This up-to-date and comprehensive electronic book on CD-ROM presents an authoritative library of documents and publications covering all aspects of identity theft – federal information on financial and cyber security, on-line safety, internet scams, web and email phishing, and credit reports, with material from the Federal Trade Commission (FTC) and other federal agencies. The FTC reports: Identity theft is a serious crime. People whose identities have been stolen can spend months or years – and thousands of dollars – cleaning up the mess the thieves have made of a good name and credit record. In the meantime, victims of identity theft may lose job opportunities, be refused loans for education, housing, or cars, and even get arrested for crimes they didn’t commit. Humiliation, anger, and frustration are among the feelings victims experience as they navigate the process of rescuing their identity. How Identity Theft Occurs - Despite your best efforts to manage the flow of your personal information or to keep it to yourself, skilled identity thieves may use a variety of methods to gain access to your data. How Identity Thieves Get Your Personal Information: They get information from businesses or other institutions by: stealing records or information while they’re on the job; bribing an employee who has access to these records; hacking these records; conning information out of employees; they may steal your mail, including bank and credit card statements, credit card offers, new checks, and tax information; they may rummage through your trash, the trash of businesses, or public trash dumps in a practice known as “dumpster diving.” They may get your credit reports by abusing their employer’s authorized access to them, or by posing as a landlord, employer, or someone else who may have a legal right to access your report. They may steal your credit or debit card numbers by capturing the information in a data storage device in a practice known as “skimming.” They may swipe your card for an actual purchase, or attach the device to an ATM machine where you may enter or swipe your card. They may steal your wallet or purse. They may steal personal information they find in your home. They may steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account. This practice is known as “phishing” online, or “pretexting” by phone. How Identity Thieves Use Your Personal Information: They may call your credit card issuer to change the billing address on your credit card account. The imposter then runs up charges on your account. Because your bills are being sent to a different address, it may be some time before you realize there’s a problem. They may open new credit card accounts in your name. When they use the credit cards and don’t pay the bills, the delinquent accounts are reported on your credit report. They may establish phone or wireless service in your name. They may open a bank account in your name and write bad checks on that account. They may counterfeit checks or credit or debit cards, or authorize electronic transfers in your name, and drain your bank account. They may file for bankruptcy under your name to avoid paying debts they’ve incurred under your name, or to avoid eviction. They may buy a car by taking out an auto loan in your name. They may get identification such as a driver’s license issued with their picture, in your name. Topics covered include: How Identity Theft Occurs - If Your Personal Information Has Been Lost or Stolen; ID THEFT Victims: Immediate Steps - Placing Fraud Alerts on Your Credit Report; Closing Accounts; Filing a Complaint with the Federal Trade Commission; The Identity Theft Report; Tips For Organizing Your Case; Chart Your Course of Action - Resolving Specific Problems - Bank Accounts and Fraudulent Withdrawals; Bankruptcy Fraud; Correcting Fraudulent Information in Credit Reports; Credit Cards; Crimin
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This incredible CD-ROM is packed with over 18,000 pages reproduced using Adobe Acrobat PDF software - allowing direct viewing on Windows and Macintosh systems. Our news and educational CD-ROM and DVD-ROM discs are privately compiled collections of official public domain U.S. government files and documents - they are not produced by the federal government. They are designed to provide a convenient user-friendly reference work, utilizing the benefits of the Adobe Acrobat format to uniformly present thousands of pages that can be rapidly reviewed, searched by finding specific words, or printed without untold hours of tedious research and downloading. Vast archives of important public domain government information that might otherwise remain inaccessible are available for instant review no matter where you are. This book-on-a-disc format makes a great reference work and educational tool. There is no other reference that is as fast, convenient, comprehensive, thoroughly researched, and portable - everything you need to know, from the federal sources you trust.
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2 of 2 people found the following review helpful:
4.0 out of 5 stars
has no technical solution for phishing,
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This review is from: 2006 Essential Guide to Protection from Identity Theft – Federal Information on Financial and Cyber Security, On-line Safety, Internet Scams, Web and Email Phishing, Credit Reports, FTC (CD-ROM) (CD-ROM)
The CD has many useful tips on guarding against online scams. With some 18000 pages of advice, it offers good value. Especially when you consider its price against various electronic papers offered for sale on Amazon by consulting firms on this subject. Some of those papers are going for hundreds of dollars! Ignore them and look at this US government compendium.
Interested readers should also note that the advice given about detecting phishing is for manual scrutiny of a suspected phishing email. No technical solution is offered by the government, circa late 2005, when this CD was made.
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