stops access to a student s credit report file Prevents fraudulent opening of new accounts in their name Credit freeze laws exists in most states Voluntary programs are available from the three major credit reporting agencies
59 Credit Freeze Consumer has more control of access to credit file PIN provided Does not affect existing accounts Does not stop misuse of existing accounts
60 Self-Monitoring Proactive safekeeping of personal information is the most effective and it s free
61 What Can You Do to Educate Your Students?
62 Ways You Can Help Your Students 1 Recommend they have a shredder 2 Reinforce the importance of providing information only on secure websites 3 Explain how to monitor their credit report 4 Caution them about what they share on social media
63 Ways You Can Help Your Students 5 Remind them to have spyware and an anti-virus program installed on their notebook or PC 6 Encourage students to avoid accepting requests to interlink their Facebook and other social media accounts with people they don't know 7 Provide them with resources
64 Helpful Resources Credit Reporting Agencies Experian.com Equifax.com Transunion.com Privacyrights.org (Privacy Rights Clearinghouse) Identitytheft.gov and Fraud.org (National Fraud Information Center)
65 Helpful Resources fcc.gov and ftc.gov idtheftcenter.org sec.gov ncvc.org ed.gov/misused epic.org
66 Thanks for Attending Contact Information: Sun Ow Senior Marketing Associate (866) Great Lakes Higher Education Corporation & Affiliates
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