Robo de Identidad: Qué saber y Qué hacer [Primer Nombre, Segundo Nombre] Federal Reserve Bank of Dallas, El Paso Branch Good morning/afternoon/evening: Thank you for joining us today. I want to talk to you about how we can reduce our risk of a problem . I’m talking about identity theft. ID theft has that has affected millions of people. But there are things we can do to protect ourselves. Descargo de responsabilidad: Las opiniones expresadas son las del presentador y no reflejan necesariamente las del Banco de la Reserva Federal de Dallas o el Sistema de la Reserva Federal.

Descripción Protección de la Identidad Protección de qué? Señales de advertencia ¿Cómo usted puede reducir su riesgo? Identity protection is a 21st century practice that can become a habit. Today we’re going to talk about and how we can make protecting our personal information a priority, and part of our regular routines. First, let’s talk about identity theft, what it is and the warning signs to look for.

¿Qué es el robo de identidad? El robo de identidad se produce cuando alguien le roba su información personal o alguna cuenta de crédito y la usa sin su permiso. Puede: causar estragos en sus finanzas dañar su historial de crédito dañar su reputación Resolver los problemas causados por el robo de identidad puede tomar tiempo, costar dinero y requerir de mucha paciencia. Identity thieves can cause a lot of damage – and cost you time, money, and patience to repair. Identity theft happens when someone steals your personal information and uses it without permission. Thieves can run up your credit accounts, get new credit cards, medical treatment or a job – all in your name. Identity theft is defined as the unauthorized use or attempted misuse of an existing credit card or other existing account, the misuse of personal information to open a new account or for another fraudulent purpose, or a combination of these types of misuse.

Señales de Advertencia ¿Cómo saber si su identidad ha sido robada? Existen errores en cuentas o en su Explicación de Beneficios Médicos Se han perdido estados de cuenta Llamadas de los cobradores de deudas que no son suyas* Notificación del IRS Llamadas o correo electrónico acerca de las cuentas en nombre de su hijo menor de edad**

¿Cómo ocurre el robo de identidad? Los ladrones pueden: Robar información por medio de: basura un negocio por sitios de internet el robo de su billetera o cartera Engañar para revelar información Pretender ofrecer un trabajo, un préstamo o apartamento para obtener su información

Reduce el Riesgo Protección de la identidad implica el tratamiento de su información personal con cuidado. Que sea un hábito. Como ponerse el cinturon de seguridad, o Cerrar las puertas en la noche Even if your identity hasn’t been stolen, you can do things to reduce your risk. Make it part of your routine to monitor your accounts. It can become a habit like buckling your seatbelt or locking your doors at night. ----- (VIDEO OPTION: If speaker chooses to include the video, What is Identity Theft? In the presentation.) Let’s look at a short video.

Reduce el Riesgo ¿Cómo reducir el riesgo de robo de identidad? Su derecho a un reporte de crédito gratis cada 12 meses Para ordenar: annualcreditreport.com 1-877-322-8228 Equifax Experian TransUnion 1-800-525-6285 1-800-397-3742 1-800-680-7289 Read your credit reports. You have a right to a free credit report every 12 months from each of the three nationwide credit reporting companies. Stagger your requests so that you order one report every four months. To order, go to annualcreditreport.com or call 1-877-322-8228.

Reduce el Riesgo Lea sus estados de cuenta bancarios, de crédito y de cuentas y Explicación de Beneficios Médicos. Fíjese bien si no hay cambios o cargos que usted no hizo. Esté alerta de cuando deben llegar sus estados de cuenta o recibos. Dele seguimiento si obtiene estados de cuenta que usted no espera.

Reduce el Riesgo Responder rápidamente a los avisos del Servicio de Impuestos Internos. Si alguien ha usado su número de Seguro Social en una declaración de impuestos, comuníquese con la Unidad de Protección de Robo de Identidad del IRS Especializada http://www.youtube.com/watch?v=6s9_bZXdZM0 1-800-908-4490

Reduce el Riesgo Proteja su número de Seguro Social. Nunca carge su tarjeta de seguro social en su cartera. Si alguien lo pide, pregunte: Por qué lo necesita? Cómo será utilizado? Cómo lo van a proteger?

Reduce el Riesgo Proteja su información personal. Mantenga sus documentos importantes en un lugar seguro. Tenga cuidado con su correspondencia aun cuando este fuera de la ciudad. Triture los documentos sensibles. No comparta su información personal en redes sociales. Protect your personal information. Keep your important papers secure. Lock up your financial documents and records in a safe place at home – and lock up your wallet or purse at work. Limit what you carry. Take only the identification, credit and debit cards that you need. Be careful with your mail. Take outgoing mail to the post office collection boxes or the post office. Remember to remove mail that arrives in your mailbox. If you’re going to be away for several days, ask for a vacation hold on your mail. To do that, go to your local post office or visit www.usps.com/holdmail. Shred receipts, credit offers or applications, insurance forms, physician statements, check or bank statements and other similar documents. Destroy labels on prescription bottles before you throw them out. Don’t overshare. If you post too much information about yourself on social networking sites, and identity thief can find out information about your life, use it to answer challenge questions on your accounts and get access to your money and personal information. Never post your full name, Social Security number, address, phone number or account numbers in publicly accessible places. Consider limiting access to your networking page to a small group of people.

Reduce el Riesgo Esté alerta a los imitadores en línea/web. ¿Sabe quién está recibiendo su información personal? No haga clic en enlaces de correos electrónicos desconocidos. (“phishing”) Póngase en contacto con el servicio al cliente por medio de un numero en su tarjeta de crédito o cuenta. Be alert to online impersonators. Be sure you know who is getting your personal or financial information online. If a company that claims to have an account with you sends email asking for personal information, don’t click on links in the email. Instead, type the company name into your web browser, go to their site, and contact them through customer service. Or, call the customer service number listed on your account statement. Ask whether the company really sent a request.

Reduce el Riesgo Proteja su computadora. Usar programas anti-virus. Crear contraseñas seguras. Mantener el sistema operativo, el navegador y la seguridad actualizados. Create strong passwords that mix 10 or more letters, numbers and special characters. Don’t use the same password for more than one account. Use anti-virus software, anti-spyware software, and a firewall on your computer. Protect against intrusions and infections that can compromise your computer files or passwords by installing security patches for your operating system and other software. Set y Encrypt your data. Keep your browser secure. Use encryption software that scramble information you send over the Internet. A “lock” icon on your browser’s status bar means your information will be safe when it’s transmitted. Be wise about wi-fi. Public wireless networks are in a coffee shop, library, hotel or other public place. Before you use a public wi-fi network, see if your information will be protected. If you use an encrypted website, it protects only the information you send to and from that site. If you use a secure wireless network, all the information you send on that network is protected. our computer’s operating system, web browser, and security system to update automatically.

Reduce el Riesgo Proteja su computadora. Codifique o encripte su computadora. Sea prudente acerca de redes inalámbricas del web. Establezca una contraseña para entrar. Leer las políticas de privacidad Encrypt your data. Keep your browser secure. Use encryption software that scramble information you send over the Internet. A “lock” icon on your browser’s status bar means your information will be safe when it’s transmitted. Be wise about wi-fi. Public wireless networks are in a coffee shop, library, hotel or other public place. Before you use a public wi-fi network, see if your information will be protected. If you use an encrypted website, it protects only the information you send to and from that site. If you use a secure wireless network, all the information you send on that network is protected. Keep your laptop safe. Keep financial information on your laptop only when necessary. Don’t use an automatic login feature that saves your user name and password, and always log off when you’re finished. If your laptop is stolen, it’ll make it harder for the thief to get your personal information. Read privacy policies. Yes, they’re long and complex but they tell you how the site maintains accuracy, access, security, and control of the personal information it collects, how it uses the information, and whether it provides it to third parties. If you don’t see a privacy policy, consider doing business elsewhere.

Reduce el Riesgo Proteja su computadora. Establezca una contraseña para entrar. Leer las políticas de privacidad. Keep your laptop safe. Keep financial information on your laptop only when necessary. Don’t use an automatic login feature that saves your user name and password, and always log off when you’re finished. If your laptop is stolen, it’ll make it harder for the thief to get your personal information. Read privacy policies. Yes, they’re long and complex but they tell you how the site maintains accuracy, access, security, and control of the personal information it collects, how it uses the information, and whether it provides it to third parties. If you don’t see a privacy policy, consider doing business elsewhere.

[If the presenter would like to address recovering from identity theft, leave slides 17 to 20 here. If not, go directly to slide 22.] Delete this slide before presenting!

Qué hacer si alguien ha robado su identidad? Actúe rápidamente para limitar los daños. Siga los siguientes pasos inmediatamente… Acting fast is the best way to limit the damage caused by an identity thief. VIDEO OPTION: (show What To Do If You’re A Victim of Identity Theft) I’d like to show you this brief video.

Si su identidad es robada ... PASO 1: Ponga una alerta de fraude inicial en su informe crediticio. Póngase en contacto con cualquiera de las tres compañías de informes de crédito en todo el país. Equifax 1‑800‑525‑6285 Experian 1‑888‑397‑3742 TransUnion 1‑800‑680‑7289 If Your Identity is Stolen... Flag Your Credit Reports Call one of the nationwide credit reporting companies, and ask for a fraud alert on your credit report. The company you call must contact the other two so they can put fraud alerts on your files. An initial fraud alert is good for 90 days. Equifax 1‑800‑525‑6285 Experian 1‑888‑397‑3742 TransUnion 1‑800‑680‑7289

Si su identidad es robada ... PASO 2: Pida su reporte de crédito. Póngase en contacto con cada una de las tres compañías de informes de crédito. Víctimas de robo de identidad obtienen una copia de sus informes de forma gratuita. Lea sus informes cuidadosamente y corregir cualquier error. Order Your Credit Reports Each company’s credit report about you is slightly different, so order a report from each company. When you order, you must answer some questions to prove your identity. Read your reports carefully to see if the information is correct. If you see mistakes or signs of fraud, contact the credit reporting company.

Si su identidad es robada ... PASO 3: Crear una Denuncia por Robo de Identidad. Le da los derechos que le ayudan a recuperarse más rápidamente. Presente una queja ante el FTC (Comisión Federal de Comercio). www.consumidor.ftc.gov o 1-877-438-4338. Esto se convertirá en su Declaración Jurada FTC. Presente una denuncia policial. Create an Identity Theft Report An Identity Theft Report can help you get fraudulent information removed from your credit report, stop a company from collecting debts caused by identity theft, and get information about accounts a thief opened in your name. To create an Identity Theft Report: • file a complaint with the FTC at ftc.gov/complaint or 1-877-438-4338; TTY: 1-866-653-4261. Your completed complaint is called an FTC Affidavit. • take your FTC Affidavit to your local police, or to the police where the theft occurred, and file a police report. Get a copy of the police report. The two documents comprise an Identity Theft Report.

Declaración jurada de Robo de Identidad Su declaración jurada FTC y el informe de la policía crea un Reporte de Robo de Identidad. Declaración jurada de Robo de Identidad Reporte de Policía Reporte De Robo De Identidad + =

Comuníquese con el FTC Presentar una queja de robo de identidad con el FTC: ftc.gov/complaint 1-877-ID-THEFT 1-877-438-4338 Aprenda más sobre el robo de identidad: ftc.gov/idtheft Solicite publicaciones gratuitas: Ftc.gov/ordenar Thanks for your time and attention. I hope you’ve picked up some tips on how to reduce your risk of identity theft. [If recovery from IDT is discussed: And learned what you should do immediately if your identity is stolen.] I’m distributing the handouts now. (Copies of Identity Theft: What to Know, What to Do) Does anyone have questions? I’ll try to answer them but you can always go to the Federal Trade Commission, the nation’s consumer protection agency. They can be reached at this contact information.

Preguntas? Thanks for your time and attention. I hope you’ve picked up some tips on how to reduce your risk of identity theft. [If recovery from IDT is discussed: And learned what you should do immediately if your identity is stolen.] I’m distributing the handouts now. (Copies of Identity Theft: What to Know, What to Do) Does anyone have questions? I’ll try to answer them but you can always go to the Federal Trade Commission, the nation’s consumer protection agency. They can be reached at this contact information.