APPLYING YOUR KNOWLEDGE Information Security Management

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APPLYING YOUR KNOWLEDGEInformation Security
Management

• MIS IN USE
• Chapter 11 , Pg. 363
• MGS 3040 03
• By William Brooks

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Purchasing your own Credit Report

• The cheapest and easiest way to get your credit
  report is online. US consumers are entitled to
  one free Credit Report a year.
• You will need to know your social security
  number, current address, current employment, and
  date of birth.
• The most known and trustworthy sites to purchase
  a credit are Transunion.com, Equifax.com,
  Experion.com.
• Those websites also offer other services, like
  credit watch, which they will notify you by email
  or phone to let you know of suspicious activity.
  Those services will cost extras fees to the
  consumer.

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Review Credit Report For Errors

• Look over and review your credit report
  carefully.
• If you find errors, please contact the major
  credit report agencies like Transunion.com,
  Equifax.com, Experion.com.
• Next call your credit card companies about
  purchases you didnt make. Call member services
  about fraud to your accounts.
• Cancel any accounts that have been tampered with.
  

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Identity Theft Precautions

• Identity Theft is a crime in which an imposter
  obtains key pieces of personal information, such
  as Social Security or driver's license numbers,
  in order to impersonate someone else. The
  outcome could lead to unwanted debt, criminal
  records, etc.
• Prevention is the most critical element in
  avoiding fraud.
• Shred anything that contains your name, address
  or other sensitive data before discarding -
  including invoices, receipts, statements,
  personalized letters, catalogs and pre-approved
  credit offers. Use a crosscut shredder for the
  best results.
• Protect your Social Security number Do not carry
  your Social Security card in your wallet. Avoid
  carrying cards that display your SSN, such as
  health insurance cards, unless needed to receive
  care.
• Use only trusted web sites for online
  transactions. Do not provide credit card numbers
  or personal information on any website if you
  aren't sure the site is authentic. Choose
  companies with secure transactions and strong
  privacy and security policies.

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Identity Theft Precautions (Cont)

• Despite all efforts to prevent identity fraud, it
  can still occur. The earlier it is detected, the
  easier it is to take action to stop it.
• Free annual credit reports Check your credit
  reports as frequently as possible at least
  twice a year. Under the FACT Act, U.S. consumers
  are entitled to one free credit report each year
  from each of the three major credit bureaus. For
  details, visit www.annualcreditreport.com.
• Be alert and take immediate action on the
  following
• Bills that do not arrive as expected
• Unexpected credit cards or account statements
• Denials of credit for no apparent reason
• Calls or letters about purchases you didnt make
• Correction Procedures Correcting the fraudulent
  activity is the final step.
• Close any accounts that have been tampered with
• Call our Member Service Center if you suspect
  fraud
• Keep detailed records of the incident

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REFERENCES

• TEXT BOOK USING MIS
• WWW.SEARCHSECURITY.COM
• WWW.AFFINITYFCU.ORG