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11.4 Lesson 4: Identity Theft

Last updated about 3 hours ago

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Hyɛ no nsow a efi ɔkyerɛwfo no hɔ:

Akwankyerɛ

Intro

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1.

QUESTION OF THE DAY: How many minors have had their identity stolen?

Learn It

Do It

Learn It (pt. 2)

Exit Ticket

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Learning Objectives

Students will be able to:

Identify different types of identity theft, how they can occur, and the impact they can have on someone’s life
Take measures to protect their personal information
Understand current trends about identity theft
Outline what steps to take if they are a victim of identity theft

National Standards for Personal Financial Education

Spending

8c: Investigate common types of consumer fraud and unfair or deceptive business practices, including online scams, phone solicitations, and redlining
8d: Make recommendations for sources of help for consumers who have experienced fraud

Managing Risk

11a: Provide examples of how online behavior, e-mail and text-message scams, telemarketers, and other methods make consumers vulnerable to privacy infringement, identity theft, and fraud
11b: Describe conditions under which individuals should and should not disclose their Social Security numbers, account numbers, or other sensitive information
11c: Recommend strategies to reduce the risk of identity theft and financial fraud
11d: Explain the steps an identity theft victim should take to limit losses and restore personal security

Learning Objectives

Students will be able to:

Identify different types of identity theft, how they can occur, and the impact they can have on someone’s life
Take measures to protect their personal information
Understand current trends about identity theft
Outline what steps to take if they are a victim of identity theft

National Standards for Personal Financial Education

Spending

8c: Investigate common types of consumer fraud and unfair or deceptive business practices, including online scams, phone solicitations, and redlining
8d: Make recommendations for sources of help for consumers who have experienced fraud

Managing Risk

11a: Provide examples of how online behavior, e-mail and text-message scams, telemarketers, and other methods make consumers vulnerable to privacy infringement, identity theft, and fraud
11b: Describe conditions under which individuals should and should not disclose their Social Security numbers, account numbers, or other sensitive information
11c: Recommend strategies to reduce the risk of identity theft and financial fraud
11d: Explain the steps an identity theft victim should take to limit losses and restore personal security

Hundreds of thousands of peoples’ personal information is compromised every year in the United States alone. So, what exactly is identity theft, and how can it impact you? Watch this video to find out. Then, answer the questions.

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2a.

In a few sentences, explain how identity theft can impact a person’s life.

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2b.

Provide one example that illustrates the non-monetary costs of ID theft.

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2c.

What is one step you can take to protect your personal information?

Conduct research online to fill out the following information for each Type of Identity Theft

a. Description

b. How can this type of ID theft occur?

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3a.

Social Security Identity Theft

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3b.

Tax Identity Theft

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3c.

Medical Identity Theft

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3d.

Employment Identity Theft

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As we complete more of our transactions online, our personal information is increasingly subject to being stolen and used by identity thieves. Use this report to learn about the current trends on identity theft and answer the questions.

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4a.

What is the #1 type of identity theft, based on # of reports? Think of at least one reason why this type of identity theft is so much more common than others.

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4b.

Looking on page 14, what type of credit card fraud is the most common?

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4c.

Take a look at the graph on page 15. How would you describe the trends for each of the top 3 types of ID theft?

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As you’ve learned throughout this lesson, you can’t guarantee that you will be safe from ID theft even if you take all of the preventative measures. Watch this video and investigate the infographic to find out what you should do if you find your personal information has been compromised. Then, answer the questions.

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5a.

How can filing a report with the FTC assist you if you’ve been a victim of identity theft?

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5b.

Besides filing a report with the FTC, write down the 3 steps you should take if you believe your identity has been compromised.

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5c.

While some of these tips may not be applicable yet, what is one thing from the infographic list that a teen could consider doing today to help protect their personal information?

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6.

All of these are practical ways to protect your personal financial information EXCEPT…

Put a freeze on your credit if you’re not opening any accounts soon

Check your credit report at least once a year

Avoid using any online banking or shopping services

Create different passwords for different accounts

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7.

Which of the following is TRUE about identity theft trends in the U.S.?

The number of reported identity thefts has been declining over the past decade

Identity theft occurs to people of all ages, even children

The most common type of identity theft is bank fraud

Identity theft most often targets the elderly

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8.

Which of these is the BEST step to take after realizing your financial information may have been exposed while out shopping?

Dial 911 and report an emergency with the police department

Cancel all your credit cards and close your bank accounts

Call all the stores you visited to ask if they saw anyone or anything suspicious

Put a freeze on your credit and file an identity theft report with the FTC

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3e.

Child Identity Theft

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3f.

Criminal Identity Theft

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4d.

What type of ID theft occurs MOST often for people age 19 and under? How does this compare to the most common type of ID theft for the 20-29 and 30-39 age groups?

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4e.

Identify one key takeaway you have from looking at the latest identity theft trends.