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Protect Yourself from Synthetic ID Theft - YouTube
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TACTICS. SCAMMERS
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ARE NOW COMBINING INFORMATION
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FROM MULTIPLE INDIVIDUALS TO
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INVENT A FALSE IDENTITY, A
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TECHNIQUE CALLED "SYNTHETIC"
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IDENTITY THEFT.
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JOINING US THIS MORNING WITH
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MORE ON SYNTHETIC ID THEFT IS
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ROSEANN
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FREITAS, HAWAII MARKETPLACE
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MANAGER WITH THE BETTER BUSINESS
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BUREAU NORTHWEST AND PACIFIC.
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Q: WHAT IS INVOLVED IN SYNTHETIC
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IDENTITY THEFT?
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A:
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USE A STOLEN SOCIAL SECURITY
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NUMBER, ADDRESS OF AN ABANDONED
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PROPERTY,
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FAKE NAME & BIRTHDATE.
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THE SCAMMER APPLIES FOR A
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CREDIT CARD. INITIALLY, THEY
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WILL BE DECLINED SINCE THEY
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DON'T HAVE A
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CREDIT PROFILE, BUT THIS CREATES
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A RECORD OF A "PERSON" THAT
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DOESN'T EXIST.
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NEXT, THE SCAMMER ADDS THAT
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"PERSON" TO ONE OR MORE
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LEGITIMATE ACCOUNTS.
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OVER TIME, THE SCAMMER BUILDS
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UP A CREDIT HISTORY UNTIL THEY
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CAN QUALIFY FOR LARGE
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LINES OF CREDIT.
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ONCE THEY ARE APPROVED FOR A
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HIGH LINE OF CREDIT, THEY DO
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WHAT IS CALLED A "BUST-OUT." THE
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CON ARTIST CHARGES THEIR CREDIT
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CARDS TO THE LIMIT, PAYS
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NOTHING, DISCARDS THE IDENTITY,
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AND
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DISAPPEARS.
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Q: HOW WOULD SOMEONE FIND OUT IF
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THEIR SOCIAL SECURITY NUMBER IS
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BEING USED UNDER ANOTHER
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NAME, AND COULD IT IMPACT A
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PERSON'S CREDIT?
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A:
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IF YOUR SOCIAL SECURITY NUMBER
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HAS BEEN USED IN SYNTHETIC
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IDENTITY THEFT, IT WON'T BE EASY
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TO
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DETECT. ADVERSE CREDIT REPORTS
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WILL BE TIED TO YOUR SOCIAL
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SECURITY NUMBER, BUT NOT YOUR
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NAME, PHONE NUMBER, AND ADDRESS.
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THIS MEANS FRAUD ALERTS,
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CREDIT MONITORING, AND CREDIT
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FREEZES WON'T STOP THE SCAMMERS
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OR
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ALERT YOU TO WHAT IS HAPPENING.
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YES, IT CAN IMPACT A PERSON'S
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CREDIT. HOWEVER, UNPAID DEBTS
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LEFT BY THE SCAMMER CAN
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AFFECT YOUR ABILITY TO TAKE OUT
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LOANS OR CREDIT. ALSO, JILTED
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CREDITORS WILL EVENTUALLY TRACK
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THE
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DEBTS BACK TO THE SOCIAL
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SECURITY NUMBER AND, ULTIMATELY,
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ITS REAL OWNER.
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Q: HOW DO YOU PROTECT YOURSELF
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FROM SYNTHETIC ID THEFT
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A:
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MINIMIZE YOUR EXPOSURE. DON'T
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GIVE OUT YOUR SOCIAL SECURITY
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NUMBER IF IT ISN'T
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ABSOLUTELY NECESSARY. WHEN A
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BUSINESS, MEDICAL OFFICE, OR
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INDIVIDUAL ASKS FOR THIS
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INFORMATION, DON'T BE AFRAID TO
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ASK THEM WHY THEY NEED IT AND
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HOW THEY WILL PROTECT YOUR
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PERSONAL INFORMATION.
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PROTECT YOUR CHILD'S PERSONAL
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INFORMATION. A CHILD'S IDENTITY
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IS APPEALING TO SCAMMERS
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DUE TO THEIR CLEAN, BLANK SLATE.
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SEE THESE BBB TIPS FOR MORE
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ADVICE ON PROTECTING YOUR
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CHILD'S
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IDENTITY.
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KEEP AN EYE ON YOUR
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COMMUNICATIONS. MONITOR ANY
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MAIL, PHONE CALLS, EMAIL, OR
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OTHER
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COMMUNICATIONS YOU RECEIVE. BE
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ALERT IF SOMETHING ARRIVES OUT
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OF THE BLUE OR DOESN'T MAKE
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OR PHONE CALLS REGARDING YOU OR
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YOUR CHILD THAT SEEMS LIKE A RED
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FLAG, FOLLOW UP RIGHT AWAY.
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WHAT SHOULD A PERSON DO IF THEY
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SUSPECT THEY ARE A VICTIM OF
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IDENTITY THEFT? A:
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ARE A VICTIM OF IDENTITY THEFT?
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A:
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IF YOU WERE A VICTIM OF
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UNEMPLOYMENT FRAUD REPORT IT TO
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YOUR EMPLOYER AND STATE
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UNEMPLOYMENT OFFICE
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REPORT TO YOUR BANKS AND
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CREDIT CARD COMPANIES. RECOVERY
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STEPS INCLUDE PLACING A
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FRAUD-ALERTS ON ALL ACCOUNTS.
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REPORT TO IDENTITYTHEFT.GOV TO
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ALERT NECESSARY AGENCIES. ROSS:
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THANK YOU ROSEANN..
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KELLY..
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HTTPS:
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ROSS:
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THANKS KELLY
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COMING UP...
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KELLY'S GOT YOUR FORECAST.
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ROSS:
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AND A FAMILY IN CANADA GETS A
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