ID Theft Review

T/F: Over half of child ID theft victims know the person who stole their information

True

T/F: Point-of-sale credit card fraud (in-person) is much more popular today than card-not-present fraud.

False

T/F: Connie Volkos testified in front of Congress to advocate for ID fraud victims

False

T/F: Approx $10 million was lost in 2024 due to ID theft crimes.

False

T/F: EMV tech is more secure than a magnetic stripe when used in-person

True

T/F: It wasn’t until 2021 that the law recognized ID theft victims as actual victims.

False

T/F: If you believe your SSN has been compromised, you should file a report with the SSA to get a new number.

False

T/F: If you choose "credit" at the register when using a debit card, you do not have fraud protection

False

T/F: ID cloning means you change your physical appearance to try to become the other person.

False

Every US citizen is entitled to a free credit report every week from each of the 3 credit bureaus.

True

T/F: All hackers are bad.

False

T/F: Connie Volkos served a 10-year sentence for ID fraud and cloning.

False

Some ID theft victims will receive restitution for the time spent trying to fix their identity.

True

T/F: On a website, "https" and "http" are the exact same thing.

Only careless people become victims of a data breach

False

 Elementary school kids cannot be victims of ID theft because they aren't 18.

False

T/F: Info held on the dark web is often illegally obtained through ID theft.

True

T/F: If you conduct business & bank online, you are likely going to be a victim of ID theft at some point.

True

T/F: One of the challenges w/ cyber ID theft is the perpetrators are usually really smart and stay ahead of "the law".

True

T/F: Credit monitoring services are all free.

False

Stealing the identity of a dead person

Ghosting

The part of the internet where illegal/unethical sales take place. (Where personal info is sold, such as SSNs)

Dark web

Software that hides in the background and watches all of your online activities

Spyware

A way to scramble data using computer algorithms to prevent unauthorized access to data or sensitive information

Encryption

When a hacker infiltrates an ecommerce checkout page and records banking and/or card info

Form Jacking

Someone who hacks for good. (Searching for weaknesses in a computer system in order to prevent data breaches, etc.)

White hat hacker

A fake email that looks legit that is used to obtain another’s personal information

Phishing

A specific form of spyware that simply records the keys you type and where you type them

Keylogging

Someone who hacks for nefarious purposes such as identity theft

Black hat hacker

stealing someone else’s personal data

Identity theft

A type of credit card fraud in which the victim’s account numbers are copied and transferred using a small device

Skimming

A combo of “malicious” & “software”, it's software created with the specific intent to cause disruption or damage.

Malware

A form of phishing in which someone tries to trick you into giving them your private information via SMS message

Smishing

When someone opens multiple accts, gets a driver’s license, and presents themselves as another person in every way

ID cloning

The part of the internet that doesn't come up when you Google something and is a "safe" place for our info

Deep web

Using someone’s stolen personal information to open accounts

ID fraud

When someone takes over some else’s bank/credit accounts

Account takeover

 “Phishing without a lure”- A malicious code is installed onto a device to misdirect users onto illegit sites

Pharming

When a hacker lies in wait for someone to make a mistake then attacks a system on the same day it is discovered

Zero-Day Exploit

An incident wherein info is stolen or taken from a system without the knowledge/authorization of the system's owner

Data Breach

Someone who hacks then reports the hack to the owners. They often offer info in exchange for $. (Extortion)

Grey hat Hacker

Which division of fed investigates and handles cases:

FTC (federal trade commission)

Whats the website to get credit report

annualceditreport.com

According to liflock how often is identity stole

every 22 seconds

What are three things to do to protect yourself

shred documents, new/unique passwords, and monitor credit reports

What are 3 ways thieves can obtain infor

skimming, daya breach, and stealing mail

In the movie where did connie get info

at the mortgage and loan APPLICATION

If id is stolen what can you immediately do

close all accounts, call police, report to credit bureau

What do following terms mean theft, fraud, cloning

Theft: STEALING of information

Fraud: USING of said information

Cloning: TAKING OVER someone’s full identity

3 ways connie used michelles info

bought the car, got an apartment, liposuction