IDENTITY THEFT by ClaireMcKernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7 By Claire McKernan and Jamie Ly en-us 2020-11-05 22:19:35 UTC 2025-11-22 10:39:35 UTC hello@padlet.com https://padlet.net/icons/png/1f62f.png Website #1 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896113015 By Claire McKernan

The Canadian Banker's association delivers tips about learning the signs of identity theft and what actions to take when it happens. Basically if you are contacted by your credit card company, a creditor or collection agency with false information regarding your accounts you should report this activity immediately to authorities. You need to be vigilant and immediately cancel accounts, and contact credit companies.

Watching out for signs of identity theft is crucial in catching it early before identity becomes completely compromised. I chose this website because it is a great resource for the steps to take if you become a victim. Everyone's instinct is to panic and cancel all accounts but the next steps of notifying police and setting up a secure network so it won't happen again is key to preventing identity theft.

]]> 2020-11-05 22:25:58 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896113015 Video #1 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896744604 By Claire McKernan

Three helpful tips are introduced in this video that can help the viewer avoid becoming a victim of identity theft. Guarding against identity theft by using different passwords for all personal accounts is the first step. The secondary step is to discover identity theft sooner rather than later. Lastly the third tip is to place a fraud alert on your accounts since it will notify you when strange purchases are made and flag them for you before your identity is stolen.

I found this video to be interesting because it shares how important it is to act fast and check on your finances frequently. I do check mine regularly, but I didn’t realize there are ways to check your credit score online and thieves can find a way to infiltrate your accounts that way. I enjoyed the way they shared the information in a step by step process, it made it clear for viewers to take the natural steps to avoid identity theft.

]]> 2020-11-06 05:03:59 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896744604 Website #2 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745452 By Claire McKernan

The Office of the Privacy Commissioner of Canada summarizes the do's and don't of protecting your identity. Before you share information with others ask yourself questions as to whether it is necessary. By monitoring your online banking, discarding mail appropriately, carrying essential identification, avoiding phone scams, and being vigilant online you can protect your identity.

I chose this particular article because it is important to know the risks you take when you do not keep your personal finances private. Asking yourself essential questions can really make a difference in what you do or don't share with potential criminals. It is important to understand that steps need to be taken in order to avoid becoming a victim.]]> 2020-11-06 05:04:51 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745452 Video #2 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745651 By Claire McKernan
The following video describes 12 tips to protect yourself from becoming a victim of identity theft. The first 4 steps discuss ways to avoid identity theft in public; use a mobile app to pay, limit the number of cards in your wallet, and swipe or tap your own card. The next 4 steps include: being aware of the potential threats to online identity. Do not give out important information over the phone or the internet without authorization or give any copies of legal documents to unknown parties. It is also important to shred, update contact info, check all your finances actively and get fraud alerts. 

The tips listed in this video helped me personally realize the steps I take to ensure my identity is not stolen. I am well aware of scams on the phone and internet, I avoid giving out any personal information to third parties. I always shred my old credit cards and I actively check my bills for suspicious activity. This video reiterated to me that I am comfortable in protecting my identity from being stolen.

]]> 2020-11-06 05:05:03 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745651 Video #3 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745756 By Jamie Ly
This video demonstrates how important it is for cashiers to recognize signs that someone could have stolen someone's identity. The man in this video is going on a massive spending spree and does not seem to care about sales or what he is spending the money on. He also wants to get the items and get out as fast as he could. This is a big red flag. 

I believe if a customer is making a payment with a credit card their identity should be checked to ensure it is not identity theft and/or fraud. This video suggests to look if the signatures match on the credit card and on the receipt. In this case it is both identity theft and fraud because he is stealing someone else's identity to commit a fraud. It's interesting how easily thieves can get our information from one transaction.]]> 2020-11-06 05:05:09 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745756 Website #3 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745850 By Jamie Ly

The Government of Canada advises to protect yourself from identity theft by understanding the consequences and minimizing risks. One of these is phishing.
A large amount of people fall for phishing scams. These situations are common and involve someone pretending to be a part of a well known company by email, phone calls, websites, or other methods to request for your personal information.

Usually, if someone is being phished, it could be from someone on the phone who called and said that they need your credit card information - maybe to make a payment for the house right away or the electricity will be cut for the whole month. They make up fake situations to make the person feel like they are at risk and need to act quickly. So many people fall for these scams and give their personal information and then have lost their identity to someone. We need to be cautious of scammers and not let ourselves be phishing victims.]]> 2020-11-06 05:05:14 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896745850 Website #4 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896746035 By Jamie Ly

This website states that although Canadians have at least one action they do to protect their personal information, they may need to do more than just that. It also states that credit card frauds are on the rise - 42% higher since 2017 to 2019. Even more surprising is that millennials are less likely to practice protecting their personal information. Thus, this website suggests that everyone should be doing these things:
1) Double check bank statements and do it regularly
2) Use a cross-cut shredder
3) Regularly update passwords
4) Install and update security software on personal computers
5)Recognize phishing scams]]> 2020-11-06 05:05:27 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896746035 Image #1 : Proceed with caution clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896748584 By Claire McKernan

This image depicts the steps to take immediately after discovering that someone has stolen your credit card information. In order for a thief to not steal your identity further you should take the following steps depicted in the image:
1) Remain calm
2) Review your transactions and notify the bank
3) Call the police
4) Notify the credit card bureau
5) File a statement
6) Keep an eye on your assets
]]> 2020-11-06 05:08:16 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896748584 Identity Theft Explained by Claire McKernan & Jamie Ly clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896750960 We will explore valuable information and introduce helpful tips to keep you protected from identity theft!

Identity theft and identity fraud is a criminal offence. Identity theft is stealing a person's personal information (i.e., credit card number, SIN, address and etc). Identity fraud is when stolen personal information is being used to complete purchases on one's behalf. 

Being aware of what these situations are and how to handle and report these situations in Canada is important in personal, financial, medical and other aspects of your life. 

We hope these videos, websites, and images help you to protect your identity and your future.

]]> 2020-11-06 05:10:47 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896750960 Video #4 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896779219 By Jamie Ly

This CBC Marketplace video shows that most people think they are taking extra precautions in protecting their personal information. However, this video proved that thought wrong.The CBC journalist went to several houses to notify people of their identity being stolen and they were all shocked. One woman even said she was taking extra precautions in protecting herself because she had her identity stolen before. They also tested various credit card companies and the results concluded that not all the credit card users were notified about the possible fraud. 

Sometimes it is difficult to 100% protect someone’s identity - even if we are taking extra precautions! I think it is good to research a credit card company before you get one because you want to make sure it is reliable and safe.]]> 2020-11-06 05:41:11 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896779219 1. What did we learn that surprised us the most? 2 . Provide a real-life example of how this topic is relevant or interesting for you? 3. If you could pass on your knowledge to a family or friend, what do you think is the most important thing to pass on? clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896784247 2020-11-06 05:45:40 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896784247 Image #2: Statistics clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896798467 By Jamie Ly

Listed are some identity theft and fraud statistics:
1) 1 in 5 people lost money from identity fraud scams
2) Younger people are affected more than older people
3) People aged 70+ had a higher median loss than younger people
4) Credit card fraud is rising by 23%
5) There are over a million fraud reports]]> 2020-11-06 06:01:07 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/896798467 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/900423026 2020-11-07 20:11:13 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/900423026 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/900428018 1. I learned that I am currently in the millennial category and that my generation supposedly is at a higher risk of being affected by identity fraud. I also learned that a lot of people are affected by fraud and they may not even know that they're affected, which is really scary. But, now I have the knowledge to take steps in protecting myself and knowing who to call.

2. This topic is interesting to me because I had to personally deal with debit fraud about 7 years ago. When I first started using a debit card I never checked my bank account regularly. I didn't have a lot of money in my bank so I never thought about it much. 

One day I was paying for food and my card was declined. When I came home and checked my bank account online I realized that for almost 6 months there were transactions on my account that I had never even made of up to $2,000 in withdrawals or paid to "Old Navy" and other random places. I never shopped there so I knew it wasn't me. 

Luckily, I was able to retrieve back all my money. I took precaution in my protecting my identity and bank account after that incident. I changed my debit card, password, and everything. Now I check my bank accounts almost every day! 

3. If I could pass on my knowledge to a family member or friend I would tell them that when they get their own debit or credit card to take precautions in protecting their identity! I would list some of the simple things I learned from the resources like to  always check their bank accounts and make sure that there are so suspicious activities;  change passwords every few months; and to call someone immediately. 

It is important to know about identity fraud earlier rather than later. I wish I had known before I was affected by debit fraud. Knowing this information as well about who to call and what else to do would have saved a lot of stress! However, if this happens again, I will be prepared in what my steps to take are.
]]> 2020-11-07 20:16:29 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/900428018 clairemckernan https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/900431100 1. I think I was most surprised at how much information/ tools are out there to help you keep your identity safe. We need to utilize more of it and be more aware as a society. 

2. This topic is interesting to me because my cousin was a victim of identity theft and she had to make many calls and do lots of paper work in order to get her finances and credit score back in order. I realized she is not an anomaly and many others are victims of identity theft.

3. I think the most important thing to know about identity theft that I could share with someone else is to be mindful of what you put on the internet. Shop online wisely, do not use the same password for everything. Even if you trust your partner or best friends with passwords keep them to yourself because sharing them may turn out bad in the end.]]> 2020-11-07 20:19:46 UTC https://padlet.com/clairemckernan/aej39bzz2il1mzg7/wish/900431100