Posts tagged ‘ID theft’
Posted by Robert J. LackieThe American Library Association (ALA), the Federal Reserve, and I hope that many librarians and their libraries are participating in the first ever national Money Smart Week® @Your Library this week, April 2-9, 2011! Money Smart Week (a registered service mark of the Federal Reserve Bank of Chicago) events are taking place now at member libraries across the country covering topics from learning how to apply for a mortgage to teaching young people about credit to ID theft protection, with many resources uploaded to the Money Smart Week® @Your Library official site, linked above. Visit this site for information on this initiative and for news and important links you can use this week, right now!
Additionally, Rider University’s Center for Business Forensics (CBF) has hosted several free interactive panel presentations for the general public (students, staff, community members, etc.) and law enforcement personnel focusing on the major issues surrounding identity theft—including financial literacy—and providing insight into the widespread, varying, and serious nature of identity theft.Dr. Drew Procaccino, a professor of computer information systems at Rider, has organized and led these Identity Theft: What You Need to Know sessions with panels of experts from law enforcement, banking, legal, library, IT, CIS, and health care organizations. As a panelist several times and as a new member of the American Library Association’s Academic MSW@Your Library Committee, I want to again provide everyone with some frequently repeated “best practices” from the panel experts for detection and protection, especially since this week (until April 9, 2011), we are officially celebrating the 10th year anniversary of Money Smart Week. Here are the 10 best practices/advice from our panel of experts at Rider’s CBF sessions:
1. Shred with a crosscut or micro shredder pieces of mail that contain any personal information before throwing them in the trash at home or at work.
2. Place outgoing mail and retrieve incoming mail via a locking mailbox or official Postal Service box.
3. Use a virtual credit card number (available through most banks) for online purchases, rather than your “real” credit card—connected to your card, the virtual number can be set up to only be used once, for that one online purchase (or for longer, but only if you wish).
4. Keep an eye on your credit card when you are paying for something—don’t allow it to disappear out of your sight (skimming of your card could occur).
5. Inventory/photocopy what is in your wallet/purse and place that photocopy (back and front of cards) in a locked cabinet—if your wallet/purse is stolen, you have all the info.
6. Never respond to an unsolicited email from your bank, medical organization, etc., and don’t unsubscribe—don’t even click on the link, just delete it.
7. Cover the ATM keypad from prying eyes and cameras with one hand while you enter your PIN.
8. Review your credit reports (you can get a free one each year from each of the three credit reporting agencies, and if you stagger requests, you can get one every four months).
9. Clear private data from your browser (i.e., Firefox, IE, or Safari): delete temporary files, browsing history, cookies, cache, saved form information, and saved passwords, especially when using a public computer or kiosk at a library, hotel, airport, coffee shop, etc., and then shut down your browser.
10. Use different passwords for different sites—and try changing/updating your passwords to passphrases.
Last but least, my annually-updated free website, Personal Profiles and Other Publicly Available Information: An Internet Hotlist on Detecting and Protecting Your Digital Footprint, contains some of my favorite ID theft protection, privacy information, and financial assistance sites, among other things, found on experts’ sites on the free Web, including our Identity Theft: What You Need to Know seminar project’s 29-page handout from Rider University, available to all.
Remember, according to Terri Cullen, author of The Wall Street Journal Complete Identity Theft Guidebook: How to Protect Yourself from the Most Pervasive Crime in America, ( “…Identity theft covers several different specific crimes, and collectively,…is one of the easiest crimes to commit, one of the hardest to prosecute, and one that is drawing increasing attention from the media.” So, feel free to share this information with all of your patrons and students, especially because proactively protecting your digital footprint and your finances is much easier than dealing with them after the fact as a victim—being a victim can be a very emotional, time-consuming, and financially-unrewarding process. Again, prevent it from ever happening to you, and help others do the same.Anyway, I hope this all helps you during Money Smart Week® @Your Library this week, April 2-9, 2011. Enjoy partnering with and/or sharing pertinent information from your community groups, financial institutions, government agencies, educational organizations, and other financial experts this week to help all of our consumers learn to better manage and protect their personal finances!