Identity Theft - Revision history

Drew Jackson: /* Consequences of identity theft */

2017-04-25T21:18:57Z

Consequences of identity theft

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	There can be charges for purchases you didn’t make and services you didn’t order. If these purchases were made with a lost or stolen credit card, you shouldn’t be liable for any losses as long as you report the lost or stolen card immediately.		There can be charges for purchases you didn’t make and services you didn’t order. If these purchases were made with a lost or stolen credit card, you shouldn’t be liable for any losses as long as you report the lost or stolen card immediately.

	As well, identity theft can result in a bad '''credit report,''' which could make it difficult for you to find employment, rent a place to live, or borrow money. See ~~below~~ for steps you can take to protect or repair your credit report.		As well, identity theft can result in a bad '''credit report,''' which could make it difficult for you to find employment, rent a place to live, or borrow money. See the section "[[If You've Been Scammed]]" for steps you can take to protect or repair your credit report.

	==Preventing problems==		==Preventing problems==

Drew Jackson at 21:16, 25 April 2017

2017-04-25T21:16:21Z

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	{{Law-Related ESL Badge		{{Law-Related ESL Badge
	\|lessonname= Scams to Avoid Lesson Module}}{{REVIEWEDPLS \| reviewer = [[People's Law School]]\|date= March 2017}}{{Scams to Avoid TOC}}		\|lessonname= Scams to Avoid Lesson Module}}{{REVIEWEDPLS \| reviewer = [[People's Law School]]\|date= March 2017}}{{Scams to Avoid TOC}}
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	Someone has taken your name, your credit card information, and your Social Insurance Number (SIN), and they are pretending to be you. They’re running up steep bills, even committing crimes - and as far as your bank and the authorities are concerned, they '''are''' you. This is '''identity theft''', and it is one of the fastest growing crimes in Canada.		Someone has taken your name, your credit card information, and your Social Insurance Number (SIN), and they are pretending to be you. They’re running up steep bills, even committing crimes - and as far as your bank and the authorities are concerned, they '''are''' you. This is '''identity theft''', and it is one of the fastest growing crimes in Canada.

	==What is identity theft?==		==What is identity theft?==

	Identity theft happens when someone takes your personal information - such as your name, address, date of birth, SIN, your bank account numbers, credit card information, or online passwords - and uses it to access your finances, make purchases in your name, or commit other crimes. For example, they might:		Identity theft happens when someone takes your personal information - such as your name, address, date of birth, SIN, your bank account numbers, credit card information, or online passwords - and uses it to access your finances, make purchases in your name, or commit other crimes. For example, they might:
	* take money out of your bank account		* take money out of your bank account
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	==How do they get the information?==		==How do they get the information?==

	{{PLSStorybox		{{PLSStorybox
	\| image = [[File:Headshot_-_Scams_to_Avoid_-_Hazel_-_2017.jpg\|link=]]		\| image = [[File:Headshot_-_Scams_to_Avoid_-_Hazel_-_2017.jpg\|link=]]
	\| text = “I got a call from my credit card company asking if I had just bought something in New York. I’ve never been to New York. It turns out someone had been using my credit card for weeks, and run up $10,000 in charges. The police think she got my credit card information by pulling an old bill out of my garbage, and then she contacted the credit card company to change my address. I had wondered why I hadn’t received a bill for almost two months.”<br>- Hazel, Williams Lake		\| text = "I got a call from my credit card company asking if I had just bought something in New York. I’ve never been to New York. It turns out someone had been using my credit card for weeks, and run up $10,000 in charges. The police think she got my credit card information by pulling an old bill out of my garbage, and then she contacted the credit card company to change my address. I had wondered why I hadn’t received a bill for almost two months."<br>- Hazel, Williams Lake
	}}		}}

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	==Warning signs==		==Warning signs==

	There are many signs that could indicate your personal information is being used by someone else.		There are many signs that could indicate your personal information is being used by someone else.
	* On your bills or bank statements, you don’t recognize some purchases or withdrawals.		* On your bills or bank statements, you don’t recognize some purchases or withdrawals.
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	==Consequences of identity theft==		==Consequences of identity theft==

	Being the victim of identity theft can be a complicated and frustrating experience.		Being the victim of identity theft can be a complicated and frustrating experience.

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	Here are ways to minimize the risk of someone stealing your identity.		Here are ways to minimize the risk of someone stealing your identity.

	===1. Protect your personal information===		===Protect your personal information===
	Never give personal or financial information to anyone who contacts you by phone or online unless you know who they are or can confirm they are legitimate. Be extra careful about giving out your Social Insurance Number (SIN). It's virtually a key to your identity.		Never give personal or financial information to anyone who contacts you by phone or online unless you know who they are or can confirm they are legitimate. Be extra careful about giving out your Social Insurance Number (SIN). It's virtually a key to your identity.

	===2. Handle your documents carefully===		===Handle your documents carefully===
	Carry only the identification you need. Don’t carry your SIN card, birth certificate, or passport on a regular basis. Store them in a safe place and only carry them when you know you need them.		Carry only the identification you need. Don’t carry your SIN card, birth certificate, or passport on a regular basis. Store them in a safe place and only carry them when you know you need them.
	Tear or shred receipts and copies of papers you no longer need, such as old tax returns, insurance forms, and credit offers you get in the mail.		Tear or shred receipts and copies of papers you no longer need, such as old tax returns, insurance forms, and credit offers you get in the mail.

	===3. Be cautious using email===		===Be cautious using email===
	Be extremely wary of emails that seem to come from financial institutions or authorities asking you to provide personal information. If in doubt, look up their contact information, call them, and ask them to verify the request before providing any information.		Be extremely wary of emails that seem to come from financial institutions or authorities asking you to provide personal information. If in doubt, look up their contact information, call them, and ask them to verify the request before providing any information.

	===4. Be cautious online===		===Be cautious online===
	On social networking sites, ~~don’t~~ post more personal information than necessary. Set your privacy settings as high as possible. ~~Don’t~~ accept friend requests from people you ~~don’t~~ know.		On social networking sites, don't post more personal information than necessary. Set your privacy settings as high as possible. Don't accept friend requests from people you don't know.

	===5. Read your statements===		===Read your statements===
	Read your bank and credit card statements. That way you'll know right away if you're being charged for something you didn't authorize. Report any missing mail or statements right away.		Read your bank and credit card statements. That way you'll know right away if you're being charged for something you didn't authorize. Report any missing mail or statements right away.

Elena Renderos at 03:37, 25 April 2017

2017-04-25T03:37:32Z

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	===5. Read your statements===		===5. Read your statements===
	Read your bank and credit card statements. That way you'll know right away if you're being charged for something you didn't authorize. Report any missing mail or statements right away.		Read your bank and credit card statements. That way you'll know right away if you're being charged for something you didn't authorize. Report any missing mail or statements right away.


	{{Scams to Avoid Navbox}}		{{Scams to Avoid Navbox}}

Elena Renderos at 02:26, 24 April 2017

2017-04-24T02:26:35Z

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	==How do they get the information?==		==How do they get the information?==
	{{PLSStorybox		{{PLSStorybox
	\| image =		\| image = [[File:Headshot_-_Scams_to_Avoid_-_Hazel_-_2017.jpg\|link=]]
	\| text = “I got a call from my credit card company asking if I had just bought something in New York. I’ve never been to New York. It turns out someone had been using my credit card for weeks, and run up $10,000 in charges. The police think she got my credit card information by pulling an old bill out of my garbage, and then she contacted the credit card company to change my address. I had wondered why I hadn’t received a bill for almost two months.”<br>- Hazel, Williams Lake		\| text = “I got a call from my credit card company asking if I had just bought something in New York. I’ve never been to New York. It turns out someone had been using my credit card for weeks, and run up $10,000 in charges. The police think she got my credit card information by pulling an old bill out of my garbage, and then she contacted the credit card company to change my address. I had wondered why I hadn’t received a bill for almost two months.”<br>- Hazel, Williams Lake
	}}		}}
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	Some go through garbage or recycling bins for discarded bills or other mail with personal information on it.		Some go through garbage or recycling bins for discarded bills or other mail with personal information on it.

	Some use technology to steal your information. For example, they pretend to be a reputable company and send fake emails or texts to trick you into providing personal and financial information.		Some use technology to steal your information. For example, they pretend to be a reputable company and send fake emails or texts to trick you into providing personal and financial information.

	==Warning signs==		==Warning signs==

Elena Renderos at 02:20, 24 April 2017

2017-04-24T02:20:24Z

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	==Preventing problems==		==Preventing problems==
			[[File:Scams_to_Avoid_-_Contents4.png\|thumb\|275px\|right\| link=\| <span style="font-size:50%;">Image via www.istockphoto.com</span>]]
	Here are ways to minimize the risk of someone stealing your identity.		Here are ways to minimize the risk of someone stealing your identity.

Elena Renderos at 01:31, 24 April 2017

2017-04-24T01:31:55Z

Show changes

Drew Jackson at 20:58, 20 April 2017

2017-04-20T20:58:25Z

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	{{Law-Related ESL Badge		{{Law-Related ESL Badge
	\|lessonname= Scams to Avoid Lesson Module}}{{~~Consumer~~ Law ~~Wikibook~~ TOC}}		\|lessonname= Scams to Avoid Lesson Module}}{{REVIEWEDPLS \| reviewer = [[People's Law School]]\|date= March 2017}}{{Scams to Avoid TOC}}
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	'''Identity theft''' happens when someone takes the personal information of another person and uses it without their knowledge or consent. Identity theft is one of the fastest growing crimes in Canada and can happen to anyone. By being aware of the issue and by managing your personal information wisely, you can help guard against identity theft.		'''Identity theft''' happens when someone takes the personal information of another person and uses it without their knowledge or consent. Identity theft is one of the fastest growing crimes in Canada and can happen to anyone. By being aware of the issue and by managing your personal information wisely, you can help guard against identity theft.

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	# Report the incident to your local police department. Ask the police to take a report, if possible. If a police report is available, include it in all your correspondence about the identity theft with financial institutions, credit issuers, other companies and credit reporting agencies.		# Report the incident to your local police department. Ask the police to take a report, if possible. If a police report is available, include it in all your correspondence about the identity theft with financial institutions, credit issuers, other companies and credit reporting agencies.

	{{~~REVIEWED \| reviewer = [[People's Law School]], 2013}}~~		{{Scams to Avoid Navbox}}

	~~{{Consumer Law Wikibook~~ Navbox}}

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	\|title = ~~Consumer Law Wikibook~~		\|title = Scams to Avoid
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Nate Russell at 20:56, 28 April 2015

2015-04-28T20:56:49Z

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	'''Identity theft''' happens when someone takes the personal information of another person and uses it without their knowledge or consent. Identity theft is one of the fastest growing crimes in Canada and can happen to anyone. By being aware of the issue and by managing your personal information wisely, you can help guard against identity theft.		'''Identity theft''' happens when someone takes the personal information of another person and uses it without their knowledge or consent. Identity theft is one of the fastest growing crimes in Canada and can happen to anyone. By being aware of the issue and by managing your personal information wisely, you can help guard against identity theft.

Drew Jackson: /* What you can do if your identity is stolen */

2014-04-05T14:34:27Z

What you can do if your identity is stolen

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Drew Jackson: /* What you can do to minimize the risk */

2014-04-05T14:33:37Z

What you can do to minimize the risk

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