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Identity theft Risk Management Crash Course
Personal information
Any item which by itself or in combination with something else can identify you. This includes but is not limited to names, dates of birth, social security numbers addresses, account numbers. Even a phone number can be identifying information. A reverse directory will reveal the name and address attached to that phone number. How does information get breached?
Dumping files
Employee theft
Misidentification of personal information
Carelessness
Accidental publishing exposure
Theft of electronic storage devices and or computers
Burglary What happens to information after a breach?
(While every breach may not result in identity theft, information does not necessarily have to be used immediately. Information can be held and aged until the standard monitoring period has elapsed and then be used)
The thief uses the information for his or her own personal use
The thief sells the information:
Flea markets
Online chat rooms
Identity theft rings Examples of Identity theft types
Financial:
Use a stolen information to get a credit card and then not pay the bill.
Driver's license:
Use a stolen Driver's license when pulled over by the police and not pay the tickets.
Social Security:
Use a stolen social security number to apply for a job. If the information does not go into the IRS "mismatch" file, it will show that the victim earned the income.
Medical:
Use stolen insurance information to get medical treatment, the thief's medical information and the victim's medical information merge into one medical history.
Criminal:
When arrested give the victims name then do not show up for trial. The judge will issue a bench warrant for the victim. Avoiding a breach
Have a "Clean Desk" policy
Limit access to personal information to those who need it
Keep personal information under lock and key
Properly dispose of personal information (Shred or burn)
Do not keep personal information longer than necessary
Have a written policy in place to react to a breach
Train all employees on proper handling of sensitive information While nothing will completely eliminate your risk of a breach, awareness and care can greatly lower your risk.
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Contributor's Note
Cheryl Baumgartner is an Identity Theft Risk Management Specialist and Independent Associate with PrePaid Legal Services. She can be reached by e-mail at legallady01@hotmail.com or visit her website for more information www.prepaidlegal.com/idt/cheryl63
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