Identity Theft

​Identity Theft is a crime in which an impostor obtains key pieces of personal identifying information (PII) such as Social Security numbers and driver's license numbers and uses them for their own personal gain. This is called ID Theft. It can start with lost or stolen wallets, pilfered mail, a data breach, computer virus, phishing, a scam, or paper documents thrown out by you or a business (dumpster diving). This crime varies widely, and can include check fraud, credit card fraud, financial identity theft, criminal identity theft, governmental identity theft, and identity fraud.

​Anyone who suspects their information has been compromised can obtain a free credit report as provided by federal law. By   visiting www.annualcreditreport.com , consumers can check their credit activity through one of the   three major credit bureaus to look for any unauthorized credit activity. Consumers are allowed one report from each of the three bureaus every twelve months. 

Identity theft laws in Arkansas:  


Credit Freeze Law in Arkansas


Freeze Law - House Bill 2215: 

  •  Effective as of January 1, 2008

  • Applies to identity theft victims with a valid investigative report, an incident report, or a complaint with a law enforcement agency.

  • Fee of $10 to place, temporary lift or remove.

  • To place a security freeze in Arkansas:
    www.consumersunion.org/pdf/security/securityAR.pdf
     

Arkansas Identity Theft Passport




Contacts in Arkansas 


Attorney General: Dustin McDaniel (D)

Write to: 
200 Tower Bldg., 323 Center St. 
Little Rock, AR 72201-2610 
Phone Number: (800) 482-8982 
Website:  www.ag.state.ar.us


Secretary of State

Website:  www.sos.arkansas.gov


Department of Corrections

Website:  www.adc.arkansas.gov/


Department of Human Services

Website: www.arkansas.gov/dhhs/homepage.html



CRAs and FTC


Equifax

PO Box 740241
Atlanta, GA 30374-0241 
Phone: (800) 525-6285
Website:  www.equifax.com


Experian

PO Box 9701
Allen, TX 75013-0949
Phone: (888 )397-3742
Website: www.experian.com


TransUnion

PO Box 6790
Fullerton, CA 92834 
Phone: (800) 680-7289 
Website:  www.transunion.com


FTC

Identity Theft Complaint Online Form




Connecting Your Computer to the Internet



Install a firewall to protect your information.  A firewall can be thought of as a traffic cop: it blocks traffic or permits traffic.   The most important thing to recognize about a firewall is that it implements an access control policy, either allowing or blocking specific outgoing and incoming traffic.   A firewall, when used properly, can prevent access by unauthorized external attempts to connect to your computer.   Without a firewall, crackers might be able to see some or all of your hard drive:    your tax records, the account numbers you placed in the computer for record-keeping, your bank information, even your letter to Aunt Mary.   Install a firewall and keep it ENABLED.

Warning:   Each program you load onto your computer, after installing your firewall, may open ports through the firewall.   Be careful to know and control what programs on your computer can access the internet.

Install reputable anti-spam and anti-virus software.  Most reputable anti-spam software programs today are also programmed to identify known spyware, possible malware threats and viruses, which could contain Trojan horses as well.  Many threats are delivered by email, specifically spam.  A good anti-spam program will help reduce your risk of inadvertently opening an email that contains a threat.

Note: Keep antivirus, spyware and malware protection, as well as anti-spam software, updated.  Do not ignore messages to update software.

​Keep your anti-virus, firewall and operating systems updated.  Set your computer to update the Windows system automatically for critical updates.  This procedure can be set to run during the night or whenever you please, but it should be set to automatic updating.  Set antivirus software to update daily, so that when it scans (either scheduled scan or real time scan), it is running with the most recent virus information.  Do NOT let your antivirus subscription run out!   Many users with cable companies or DSL companies may find that those companies will provide free antivirus software!  After all, they don't want you on their network spreading a virus to all their other customers.  Check with your provider about what they offer!  If you see a "time to update" notice sent by the supplier of your operating system, verify that it is authentic and then do so.

​Be certain of BOTH the source AND content of each file you download!  Don't download an executable program just to "check it out."  If it's a Trojan Horse virus, the first time you run it, you're already infected!  In other words, you need to be sure that you trust not only the person or file server that gave you the file, but also the contents of the file itself.

Trojan: Trojan attacks pose a serious threat to computer security. In today's computer world, a Trojan is a malicious, security-breaking program that is disguised as something benign, such as a screen saver, game or joke.  It might send itself to everybody on your email address book or IRC channel, erase or modify your files or download another Trojan horse program designed to steal your passwords.  Many Trojans also allow hackers to take over your computer and "remote control" it.  Trojans have become more sophisticated in recent years, as hackers use them to scan your system for vital information (credit card numbers, SSNs, bank account numbers), and use the retrieved information to open accounts, run up huge credit card debt, or drain the bank accounts of unsuspecting victims.  Trojans can be spread in the guise of literally anything people find desirable, such as a free game, nude picture, MP3 song, etc.  You might have downloaded the Trojan from a website or file transfer without even knowing it.  That is why it is important to always know what you are downloading and who is sponsoring the program. Remember that a virus or Trojan might cause your friend's computer to automatically send you the questionable file.    Many viruses and Trojans are sent from unknowing friends who contacted the virus, which then used their email addresses to send it to....YOU!  In general, there is no reason for even a friend or colleague to send you an executable (.exe, .com, .pif, etc.) file.  When in doubt, ask them first before opening the attached file.   Be aware that "free" programs or spam might also contain a troublesome file.  If you download commercial games or other software from unknown shareware sources or "spam," it's just a matter of time before you fall victim to a Trojan or virus.

Be cautious of dealing with pop-ups.  This is a perfect place to plant a virus or Trojan program.  You never know who wrote the program, or that person's intent.  If you don't know the supplier, do not allow it to run or install!

Beware of hidden file extensions!  Windows by default hides the last name extension of a file, so that innocuous-looking picture file, "susie.jpg", might really be "susie.jpg.exe", an executable Trojan!  To avoid being tricked, unhide those pesky extensions, so you can see them.  This is an option selected in Windows Explorer under Tools\Folder Options\View.    Make sure to "Apply to all folders."  That way the final extension will show in all programs.  Also, your antivirus software should spot misnames file trick.  Your AV software IS up to date, isn't it?

Don't be lulled into a false sense of security just because you run anti-virus programs.  Many anti-virus programs do not protect against all viruses and Trojans, even when fully up-to-date.  It's a race between the virus creators and the anti-virus cures.  You need both virus protection and firewall programs to be fully protected against hackers and intruders.

Virus: A dangerous computer program with the characteristic feature of being able to generate copies of itself, and thereby spreading. Additionally most computer viruses have a destructive payload that is activated under certain conditions.    It may also be able to infect other programs on the same computer.  Viruses can do serious damage, including erasing files or an entire hard drive.  Others may just do silly or annoying things such as popping up in a window that says, "Ha, ha, you are infected!"  Viruses are transferred by electronic contact and usually are attached to a data file.  You send it to a friend or co-worker by sending a file or an email that contains the virus.  Typically you need to open an infected file to activate the virus, or sometimes an infected web site page.

If you are an online multi-gamer type, do not publish your I.P. address on websites or newsgroups, unless you are very sure that you are fully protected.  You would be much better off logging into others' game servers, instead of inviting others to log onto your game server at a precise I.P. address.

Warning:  Providing a precise I.P. address may allow others to get inside your firewall.

Backup your system!  One of the best ways to protect yourself in the result of a virus attack is to have a clean set of backup disks/tapes/CDs that will fully restore your system (without the virus) and the applications you are using.    Too often, home computer users fail to protect themselves in this manner.  With CD burners and accompanying software being relatively inexpensive, a full system backup can quickly restore your computer in the event that your hard drive has to be reformatted.    If you have the ability, USB backup drives are now available for about $200 which come with backup software, and can schedule backups at your required times.  This is a much more convenient method of getting good backups, and can be scheduled for once a week or so to automatically do a new backup.

​Turn off your computer when not in use.  If you are not connected to the Internet, because your computer is off, you cannot be infected, hacked or hijacked.

Use common sense. When in doubt, assume the unknown attachment is a virus.    Pay attention to virus alerts.  Don't even consider trying to outsmart those who have created these malicious programs.  Reconsider storing personal information in your computer. Instead, transfer it to a CD and use the CD when you need the information.  This is especially true of passwords, Social Security Numbers, tax and financial records.

Additional Definitions:


Worm: Like a virus, a worm is also a program that reproduces itself.  Unlike a virus, however, a worm can spread itself automatically over the network from one computer to the next without attaching itself to another file.  Typically worms do not destroy a computer or files.  They just take advantage of automatic file sending and receiving features found on many computers.  However, a worm can send a virus through your computer to others using this auto-send feature.

Hacker/Cracker:  When used properly, "hacker" refers to an elite breed of "good guys" who are talented computer programmers.  They enjoy solving challenging problems or exploring the capabilities of computers.  Like a carpenter wielding an axe to make furniture, the hacker does good things with his skills.  True hackers subscribe to a code of ethics and look down upon the illegal and immoral activity of crackers (defined below).  When the press uses "hackers" to describe virus authors or computer criminals who commit theft or vandalism, it is not only incorrect, but also insulting to true hackers.  The correct term for a hacker that uses this skill for criminal purposes is "cracker."

​Firewall:  A firewall is a device, either software or hardware driven, that enforces an access control policy between two networks.  A computer connected to an Internet Provider (Internet Connection), for instance, represents a bridging of two networks.  A firewall can be thought of as a pair of guards: one blocks traffic and the other permits traffic.  Some firewalls place a greater emphasis on blocking traffic, while others emphasize permitting traffic.  The most important thing to recognize about a firewall is that it implements an access control policy.  That means you have control over what program or website is allowed to mingle with your computer.    Even if you are unsure as to what kind of access you want programs or websites to have to your computer, it is vital - if you are a cable modem or DSL user - that you employ a firewall.  Most firewalls manufactured today come with pre-set recognitions of those popular programs that most folks tend to have on their computers.  Therefore, they take much of the guesswork out of a user having to determine what programs should communicate via the Internet (and either send or receive information) or not.  Even dial-up Internet users, if they intend to remain online for hours on end, should have some sort of firewall protection.  For such folks, there are a good number of free firewall programs available to suit their needs.

​Software-driven firewalls:  A software firewall is okay for one computer connected to the web.  Windows XP includes a limited firewall.  You should consider whether or not this is sufficient protection.   If not, replace it with a stronger firewall software program. There is a free software firewall available from www.zonelabs.com .  It is easily configured and can be tailored to meet your needs.  Symantec/Norton, McAfee, and others also have software firewalls available in packages with their antivirus programs.  These will be somewhat less expensive than hardware firewalls discussed below, but will require some of your computer resources to operate, and are generally more complex than a hardware firewall.

Hardware-driven firewalls: If you have a small home network (two or more computers) you should look at a hardware-based firewall. A hardware firewall is superior to software solutions because a computer (directly connected to the cable modem or DSL) running firewall or other protection software is still visible on the Internet.  If, however, a hardware firewall is used, the computer(s) are shielded from direct connection to the Internet, and that makes it more difficult for an outsider to directly attack the computer.  There are several good hardware solutions available.  These devices provide a lot of protection for multiple computers for a relatively low cost.

Jumping on the direct connection bandwagon can be safe and fun as long as you protect yourself adequately from unwanted intruders by using either a software or hardware firewall, practicing safe techniques and keeping virus protection updated.