Identity Theft & Fraud
For Internet Security /
Protecting Against Cyber Crime -- pdf
From the Desk of Desk of William F. Pelgrin, Chair
Cybercrime is any violation of federal, state, or local statute, or malicious or suspicious activity, in which a computer, network or device is an integral component of the violation. Examples can include: a malicious cyber-criminal breaking into a computer to steal information (computer intrusion) or to change a website (website defacement); malware being placed on a computer without the owner’s permission; and that malware using that computer’s resources to send spam.
Never use simple or easy-to-guess passwords like “123456” or “p@$$word” or “football.” Cybercriminals use automated programs that will try every word in the dictionary in a few minutes. When creating a password, use at least 10 characters, with a combination of uppercase and lowercase letters, numbers, and symbols.
Be Cautious About Links and Attachments
Be cautious about all communications you receive including those purported to be from friends and family, and be careful when clicking on links in those messages. When in doubt, delete it.
Be aware of financial and sensitive information you give out. Cybercriminals will look at your social networking webpage to find information about you--remember, many of the answers to website and bank security questions can be found online, like the color of your car (remember posting that picture of you standing in front of your car?) and your mother’s maiden name. Use privacy settings to limit who can see the details of your social network pages, and be smart about what you decide to share online.
Review Your Financial Statements Regularly
Cybercriminals find loopholes and your accounts may get hacked through no fault of your own, so review your financial statements regularly. Contact your financial institution immediately if you see any suspicious looking activity.
What to Do If You Are a Victim?
If you’ve been a victim of identity theft, notify your bank, and any other entities with which you have accounts, to inform them that someone may be using your account fraudulently. Contact all three major credit bureaus to request a credit report, and have a fraud alert and a credit freeze placed on your account.
Internet-related crime, like any other crime, should be reported to appropriate authorities at the local, state, or federal levels, depending on the scope of the crime.
The following resources can help with reporting cyber-crime:
Your local police department
Your State Attorney General’s Office - www.naag.org/
The information provided in the Monthly Security Tips Newsletters is intended to increase the security awareness of an organization’s end users and to help them behave in a more secure manner within their work environment. While some of the tips may relate to maintaining a home computer, the increased awareness is intended to help improve the organization’s overall cyber security posture. This is especially critical if employees access their work network from their home computer. Organizations have permission and are encouraged to brand and redistribute this newsletter in whole for educational, non-commercial purposes
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Privacy & Identity
"Your personal information is a valuable commodity. It’s not only the key to your financial identity, but also to your online identity. Knowing how to protect your information — and your identity — is a must in the 21st century. Here are some tips to doing it effectively."
U.S. Department of Homeland Security
The Financial Fraud Enforcement Task Force maintains a wide list of resources and information dedicated to helping find and report suspected cases of financial fraud.
Ask the Consumer Financial Protection Bureau about:
Money transfers remittances overseas remittance transfers international wire money send money abroad ACH Automated Clearing House (ACH) Automated Clearing House network credit union electronic payments Mortgages housing counseling lender reverse mortgage housing counselor GFE Good Faith Estimate servicer closing settlement broker insurance foreclosure
Other categories: Student loans Auto loans Bank accounts and services Credit reports and scores Prepaid cards Credit cards Debt collection Payday loans Money basics
Especially for Service members Students Older Americans Parents
The Anti-Phishing Working Group (APWG) and
National Cyber Security
WASHINGTON - The Internal Revenue Service today issued its annual “Dirty Dozen” list of tax scams, reminding taxpayers to use caution during tax season to protect themselves against a wide range of schemes ranging from identity theft to return preparer fraud.
The Dirty Dozen listing, compiled by the IRS each year, lists a variety of common scams taxpayers can encounter at any point during the year. But many of these schemes peak during filing season as people prepare their tax returns. IR-2014-16, Feb. 19, 2014
The Internal Revenue Service has issued several recent consumer warnings on the fraudulent use of the IRS name or logo by scamsters trying to gain access to consumers’ financial information in order to steal their identity and assets.
When identity theft takes place over the Internet, it is called phishing
Phishing / Vishing /
If you are not sure (exactly) what they mean, click on the link below to find our more.
Opens in a PDF from the Wisconsin Dept of Consumer Protection.
Click here to view the PDF about Phishing / Vishing / Smishing