What You Need to Know About Identity Theft

Identity theft is one of the fastest-growing crimes in the US with over 16 million victims of identity theft costing citizens $16.8 billion. Join us for a live & interactive discussion that will explore: The different types of Identity Theft Data breaches The Dark Web and what measures you can take to minimize becoming a victim 

Andre Lingham Founder/President Center for Elder Justice and Education

• cfejae2021@gmail.com or (667) 352-0295 
• https://elderjusticeandeducation.org/

Power Point from Discussion

Questions Asked

• People often ask me for advice about managing passwords. I’ve often suggested LastPass but that too was hacked. Suggestions?
• In general, is mit better to use cash than credit when you can?  Also, are credit cards safere than credit cards?
• How safe is online banking:  auto payments, bill paying, etc.?  Is it better to use checks?
• how do we go about doing credit freeze
• Would you say that venmo is better than credit cards? My gen Z son uses venmo.. he rarely use cash.

Chat Transcript

08:36:54     From  Steve Gurney - ProAging Community : https://elderjusticeandeducation.org/

08:37:06     From  Steve Gurney - ProAging Community : The Center for Elder Justice and Education is a 501(c) (3) non-profit organization working to make the world a better place to live for older adults and vulnerable adults. We spread awareness for our cause, offer presentations, trainings and services to our community and advocate for positive change.

08:37:29     From  Steve Gurney - ProAging Community : cfejae2021@gmail.com or (667) 352-0295

08:41:26     From  michael yublosky : Everyone in our household has had their identity stolen at one time.

08:47:43     From  Joan Green : It’s a scary world out there!  It’s tough to balance convenience and privacy when it comes to tech. My mother recently noticed fraudulent activity in her bank account and we’ve spent many many hours sorting it all out.

08:48:48     From  Gary Haynes : Does the same apply to cell phones as well

08:49:00     From  Kitchie McBride : Do not click the link in your email. Go directly to the website to log in.

08:50:04     From  Joyce VanZile   to   Hosts and panelists : I have to leave this session early.  Is this being recorded so I can re-watch later?  I am a housing counselor and work with vulnerable adults frequently.

08:50:24     From  Margi Helsel-Arnold : A banker suggested I take photo of my social security card in my IPhone! What do u think of that margi gercare.com

08:50:29     From  Meryl Schaffer   to   Hosts and panelists : Joyce, you will receive the link later today.

08:53:41     From  Joe Sperling : How can we stop the huge number of scam or spam phone calls?

08:53:57     From  Joan Green : Lately I’ve been using  my Apple watch to pay. It’s great to just double click the button on my watch and then tap the device accepting credit cards. When traveling it was handy because I didn’t have to open up my purse and could minimize what I carried with me.

08:55:22     From  Meryl Schaffer : I picked up a new client(late 20s) in Waldorf & asked him to text me his SSAN.  Instead he emailed it to me & I was hacked within the next few days.  Within 24 hours my client had a mortgage set up in Kentucky.  When daily money managers suggest certain methodologies, there is a reason for it.

08:56:35     From  Emily O'Halloran   to   Hosts and panelists : Following up on Joan’s comment - is there a way to obtain our data when we either tap to pay w/ a card or use our Apple Pay devices to tap and pay?

08:58:48     From  Louise Smoak : 1. What Is safer -- mailing checks inside post office or online banking? 2.  Are identity theft protection plans safe and worth the money?

09:01:58     From  Kitchie McBride : One of my previous jobs was to fix patient electronic health records due to possible medical identity theft.

09:02:10     From  Meryl Schaffer : What about having ones pass words memorized on ones computer?  I have a locked excel spreadsheet that I go to every time I need to log into a site?

09:03:04     From  madhu mehta   to   Hosts and panelists : I was Hacked once it cost me about $500

09:03:08     From  Judy Tiger : how good are password managers

09:03:59     From  Diane La Voy   to   Hosts and panelists : Is this presentation available to share? I’d like to share with my village (Cheverly Village).

09:08:56     From  Judy Tiger : how is it legal for data brokers to sell info?

09:10:21     From  Judy Tiger : why is it legal for others (public or purchase) to sell private information?

09:10:25     From  Kitchie McBride : @Judy exactly

09:12:08     From  Meryl Schaffer : I receive mailers on my busine that I closed down in 2016.  In fact, Md made a typo in the name of my business & I had to go through the gyrations of correcting the business name.    Still receiving information on the mis-spelled non-existent business entity.  Yes very frightening.

09:13:44     From  Judy Tiger : What do you do when you learn about a data breach of huge size?

09:15:26     From  Meryl Schaffer : One must read their credit card statements every month.; even checking them several times during the month is a good idea.

09:15:54     From  Judy Tiger : Crazy. Why can't law enforcement shut down the dark web?

09:20:24     From  Meryl Schaffer : Amazon charged my credit card for an Apple gift card.  I did not do this & Amazon would not do anything abo  tit, so I went to my credit card company & they had it reversed.  Of course, then I changed my Amazon PW.

09:22:10     From  Margi Helsel-Arnold : If u freeze credit file u can not use current credit cards?

09:23:08     From  Judy Tiger : yes, you can use your credit card while your credit is frozen

09:23:27     From  Judy Tiger : does he think that password managers are safe and useful?

09:25:11     From  madhu mehta   to   Hosts and panelists : How do you freeze your credit report

09:25:49     From  Judy Tiger : why isn't the 'small print' legal. should be made a legal requirement for businesses to produce user agreements in EASY to understand language.

09:27:27     From  Judy Tiger : just don't click on anything you are not already expecting.

09:27:28     From  Gary Haynes : Thank you Andre.  An excellent presentation.

09:28:15     From  Elizabeth Nolte   to   Hosts and panelists : How often are security software programs hacked?

09:28:16     From  Gary Haynes : Would it be wise to freeze our kids credit?

09:29:47     From  I. S. Gibian   to   Hosts and panelists : I’m getting tons of email “offers” for credit bureau reports…from very personal, unofficial sounding email addresses, incl in the UK.  Assume not legit, yes?

09:29:50     From  Judy Tiger : there has been quite a lot of check 'washing' from people stealing from mailboxes in Montgomery Cty MD

09:30:02     From  Meryl Schaffer : I purchased an item & it stated that it was produced on Long Ireland instead of Long Island.  Looks like this is questionable.

09:30:06     From  Rebekah Kleinman : Is it safe to provide your bank routing/ account information to an individual who wants to wire you money; i.e. monthly rent?

09:30:21     From  Elizabeth Nolte : How safe are security keys and using your fingerprint to enter your online banking site or other websites?

09:31:34     From  Carolyn Warren : Panasonic has a great phone that we can block unwanted calls from continuing to call.

09:33:32     From  Rebekah Kleinman : Who did you say to contact to set up a credit freeze?

09:33:42     From  Meryl Schaffer : I sometimes play games with the fraudulent calls.  They will ask for either my husband or myself & I tell them the person passed away last week.

09:33:43     From  faith drummond : This is a great presentation.  Thank you to Andre and all others.

09:34:02     From  Judy Tiger : All three credit bureaus, to set up a credit freeze.

09:35:32     From  Meryl Schaffer : Credit cards will set up limits & notify you if something is coming through out side the restriction(s).

09:36:13     From  Judy Tiger : I receive an alert everytime my credit card is charged more than $1

09:36:20     From  Joe Sperling : Credit cards can also be set up to notify you by email of every purchase.

09:36:35     From  Rea Estrada   to   Hosts and panelists : My credit card keeps getting hacked.  I tell the bank & change my credit card number but then it happens again.  What do I do.???

09:38:51     From  Patti Ross : recently I bought an item online, and the customer rep said she couldn't tae my credit card info verbally; i had to type in my number. i think that's a good protection.

09:39:58     From  Judy Tiger : what about the difference (safety) between zelle and venmo?

09:40:08     From  Joan Green : Thanks for the wonderful presentation! On venmo you can choose to make the transaction private so it doesn’t appear in any feed.

09:40:16     From  Meryl Schaffer : I think there is a way of stopping the announcements on Venmo.

09:40:54     From  Judy Tiger : I find fingerprints and face recognition are hard for elders

09:41:31     From  Joe Sperling : ACH or EFT

09:41:41     From  madhu mehta   to   Hosts and panelists : Thank you Andre for this great information

09:41:47     From  Kitchie McBride : @Meryl, you can set to private. But kids loves to share info… like my niece paid her friend for their lunch. I can track who she is having lunches with.

09:42:18     From  Judy Tiger : What would be the best way to set up a regular payment you need from someone else, ie the rent? Is there a secure regular billing mechanism?

09:42:45     From  Meryl Schaffer : That is GREAT Kitchie!

09:44:33     From  Rea Estrada   to   Hosts and panelists : EXCELLENT !!!!!,  Thank you

09:45:05     From  Elizabeth Nolte : I was a victim of the restaurant purse theft unfortunately

09:45:27     From  Meryl Schaffer : I use a large clip & lock my purse on the cart.

09:46:46     From  Judy Tiger : Never put your purse behind you in a public place. Put the strap over your knee or leave it at home. The benefits of wearing clothes with pockets!!

09:46:54     From  Tony Miller : Thank you Andre.  Very good

09:46:58     From  Elizabeth Nolte : Great suggestions. Thanks

09:47:16     From  Margi Helsel-Arnold : Thank u Andre

09:47:27     From  Peggy Krueger : Thank you so much. Wonderful info.

09:47:33     From  Kitchie McBride : Thank you Andre

09:47:37     From  Judy Tiger : So important, thank you!!!

09:47:56     From  madhu mehta   to   Hosts and panelists : Thank you Steve

09:48:34     From  Judy Tiger : Would like to attend both of his other two presentations.

09:48:58     From  Judy Tiger : Andre, please include guardianship in the discussion of POA

09:49:40     From  Joan Green : All of the other topics Andre speaks about sound terrific.