Consumers have a new law in New York to thank for providing additional protection from identity theft and data breaches. The law, which was passed by the state legislature in June in response to the rash of record-breaking data breaches and updated regulations, spells out how companies must respond when a breach event occurs.

The new law in New York even applies to businesses outside of the state. If the victims of the breach are New Yorkers, the company must comply with the steps outlined in the law no matter where they are located. This can have a domino effect of sorts since disclosing the breach to those residents can help make consumers in other states aware that a breach has occurred, even if they are not going to be receiving notification letters due to their locations.

Moreover, the SHIELD Act in New York will cover biometric data, not just personal identifiable information like Social Security numbers or usernames and passwords. If a company gathers and stores things like fingerprints or blood type, that information is now considered worthy of triggering a data breach notification. In the past, different states have had different rules on what requires a notification letter, and until now, biometric data was not included in New York.

Further, the SHIELD Act will require companies to inform victims as quickly as possible that their information was compromised. If there are more than 500 victims from New York the company is also required to inform the state’s Attorney General’s office. It also outlines which types of information require a notification letter, such as email addresses and passwords, birthdates and SSNs.

The SHIELD Act signed last week by Governor Cuomo, goes into effect in March 2020. It is based on a lot of consumer protection concepts that were put into place in Europe under the GDPR regulations that were enacted last year. The new law in New York was also inspired in part by the Equifax data breach from a year ago, an event in which 147 million consumers had their complete identities stolen by hackers.

For its part, Equifax has now launched its claims website for consumers to find out instantly if their information has been compromised. If it has, the steps for filing a claim and seeking compensation are included on the site. The claims site can be found at EquifaxBreachSettlement.com.

Contact the Identity Theft Resource Center for toll-free, no-cost assistance at 888.400.5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.


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How to File an Equifax Claim for Data Breach Settlement

How To: Place a Free Credit Freeze

New Tool Breach Clarity Helps Consumers Make Sense of Data Breaches

 

On Wednesday, July 24, 2019, people could begin filing Equifax claims for the recent data breach settlement, which included filing an Equifax breach settlement claim for a minor. In 2017, Equifax, one of the three largest credit reporting agencies in the world, announced they suffered a data breach. More than 148 million consumers’ identities had been stolen. A settlement was reached in the class-action lawsuit filed with a federal court. As a result, Equifax launched its claims process to help anyone who may have been a victim, including minors.

If you were a minor affected by the Equifax breach settlement but are now over 18-years-old, you must file your own claim and can do it online.

If the minor is still under 18-years old, a parent or legal guardian can make a claim for Credit Monitoring Services on the child’s behalf. However, it must be filed manually and sent out via direct mail. If you file an Equifax breach settlement claim for a minor, you must provide documentation to prove you are the parent or legal guardian of that minor.

Credit Monitoring Services will allow parents to receive alerts when certain personal data appears on suspicious websites, alerts when the Social Security number is associated with new names or addresses or the creation of a consumer report at one or more of the three nationwide Consumer Reporting Agencies. Finally, the minor will receive Identity Restoration Services if their identity is compromised.

The parent or legal guardian can elect to enroll the minor in one-bureau credit monitoring services provided by Equifax that would begin after the Credit Monitoring Services expire for a period of up to 14 years. According to the Equifax breach settlement page, a minor can receive monitoring services as follows: alerts when data elements like Social Security number submitted for monitoring appear on suspicious websites, including underground websites, a file is created, locked, and then monitored and for minors with an Equifax credit file, their credit file is locked and then monitored. The Experian Credit Monitoring Services and the optional one-bureau credit monitoring provided by Equifax together will cover 18 years.

The parent or legal guardian filing an Equifax breach settlement claim for a minor must opt for the minor to receive the one-bureau services when submitting a claim for the Credit Monitoring Services, and the parent or legal guardian will be sent instructions for how to enroll in the one-bureau monitoring before the Credit Monitoring Services expire. The cost of these services will be paid separately by Equifax, not out of the Consumer Restitution Fund.

Before finding out what support your minor may be eligible for while filing an Equifax breach settlement claim for a minor, it is important to know whether or not their information was affected. The website for consumers concerned about the Equifax data breach settlement has a button that will provide that information for you.

Enter your minor’s last name and the last six digits of their Social Security number, and the site will tell you whether or not their data was compromised.

If you discover that your minor’s personal identifiable information (PII) was compromised, your next step is to choose whether or not to participate in the class action suit. Your minor may be eligible for credit monitoring, identity restoration if their information was fraudulently used and a partial refund if they had already been an Equifax credit monitoring customer.

If you decide to file an Equifax breach settlement claim for a minor, you must do so by January 22, 2020. If you wish to state that your minor is not participating, the deadline is November 19, 2019.

The Identity Theft Resource Center recommends you consider all of your minor’s personal circumstances and how the breach and any subsequent identity crime issues impacted your minor before submitting a claim. While the process of recovering after an identity theft incident is costly in time, personal impacts and financial ramifications, filing without thinking through all the possibilities or having all the supporting documentation could short-change your minor’s identity hygiene in the long-run. Potential issues that may arise could include the inability to get financial aid for college, approval for a first apartment or being able to get a loan for a first car.

After determining what kind of Equifax breach claim you need to file for your minor, you can either claim free credit monitoring for up to ten years or a cash payment of $125 if you already have credit monitoring that includes the minor’s social security number – such as a family credit monitoring service.

While filing an Equifax breach settlement claim for a minor, it is important to organize your minor’s case with dated notes, receipts and a summary. The free ID Theft Help App provides an electronic case log feature to track the details of the case.

Depending on the state you live in, credit freezes were not free to all American consumers prior to September 2018. If you decided to pay to freeze your minor’s credit prior to 2018, you could be reimbursed those expenses. NOTE: if you want to submit a credit freeze for a minor now, it must also be done manually. It cannot be done online.

Due to the breach occurring in May 2017, your minor could be reimbursed for costs, expenses or losses due to identity theft even though the breach was announced in September 2017.

Your minor is eligible for identity theft restoration services for the next seven years, regardless of if you decide you do not want them to take part in the class-action suit.

Whether or not your minor takes part in the suit, it is a good idea to place a freeze on their credit report. Remember, you can only do this manually with a minor. You cannot place a freeze online.

All of the documents, dates, claims process and FAQs can be found on the website that has been built to support Equifax claim. If you are not sure if your minor’s information has been affected, visit EquifaxBreachSettlement.Com.

If you are a victim of identity theft in need of assistance, you can receive free remediation services from ITRC. Call one of our expert advisors toll-free at 888.400.5530 or LiveChat with us. For on-the-go assistance, check out the free ID Theft Help App from ITRC.


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Don’t Fall for Equifax Settlement Scams 

Capital One Data Breach – What To Do If You’re Impacted 

New Tool Helps Consumers Make Sense of Data Breaches

 

 

With the recent Equifax data breach settlement, as well as the large Capital One breach, many people are asking questions about credit monitoring services. Should I use them? What are its benefits?

The conversation really gained steam when Equifax began offering free credit monitoring services to people impacted by their breach. Credit monitoring services are simply a mechanism for the Credit Reporting Agencies (CRAs) to track a consumer’s credit file in order to detect any suspicious activity or changes. In regards to whether or not you should take advantage –that really depends on your specific situation.

Should I enroll in credit monitoring services?

If you are already receiving credit monitoring services, maybe as a benefit through your employer, financial institution or insurance carrier for example, then passing on the monitoring aspect might make more sense. However, if you do not have access to robust credit monitoring services and have the ability to enroll in free credit monitoring services offered as part of a breach – such as Equifax, it may be a good option.

Should I place a credit freeze as well?

Ultimately, the Identity Theft Resource Center recommends consumers take advance of both credit monitoring services and credit freezes if they fall victim to a data breach. Along with your credit history being tracked, a credit freeze can stop any new accounts from being activated. Credit freezes do not impact existing credit accounts which report your payment history and account health to the CRAs. It only limits access to your credit reports to create new lines of credit.

It is important to remember that should you need to lift a credit freeze for any reason, like in order to apply for a new account like a home mortgage for example, the credit monitoring will catch any other accounts that someone with malicious intent might try to open. However, it is ultimately up to the consumer to decide what is best based in their set of circumstances.

What are the benefits of both?

Credit monitoring services and credit freezes provide their own benefits to keep consumers as safe as possible. The ultimate goal of credit monitoring services is to keep your accounts protected in a possible time of vulnerability. Monitoring can also catch suspicious activity on your existing accounts that may have been compromised due to a breach.

What if I need more help?

At the end of the day, do what is best for you. You can contact the ITRC for free assistance at 888.400.5530 with any questions you might have about your particular situation.

Contact the Identity Theft Resource Center for toll-free, no-cost assistance at 888.400.5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.


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How to File an Equifax Claim for Data Breach Settlement

How To: Place a Free Credit Freeze

New Tool Breach Clarity Helps Consumers Make Sense of Data Breaches

 

People can now begin to file an Equifax claim for the recent data breach settlement. In 2017, Equifax, one of the three largest credit reporting agencies in the world, announced that it had suffered a data breach. More than 148 million consumers’ identities had been stolen. This month, a settlement was reached in the class-action lawsuit was filed with a federal court, and as a result, Equifax has now launched its claims process to help anyone who may have been a victim.

Before finding out what support you may be eligible for, it is important to know whether or not your information was affected in this breach. The website for consumers concerned about the Equifax data breach settlement has a very handy button that will provide that info for you. All you need to do is enter your last name and the last six digits of your Social Security number, and the site will immediately tell you whether or not your data was compromised.

If you discover that your personal identifiable information (PII) was compromised in the Equifax breach, your next step—should you choose to participate in the class action suit—is to continue filing on the screen. You may be eligible for credit monitoring, identity restoration if your information was fraudulently used and a partial refund if you had already been an Equifax credit monitoring customer.

There are some important things to remember about filing:

Decide what action to take

If you are going to file an Equifax claim, you must do so by January 22, 2020. However, if you wish to state that you are not participating, the deadline to do so is November 19, 2019. If you choose to simply do nothing, which is also an option, the November deadline is only for intentionally opting-out or filing an objection to the suit.

Because this claim process has just launched, the ITRC recommends that you consider all of your personal circumstances and how the breach and any subsequent identity crime issues impacted you before you jump into submitting your claim. While the process of recovering after an identity theft incident is costly in time, personal impacts and financial ramifications, filing without thinking through all of the possibilities or having all the supporting documentation could short-change your identity hygiene in the long-run.

Determine what kind of claim you need to file

The deadline for filing an Equifax claim—again, next January—includes filing for reimbursement of out-of-pocket expenses related to this breach, filing for a refund of Equifax products you would already purchase and filing a claim for credit monitoring. If you already have credit monitoring, you can also file for one-time compensation to put towards your existing service.

Section 1 Credit Monitoring: Free Service or Cash Payment

Submitting a claim can be “overwhelming,” so take it slow. At the very least, you should claim the free credit monitoring for up to 10 years.

Option 1

Option 2 If you already have credit monitoring, then you can claim a cash payment of $125.

Section 2 Cash Payment: Time Spent

Proving the out of pocket expenses could be difficult for victims filing an Equifax claim; “Pointing to a particular compromise and saying that it is the one that caused an issue is extremely difficult,” says Eva Velasquez, president, and CEO of the Identity Theft Resource Center.

In order to become a strong advocate for your case to repair your identity, it is vital to organize your case this includes dated notes, receipts, and summary. The free ID Theft Help App provides an electronic case log feature to track the details of your case.

For example, if you spent time speaking with an Identity Theft Resource Center advisor who helped you remediate your case, you could log that time.

Important Documents

Section 3 Cash Payment: Money You Lost or Spent

Depending on the state you live in, credit freezes were not free to all American consumers prior to September 2018. If at the time the Equifax breach was announced and you decided to pay to freeze your credit, you could be reimbursed those expenses. For example, some consumers paid $10 per bureau to freeze their credit ($30 altogether) as well as having to unfreeze your credit every time you tried to apply for a new account.

Due to the breach actually occurring in May 2017, you could be reimbursed for costs, expenses or losses due to identity theft even before it was announced on September 2017.

Even if you choose not to take part in this class-action suit and your information was compromised in this breach, you are still eligible for the next seven years for identity restoration services. Just because your information has not been used yet, that does not mean it will not happen down the road. After some time, if your identity is fraudulently used, you can still access Equifax’s offer up until January 2024.

Considering placing a freeze on your credit

Whether or not you participate in this suit, it is a good idea to place a freeze on your credit report regardless of whether your information has been compromised (in this or even other data breaches). It is now free to freeze and unfreeze your credit report, but do keep in mind that it can take a little time.

All of the documents, dates, claims process and FAQs can be found on the website that has been built to support Equifax claims. If you are not sure if your information has been affected or if you know it has and need further support, visit EquifaxBreachSettlement.com.

If you are a victim of identity theft in need of assistance, you can receive free remediation services from ITRC. Call one of our expert advisors toll-free at 888.400.5530 or LiveChat with us. For on-the-go assistance, check out the free ID Theft Help App from ITRC.


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Facebook Privacy Settlement Shows New Industry Trend

New Tool Helps Consumers Make Sense of Data Breaches

What Does the Equifax Settlement Mean for its Data Breach Victims?

 

By Eva Velasquez, CEO & President of Identity Theft Resource Center

The Federal Trade Commission (FTC) and Facebook, Inc. have reached a settlement regarding misuse of user data and privacy standards. The Facebook privacy settlement includes $5 billion in fines, the largest penalty in history for this type of offense and almost 20 times more than the previous record holder. This announcement comes just two days after the Equifax settlement was announced, another record-breaking fine of $700 million for a data breach.

The 20-year settlement requires Facebook not only to pay, but also to update their privacy policy and standards for all entities. This decision from the FTC continues to move the needle in the right direction for the industry. It says to businesses that consumer privacy matters and companies are expected to protect data from cybercriminals and would-be data thieves that seem to be acting as legitimate businesses. Failure to protect consumer data and privacy will have powerful consequences.

The Facebook privacy settlement comes a little over a year after the Cambridge Analytica security incident shone a light on the company’s policies. Typically settlements for consumer privacy issues are long processes and a two-year settlement is unusual. It is Identity Theft Resource Center’s opinion that the public can expect many more settlements to be reached over the next 18 months to two years given the current precedent that is being set with this week’s cases. Companies may be more likely to settle now before January 2021 after these two incidents of similar gravity have been finalized, especially given that they will not know what to expect under the potential for a new regulatory climate.

As evidenced by the two dissenting opinions, some professionals still feel that this is not enough to actually discourage the lack of seriousness toward protecting consumers’ privacy. The $5 billion Facebook will pay of the settlement is only about 9% of their total 2018 revenue. While the dollar amount is considered large, the percentage could be seen as merely a slap on the wrist for a company like Facebook. Fines and penalties should not be viewed as a cost of doing business and need to be severe enough to elicit effective organizational changes around privacy and security.

We should also focus on the additional mandatory privacy standard requirements of the settlement. The large monetary penalty gets most of the attention, but the evolution of privacy standards is just as, if not more, important. The framework includes creating a privacy committee, shifting the complete consumer privacy control away from CEO Mark Zuckerberg, holding individuals accountable with compliance officers, evaluating policy by third-party independent assessors and reporting incidents of misuse of data for 500 users or more. More segregation of consumer privacy decisions, systems of checks and balances and reports of misuse are important. We should not lose sight of this part of the settlement and continue to petition businesses to uphold rigorous privacy standards and protect consumer data.

We believe this is the tip of the iceberg and we will continue to see more of these types of post-breach settlement activities over the coming months. We truly hope that as industry and regulatory bodies sit down at the table, they keep the consumer/victim in mind. At the end of the day, it’s the individual that will bear the brunt of poor privacy and security policies by businesses

If you are a victim of identity theft in need of assistance, you can receive free remediation services from ITRC. Call one of our expert advisors toll-free at 888.400.5530 or LiveChat with us. For on-the-go assistance, check out the free ID Theft Help App from ITRC.


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You might just be asking what exactly even is deepfake? Well, deepfake is the technique of superimposing existing images and videos using machine learning. You could be hearing about it more recently since the actual term was coined in 2017 but deepfake has been commonly used by the film industry for many years.

The 1994 Academy Award-winning film Forrest Gump relied on expert video editing to insert actor Tom Hanks into actual footage reels of famous historical events. From meeting different U.S. presidents to standing next to Martin Luther King, Jr. during a well-known speech, the fabrication was both entertaining and poignant.

However, was it scary? Perhaps. Could we ever again trust what we saw with our own eyes?

A new potential threat called “deepfakes” might answer that question. The concept of a deepfake, a combination of the words “deep learning” and “fake,” is a real person’s face and voice, but they have been altered to speak someone else’s words in a recorded video. That video could then be widely shared, and unsuspecting viewers might not know the difference.

Some of the most widely viewed deepfakes involved celebrities who appeared to be starring in adult videos, except they had never actually filmed in those situations. The infamous deepfake video of former President Barack Obama portrays him using profanity while appearing to look directly into a camera for an interview, something he never recorded.

While those celebrity sex tapes and the Obama video got a lot of attention, the bigger concern is what happens when it is not a famous person and not obvious the video is fake? What happens when it is an executive within your company sending a video message over a messaging platform, telling you to change account numbers or passwords? What if it was your grandchild claiming to be kidnapped and needing ransom money right away? What if it was your face and voice, agreeing to have your account numbers changed or authorizing someone else to use your account?

When identity theft first began to be recognized as increasingly widespread crime, victims discovered that law enforcement agencies’ hands were tied. There were no laws enacted to protect victims. As laws changed around the country to respond to ID theft, more consumer protections were put in place.

Deepfake can be a crime depending on how it is used. Making an altered image of someone engaged in an embarrassing situation is becoming a crime in certain places under “revenge porn” laws. If the deepfake is used for things that are already a crime, such as stealing money from the victim’s bank account or workplace, then it could be covered under existing theft laws. If someone merely posts a video of your image and voice saying things you do not agree with, it might not fall under existing identity theft laws.

Fortunately, the chances that video editors with this kind of skillset will target individual citizens just for entertainment is small. What you have to be concerned with is its believability. As the old adage says, you cannot believe everything you read on the internet. Now that goes for what you see and hear as well. Make sure you are using caution and discernment before sharing content or making significant decisions based on video evidence because it could be a deepfake.

Contact the Identity Theft Resource Center for toll-free, no-cost assistance at 888.400.5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.


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The Federal Trade Commission has been tackling the plague of robocalls for a long time and has had victories against this menace in the past. Now, a new report demonstrates that their initiative has had even more successful results. The program has been taking aim at robocallers and reminding them that their actions are illegal, especially if they are calling consumers who have placed their numbers on the national Do Not Call registry.

Operation Call It Quits

Operation Call It Quits has already resulted in action against 94 separate robocallers, many of whom were fronting for other businesses and contacting people on the Do Not Call registry. These groups were responsible for more than one billion robocalls in the U.S., ranging from credit card offers to utility companies. The FTC has initiated 145 cases against these callers.

“We are all fed up with the tens of billions of illegal robocalls we get every year,” said Andrew Smith, Director of the FTC’s Bureau of Consumer Protection, in a press release on the program. “Today’s joint effort shows that combatting this scourge remains a top priority for law enforcement agencies around the nation.”

While robocalls are certainly annoying, with some households receiving multiple calls per day at inopportune hours, a lot of people do not realize the danger that some of these calls present. Scams and bogus offers have been associated with robocalls, especially ones that pose as credit card, medical health coverage and utility offers.

Tracking down and stopping the robocallers is only one part of Operation Call It Quits. The initiative also gives these tips on how to respond to unknown or unwanted phone calls:

Do not answer the phone

If you do not recognize the number on your caller ID, ignore the call. If it is a genuine or important caller, they will leave a voice mail. You can also return the call later, which will result in a “number not valid” message.

Do not trust the caller ID

With spoofing software, a caller can put any phone number and name on your phone’s screen. They could lure you into thinking the call is from your child’s school, your neighbor up the street, the IRS or the local police. Never go by what is on the screen when making a determination about a call.

Take advantage of call blocking

If your phone carrier offers call blocking, consider signing up for it. You might also install a call blocking app on your phone, but be sure to read the reviews on the app first. You might find that the free version of the app is just as good as the paid version.

Report any robocallers to the FTC

Operation Call It Quit’s success depends on going after the robocallers, but the FTC has a hard time doing that if consumers are not informing them of the problems. Report any robocalls to the FTC at donotcall.gov.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

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With so many digital ways to attack someone’s personally identifiable information, it might seem strange that “old-fashioned” methods of mail fraud are still prevalent. A new report of mail scams in southwest Florida shows how easy it can be to attack an unsuspecting victim and steal their identity.

Change of Address Tactic

Using the change of address cards from area post offices, scammers target individuals by filling out the cards and redirecting their mail to a new address. After receiving the victim’s mail, the scammer can access sensitive documents that arrive by post and take advantage of credit card offers.

Security experts used to tell the public to be on the lookout for any strange activity whether it was collections phone calls, hits to their credit score or notifications from financial institutions. Perhaps the most telling sign of all was simply that their mail would stop arriving. If your regular mail does not appear for three or more days, someone may have changed your address without your knowledge.

According to the recent report, scammers have begun targeting two-person households for mail fraud. By changing only one spouse’s address, the victims are less likely to notice anything unusual. Meanwhile, the scammers are receiving the mail that should go to the other party.

Once a criminal controls the mail delivery, they can request new credit cards, sign up for utilities in your name and use the utility bills with your name and address to enroll kids in school or sign up for government benefits for example.

Other Signs

In order to prevent mail fraud, it is important to be on the lookout for suspicious changes to your mail delivery or any other signs of fraud. Do not assume a debt collector just has the wrong person, determine why they think you are the right person instead. Report any suspicious matter to your financial institutions and confirm the information they have on file is correct.

Preventative Steps

You can also take preventive steps with your credit card companies by signing up for eBills instead of paper and blocking mailed credit card offers, just make sure you. If there are any odd communications from your utility company, that could be another sign of mail fraud.

Social Media 

Social media is the other aspect of this recent wave of mail fraud, which has saved a few more victims. Once residents began posting online about being victimized, other people began to look into their own mail. Some victims only learned someone had stolen their mail after reading about it online.

Do not ignore the little red flags. Check up on them to be sure no one has used your address.


Contact the Identity Theft Resource Center for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

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In 2018, more than one million children were victims of identity theft. Keep in mind these are only reported cases meaning there are most likely far more victims than we know. As a parent, it’s important to think about how can we help protect our children from identity theft and the years of repercussions that typically stem from it. The truth is, no person or product can completely prevent identity theft of children or adults. While this might seem like a daunting realization, there are preventative measures and safety tactics to help minimize your child’s risk. Keep reading to learn more.

Why Target Children?

Unfortunately, children have always been viable targets for identity theft. The fact that kids do not take out lines of credit until later in life and are not actively monitoring their credit means criminals can use their untapped Social Security number to obtain credit and abuse it for years, unnoticed. Child identity theft can be committed in a variety of ways. In some cases, the child’s own parent or legal guardian, who has easy access to their PII, might use it to help ends meet and with the right intentions. Whereas in other cases, it is used with malicious intent. Another common way that a child’s PII is compromised is through data breaches, phishing scams and other methods. Criminals will specifically target databases where they know children’s PII is housed like pediatrician offices, daycare centers and summer camps.

Preventative Tips

Only Supply Necessary Information

Often child programs or service providers ask parents for a long list of information regarding their child. Before filling this out, stop and ask three questions: Why is this information needed? How will you protect my child’s data? What happens if I do not provide it?

Often times, summer camps and daycare centers do not need sensitive information about your child, like their Social Security number. Chances are small business like these might not also have the proper cybersecurity in place to store your child’s information safely. Always think twice about providing sensitive information to any business, including those who seem reputable like your pediatrician’s office.

Place a Credit Freeze

To help stop criminals from taking out a line of credit in your child’s name, parents can freeze their child’s credit with the three main credit reporting agencies (CRAs). Placing a freeze helps prevent credit, loans and services from being approved in your name (or your child’s name) without your consent. Helping protect the financial aspect of a child’s identity is only one factor, but can be greatly beneficial. Experian also offers a one-time free child ID scan to help determine where your child’s identity could be used fraudulently.

Avoid Creating Vulnerabilities

Sometimes, even with the best intentions, parents can create vulnerabilities for their children’s identity. This can happen by trusting the wrong person with PII, supplying information to breached businesses or leaving documents unprotected.

One vulnerability specifically comes to mind, a child ID kit. A child ID kit is recommended by law enforcement and child advocate agencies in case of the unfortunate event of a missing child. It contains things like an updated photograph and fingerprints of your child to provide to law enforcement in an emergency. Criminals have taken advantage of parents’ natural instinct to protect their children and offer child ID kit packages that expose children’s information. It is important to note that everything in a child ID kit is completely doable by a parent and does not cost anything to complete or provide to law enforcement, a third party is not needed whatsoever. If you do create an ID kit for your children, make sure to store it in a secure, safe location and do not trust others with the information.

Of course, the Identity Theft Resource Center is here to help. Speak to an identity theft advisor for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.

Experian proudly provides financial support to the Identity Theft Resource Center.


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For years, crimes like identity theft, scams and fraud have targeted residents in different states all across the country. Sometimes the crimes are simply based on opportunity, such as a large-scale data breach of a major company; in that case, the locations of the victims can seem to be somewhat random. Other crimes, however, have targeted residents of specific states, and the reasons for this kind of highly-specific targeting can vary.

Florida has the long-standing yet dubious honor of being one of the most targeted states over the past few years. The state has often topped the list for identity-related crimes, and 2018 was no different. The state ranked number one for fraud reports to the Federal Trade Commission (FTC), and number four for identity theft reports. These numbers are fairly typical for Florida’s ranking in those crimes.

According to different sources, there are a number of reasons why Florida might be such a hot target for criminals. These include state and local government structuring, the resort construction and tourism industries, a large retiree population and the high-density of the state’s population in numerous metro areas. Last year’s total volume of reports to the FTC was over 205,000 from Florida alone, and the average losses from that state were $400 per victim.

An article in the Sun-Sentinel explains, “Thieves and scammers apparently are attracted to Florida for a host of reasons: Its lack of state income tax means less scrutiny from state officials. Its transient population makes it easier for hit-and-run operators to blend in. Its large senior population provides a tempting target of savings and vulnerabilities. And its fast development means a lot of new money floating around.”

Of course, identity theft and fraud crimes are broad categories that encompass a lot of different forms of attack. Criminals can rely on highly-profitable but hard to trace tactics such as benefits fraud, credit card and new account fraud, account takeover and imposter scams. A report by Security.org based on the FTC’s data found that fake debt collection scams were the most commonly reported method of attack at 29 percent (approximately 71,000 reports); meanwhile, reports of identity theft and its related crimes made up another 15 percent, or 38,000 reports. There is a seemingly endless variety of ways that someone with a little bit of know-how can target someone in this way, as these findings have shown.

Fortunately, a lot of the ways that criminals target Florida residents—which truthfully, can all be a threat no matter where you live—can often be thwarted by developing an air of caution. Ignoring requests for your private sensitive information, for example, and refusing to make payments over the phone or via email can head off a lot of these attacks. Securing your accounts with strong, unique passwords can also help, along with changing those passwords frequently. Finally, helping others by spreading the word about common scams and fraud attempts can help protect those around you, which can in turn help protect you.

Of course, the Identity Theft Resource Center is always here to help. If you’re a victim of identity theft or have questions about scams and other issues, speak to an identity theft advisor for toll-free, no-cost assistance at (888) 400-5530. For on-the-go assistance, check out the free ID Theft Help App from ITRC.


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