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2.6.4.L1

TakeChargeTodayJanuary2014ProtectingYourselfFromFraud
FundedbyagrantfromTakeChargeAmerica,Inc.totheNortonSchoolofFamilyandConsumerSciencesTakeChargeAmericaInstituteatTheUniversityofArizona
ProtectingYourselffromFraudNoteTakingGuide

TotalPointsEarned
Name

TotalPointsPossible
Date

Percentage
Class

Describethecommontypesoffraud:

Howdoesfraudnegativelyimpactan

Whatisfraud?

Identity
Theft
Communications
Credit
Investment
Tax
Howdoesfraudnegativelyimpact
anindividualswellbeing?

Fourtypesofpersonal
informationare...
Megan Cowherd
an intentional effort to deceive another individual for personal gain

When anothers personal information is used without their permission
When anothers personal information is used without their permission

Applying for and modifying credit (most common involves mortgages)
Investors are deceived by individuals claiming to be financial advisors or have an investment guaranteed to
make money
Scammers making claims that a person may be exempt from paying taxes
drivers license electronic devices
costs money
anxiety
time stress
debit and credit cards
identification cards
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2.6.4.L1

TakeChargeTodayJanuary2014ProtectingYourselfFromFraud
FundedbyagrantfromTakeChargeAmerica,Inc.totheNortonSchoolofFamilyandConsumerSciencesTakeChargeAmericaInstituteatTheUniversityofArizona

TheFraudMysteryNotes
HowdidthescammeraccessLucys
information?

WhatcouldLucyhavedonetominimizeherrisk
offraud?

Whatevidencehastheinspectorgatheredforandagainst
eachsuspect?
Suspect#1:ColonelMustard

Suspect#2:Mrs.Peacock

Suspect#3:Mrs.White

Suspect#4:ProfessorPlum

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2.6.4.L1

TakeChargeTodayJanuary2014ProtectingYourselfFromFraud
FundedbyagrantfromTakeChargeAmerica,Inc.totheNortonSchoolofFamilyandConsumerSciencesTakeChargeAmericaInstituteatTheUniversityofArizona

Threewaysthievesaccesspersonal
informationare...
Whatarefourwaystobecarefulonline?
Fourwaystoprotectyourpersonalinformationinclude:
Whyshouldapersonmonitortheircreditreportsandfinancialinformation?

Diverting mail
stealing a purse, wallet,
financial records, mail
skimming credit and debit
card information
Dont carry your social security code
memorize and use difficult pin numbers
keep personal records in a secure location
Shred personal documents before discarding them
To make sure nobody has stolen your identity and no mistakes have been made
search for your
name
use credit card
when making
online purchases
keep user names
and passwords
safe
look for https or a
picture of a lock
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2.6.4.L1

TakeChargeTodayJanuary2014ProtectingYourselfFromFraud
FundedbyagrantfromTakeChargeAmerica,Inc.totheNortonSchoolofFamilyandConsumerSciencesTakeChargeAmericaInstituteatTheUniversityofArizona

Ifyouareavictimoffraud,whatstepsshouldyoutake?

Whataresignsoffraud?
Describefourgovernmentagenciesand
whatfraud(s)theyprotectagainst
Whyisitrecommendedtouseacreditcardinsteadofadebitcardwhenmakingonlinepurchases?

Debit card:Liability depends on how quickly the card is reported and depository institution policies
Credit Card: No liability if a lost card is reported before being fraudulently used
You are denied credit
mail is missing
errors in your credit report
unfamiliar or unrecognizable charges
act immediately
keep detailed
records
File a report with
your local law
enforcement
Report to the
appropriate federal
agency
Federal trade
commission
consumer financial
Protection Bureau
federal drug
administration
federal
communications
commission
Prevent business practices that
are anticompetitive, deceptive or
unfair to consumers
Makes markets for consumer
financial products and services
work for Americans
Protects the public
health
Regulates interstate and
international communication