IDENTITY SMARTS + YOUR CREDIT - MARCH 13, 2021 PAIGE HANSON, CHIEF OF CYBER SAFETY EDUCATION - Omicron Tau ...
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MARCH 13, 2021 IDENTITY SMARTS + YOUR CREDIT PAIGE HANSON, CHIEF OF CYBER SAFETY EDUCATION
Credit: Why Should I Care?
Steps to Repair Identity Theft Damage
Agenda Local and National Resources
NortonLifeLock
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 2
Credit: Why Should I Care?
3
What does credit mean?
Your credit report is like a report card on how well you did on paying
everyone back. Every place that we borrow money from tells a credit
agency about how well we did on paying that money back.
BORROW PAY REPORT
Copyright © 2021 NortonLifeLock Inc. All rights reserved.
What’s the difference?
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 5
How scores are determined
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 6
Credit Reporting Agencies
Order Your Annual Credit Report
www.annualcreditreport.com
• Equifax
• Experian
• TransUnion
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 7
Credit Protection Options
Fraud Alert Credit Freeze Credit Lock
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 8
Place a Fraud Alert
Purpose: Verify your identity before extending new credit.
Temporary Fraud Alert Cost Pros
Duration: 1 year Free • Keep access to your credit.
• Credit bureaus cannot continue
Extended Fraud Alert Contact to sell your information to third
Duration: 7 years One credit bureau parties.
• Requires copy of identity • By law they will share
Cons
theft report. your request with the
other two. • Lender doesn’t have to call you.
Active Duty Alert • KBA questions are generally
easy to find on social media or
Duration: 1 year
dark web.
https://www.consumer.ftc.gov/articles/0275-place-fraud-alert#How
Copyright © 2021 NortonLifeLock Inc. All rights reserved.
Place a Security Freeze / Credit Freeze
Purpose: Restricts access to your credit file.
Cost Add Lift Remove Pros
Victim of ID Theft Free Free Free • Place freeze online or by phone.
• Requires PIN.
Not a victim of ID Theft Free Free Free
• Credit bureaus cannot continue to
Protected Consumer (under 16) Free N/A Free sell your information to third parties.
• Best for people who aren’t planning
to take out new credit.
Contact Duration
All three credit bureaus. Lasts until you remove. Cons
• You’ll get a PIN to use each time you
freeze or unfreeze, which may take
one to three business days.
https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Credit Lock
Purpose: Restricts access to your credit file.
Cost* Pros
Each credit bureau determines pricing and can change • Unlock by computer or mobile app.
anytime. • No PIN required.
• TransUnion: TrueIdentity | Free • Usually no wait to lock or unlock credit file.
• Equifax: Lock & Alert | Free • Best for people who plan to take out new credit.
• Experian: CreditLock | Free (7 days) $24.99/mo (after)
Cons
Contact Duration
• Credit bureaus can continue to sell your
All three credit bureaus. Lasts until you remove. information to third parties.
• Cannot unlock by phone.
• Depending on monthly fees, they can quickly
*Fees as of 3/12/21
exceed the cost of freezes.
https://www.consumer.ftc.gov/blog/2017/12/fraud-alert-freeze-or-lock-after-equifax-faqs
TransUnion: https://www.transunion.com/product/trueidentity-free-identity-protection
Equifax: https://www.equifax.com/personal/products/credit/credit-lock-alert/
Experian: https://www.experian.com/consumer-products/creditlock.html
:
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Steps to Repair Identity Theft Damage
Report Your Identity Theft or Fraud
Report to the Federal Trade
Commission (FTC)
• Print and save
• www.identitytheft.gov
Contact the Police
• File a police report
• Bring completed FTC
complaint form
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 13Connect with your Creditors
Debit Card:
• 0-2 days = up to $50
• 3-60 days = up to $500
• 61+ days = No reimbursement
Credit Card:
• 60 days = up to $50 The Fair Credit Billing Act (FCBA) and
the Electronic Fund Transfer Act (EFTA)
offer protection if your credit, ATM, or
debit cards are lost or stolen.
Use credit vs. debit
Set up account threshold notifications
1-Dillworth, K. 2015. Your rights under the Fair Credit Billing Act. CreditCards.Com.
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 14Phone and Utilities “Credit Report”
National Consumer
Telecommunications and Utilities
Exchange (NCTUE)
http://www.nctue.com
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 15Tips
USPS Informed Delivery Service
https://informeddelivery.usps.com
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Set up Account with SSA
https://www.ssa.gov/myaccount
Copyright © 2021 NortonLifeLock Inc. All rights reserved.E-Verify Self Lock
https://www.e-verify.gov/mye-verify
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Enable 2FA/MFA
• Extra step to login
• Available on most online accounts.
• https://twofactorauth.org
Prioritized accounts:
1. Email
2. Social Media
3. Bank/Credit Cards
4. Health
Security Tip:
Verbal Passwords
Text screenshots used with permission by Paige Hanson 2/2/2021
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Use a Password Manager
The only password you have to remember
is the one for the password manager.
Password manager examples*
• 1Password
• Dashlane
• KeyPass
• LastPass
• Norton Password Manager
*The inclusion of websites or links does not imply endorsement or support of any companies, materials, products, and/or
providers listed herein, and is not an inclusive list. Alphabetical list.
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Say “NO” to Junk Mail
Direct Marketing Association
• www.dmachoice.org
• $2 processing fee, for a period of ten years
Unsolicited Credit and Insurance Offers
• 888-5-OPTOUT (888-567-8688)
• www.optoutprescreen.com
• No fee
Commercial Email Lists
• https://www.ims-dm.com/cgi/offemaillist.php
• No fee
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 22Ugh, Telemarketers
National Do Not Call Registry
• 888-382-1222
• www.donotcall.gov
Note: The law allows political calls, calls from
charitable organizations, information calls,
calls about debts you owe, and phone surveys,
as well as calls from companies you have
done business with or gave permission to call.
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 23Resources
National Resources
Fraud Support Network
• https://fraudsupport.org
Federal Trade Commission (FTC)
• www.identitytheft.gov
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 25National Resources
Identity Theft Resource Center (ITRC)
• 800-400-5530
• www.idtheftcenter.org
Free Brochures, Handouts and PDFs
• https://bulkorder.ftc.gov
Hundreds of publications!
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 26Have “The Talk” With Your Kids
An interactive, online tool that enables
parent-child duos to set ground rules
together about digital devices and usage.
www.TheSmartTalk.org
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 27NortonLifeLock Offer
• NortonLifeLock.com
(or LifeLock.com)
• Offer: 15% off
• Promocode:
LONGDRIVE
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Credit: Why Should I Care?
Steps to Repair Identity Theft Damage
Recap Local and National Resources
NortonLifeLock
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 29Questions?
THANK YOU!
Appendix
32Surveys, Surveys, Surveys!
Stop Giving Away Details About
Yourself
• What was your first job?
• What was your first car?
• What is your favorite food?
krebsonsecurity.com/2018/04/dont-give-away-historic-details-about-yourself/
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 33Check Your Data Breach Status
Check if your email has been part of a
recent data breach.
Have I Been Pwned?
https://haveibeenpwned.com
Firefox Monitor
https://monitor.firefox.com
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Beat Spam: Use Disposable Email
If you need to put in an email address to
get a coupon, shop one time on website,
etc., consider using a temporary email
address.
10 Minute Mail
https://10minutemail.com
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Opt Out: Collection of Your Online Activities
Ads you receive on Web pages are
customized based on predictions
about your interests generated from
the visits of different Web sites
Learn how to opt of out these
collection of Web viewing data for
interest based advertising by visiting
the website below
http://www.aboutads.info/choices
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Teaching Resources
StaySafeOnline.org
Powered by National Cyber
Security Alliance
Several resources to help
you stay safe and teach
online safety.
www.staysafeonline.org
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Medical IDT: Request your MIB Consumer File
Review your Personal Health
Information (PHI)
In the event you have a MIB file, it is
important to review that the listed
medical services belong to you.
http://www.mib.com/request_your_record.html
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Learn About Bitcoin
Bitcoin is a digital currency used
around the world. This website
provides tutorials on the
innovative payment network.
https://bitcoin.org
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Report Phone Scams
Report IRS Imposter Scams
• https://www.treasury.gov/tigta/contact_report_scam.shtml
• 800-366-4484
Report Unwanted Calls
• Federal Trade Commission (FTC)
• https://complaints.donotcall.gov
Report Unsolicited Telemarketing Calls
• Federal Communications Commission (FCC)
• https://consumercomplaints.fcc.gov
Copyright © 2021 NortonLifeLock Inc. All rights reserved.Report Scams
Report Internet Crimes
• FBI Internet Crime Complaint Center (IC3)
• https://www.ic3.gov
Report International Scams
• www.Econsumer.gov
(Repeat) Report to the Federal Trade Commission (FTC)
• www.identitytheft.gov
Copyright © 2021 NortonLifeLock Inc. All rights reserved. 41You can also read
