identity theft
DESCRIPTION
tells you what identity theft is and how it effects you also what you can do about itTRANSCRIPT
IDENTITY THEFT 2011 Fact, Fiction and Safeguards...
Welcome to…
Presented by
Paul L. Kennedy, CITRMSCertified Identity Theft Risk Management Specialists
“Identity theft is the only crime where you are”
Guilty Until Proven Innocent
No one is Immune !!!
•You were pick- pocketed
•Your house was robbed
•Something had been taken from your locker
•You got mugged
In The Past You Knew When You Had Been Robbed
•You returned to an empty parking space
Jan 2005 - August 2010
*510,584,085 records lost
from data base breaches
You Can’t Get Back
What You Have
Already Given Away….
*Privacy Rights Clearinghouse
Reported Cases Only
- FTC
Drivers License Identity Theft
MedicalIdentity Theft
Financial Identity Theft
Identity Theft is not just Credit Cards!
ID Theft is an international crime and access to an attorney may be critical...
Social Security Identity Theft
Character / Criminal Identity Theft
Five Common Types of Identity Theft
What is Identity Theft?
Driver’s License Identity Theft
Thieves use your information to acquire a driver’s license in your name or claim to be you during a traffic stop
♦ You could receive a DWI, hit and run or other driving-related charges
♦ Your driving privileges could be suspended or revoked
♦ You could be arrested during a routine traffic stop for crimes you did not commit
What is Identity Theft?
Social Security (SSN) Identity Theft
What is Identity Theft?
♦ Illegal immigrants use you SSN to gain employment (may or may not file a return)
♦ Criminals use your SSN when arrested
♦ Thieves use your SSN to obtain a passport
♦ Thieves use your SSN to buy & sell real estate, including re-financing or obtaining a home equity loan on real estate you already own
♦ Thieves use your SSN to obtain a driver’s license, insurance coverage, file tax returns, school admission, access your financial accounts
Medical Identity Theft
Thieves use your information for insurance benefits, Rx , Medicare, Medicaid benefits, or for medical tests
What is Identity Theft?
♦ Your rates could go up or your coverage could be cancelled or maxed-out
♦ You could owe thousands of dollars for a procedure you never had
♦ You could be unable to obtain medical or life insurance, other coverage, and/or employment because of conditions that you do not have (AIDS, Diabetes etc…)
Character / Criminal Identity Theft
♦ You could be arrested
♦ You could be denied employment or fired from your current job because of fraudulent criminal records
♦ Security checkpoints at airports could become a nightmare for you
♦ You could be denied a passport and be barred from leaving the country
Thieves mask their criminal activity behind your identity
What is Identity Theft?
Financial Identity Theft
♦ They deplete your accounts
♦ They rack up outrageous charges on credit cards, take out new loans, and more
♦ They destroy your credit, forcing you to pay higher rates
♦ Legally be held responsible for the debts incurred by the thieves in your name (Regulation E)
Thieves use your information to open new accounts or to gain access to existing accounts
What is Identity Theft?
Your Name
Fingerprints and DNA
Insurance Claims
Military Record
Criminal History
Real Estate Documents
Legal History
Credit History
Birth Certificate, Adoption, Marriage & Divorce InfoPublic Records
Address, phone number
Social Security number
The Data Based You™
Driver’s License # and Record
Medical Records
Vehicle Registration ( I-Pass, On Star, etc)
The Medical Data Based You™
Insurance Carrier Name
Center For Disease Control
Blood Bank, X-ray, & lab data bases
Medical Information Bureau (MIB)
Health Department
Personnel File at work
Address
Medicare Medicaid Hospital Data Bases
Physician Data Bases HOSPITALS
&
ALL Medical Offices
Laptops, CDs Thumb & Jump Drives
Pharmacy Data Bases
The Best Answer
Life Events Legal Plan &24/7 AccessPre-Paid Legal
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A Complete Wall of Protection
THANK YOUTHANK YOU
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Paul L. Kennedy, CITRMS
Jacqueline A. Kennedy, CITRMSCertified Identity Theft Risk Management Specialist