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From YouTube: Senior Moments Identity Theft 2015
Description
San Bruno's Senior Moments Identity Theft
2015
A
A
B
B
A
global
crime,
but
it's
probably
hit
America
more
than
any
other
country,
simply
because
of
the
way
America
is
built
at
the
social
security
number.
For
example,
it's
it's
become
a
secret
key,
a
unique
identifier,
so
once
thieves
get
that
they
have,
you
know
it's
like
the
keys
to
the
kingdom.
So
America
seems
to
be
suffering
from
this
crime
more
than
any
other
country
on
the
planet.
To.
B
Of
the
countries
don't
have
the
the
equivalent
or
don't
use
it
as
a
financial,
identify
ER
and
that's
the
key,
it's
kind
of
as
though
the
financial
industry
couple
of
decades
ago
hijack
the
social
security
number
and
said
as
long
as
you
have
that
you
are,
who
you
say
you
are,
we
believe
you
are
who
you
say
you
are,
we
will
grant
you
endless
instant
credit
and
that's
the
attraction
for
these.
What.
B
I
started
back
in
the
late
70s
early
80s
in
cybercrime
back
there
was
called
computer
security
I.
Remember
telling
my
mother
that
I
went
to
market
in
college
and
I.
Remember
telling
her
so
excited
I'm
going
into
computer
security
mom
and
she
said
that's
great
son
number,
nine
and
what's
a
computer
I
mean
there
was
no
internet.
There
was
no
email,
but
I
had
this
sense
that
computers
would
be
big
and
for
some
reason
that
the
protector
wouldn't
be
big,
and
lo
and
behold,
I
was
right,
but
35
years
too
early.
What.
B
On
everything,
from
community
education
to
victim
support,
I,
trained
law
enforcement,
I
interview,
identity,
thieves,
some
of
them
in
prison
to
get
a
better
idea
of
what
makes
them
tick
and
what
we
as
consumers,
can
run
for
them.
I
advise
governments,
advise
big
corporations,
I
sit
a
number
of
task
forces,
so
really
my
goal,
and
my
primary
role
is
on
the
the
people
security.
B
A
B
And
the
whole
idea
was
victims
of
identity
theft
typically
have
no
one
to
turn
to
it's
the
single
biggest
crime
in
America.
It
claims
more
than
a
million
new
victims
every
30
days.
So
that's
one
every
two
seconds
and
most
of
them.
The
first
thing
they
do
is
go
to
local
police
or
sheriff's
department,
but
police
are
so
overwhelmed,
they've,
really,
no
good
news
for
them.
B
So
some
local
law
enforcement
asked
me
if
I
would
counsel
victims
free
of
charge,
help
them
get
through
it,
and
so
one
city
in
Hayward,
California
led
to
another
and
we're
now
up
to
about
a
hundred
cities
and
working
across
the
country
in
providing
kind
of
a
safety
net
for
victims,
a
hand
to
hold
training
law
enforcement.
So
they
know
better
how
to
react
to
victims
and
support
them
and
really
ultimately
trying
to
focus
on
prevention
through
education.
B
That's
a
very
good
question:
actually,
what's
the
definition
of
identity
theft,
because,
strictly
speaking,
a
lot
of
the
stuff
that
we
hear
about
it
that
we
go
through
is
not
exactly
identity
theft,
for
example,
if
someone
gets
your
credit
card
number
and
they
run
up
some
charges,
that's
technically
considered
credit
card
fraud.
It's
not
that
someone
has
taken
your
person.
B
It
can
be
someone
getting
your
personal
information
on
opening
up
new
accounts
in
your
name,
so
they
could
take
out
a
new
credit
card
or
maybe
a
macys
our
best
by
card,
or
maybe
they
want
to
pay
for
the
utilities,
the
PG&E
using
your
name,
or
they
simply
want
to
steal
money.
They
want
to
get
into
your
bank
account.
They
could
steal
your
existing
credit
card
to
start
running
up
charges.
B
They
could
steal
your
checks
and
start
writing
checks
in
your
name
right
through
to
filing
taxes,
using
your
identity,
applying
for
Social
Security
benefits
applying
for
a
job
using
your
name,
although
to
be
honest,
most
of
these
don't
work,
they
already
have
a
job
in
which
is
stealing
your
identity.
Add
to
hiding
using
your
identity,
for
example,
if
they're
pulled
over
by
the
police,
they
give
your
social
security
number
and
suddenly
now
you
have
a
criminal
record
in
your
name.
So
it's
an
enormous
number
of
crimes.
B
B
All
in
danger,
and
two
weeks
after
that,
another
11
million
Social
Security
numbers,
so
we're
getting
to
a
point
that
the
social
security
number
of
everyone
in
America
will
be
in
the
hands
of
criminals.
So
criminals
don't
have
to
make
this
stuff
up
they
simply
by
this
stolen
information
of
other
criminals
and
go
to
work
on
it.
The
only
good
news
is
there's
now
so
much
stolen
information.
It
might
take
the
crooks
a
while
to
get
you
so
be
patient.
They've.
B
Will
certainly
do
and
the
death
register
contains
the
information
of
all
individuals
with
passed
away,
and
you
can
search
it
yourself.
You
can
download
from
it
and
there
are
apparently
millions
of
dead
people
out
there
with
and
still
living
in
other
people's
bodies
and
generally
identity
thieves
who
are
running
up
vast
amounts
of
credit
in
the
names
of
the
deceased.
Do.
A
B
B
A
B
B
B
One's
really
chasing
them-
and
this
is
this-
is
the
whole
one
other
day
the
reasons
identity
theft
is
such
an
attractive
crime
for
crooks.
If
you
think
about
it,
it's
very
easy
to
do.
You
can
do
it
from
the
safety
of
an
armchair.
You
know,
instead
of
being
armed
with
a
crowbar
a
gun
you're
on
for
the
cup
of
coffee.
Yes,
you
could
do
it
from
the
other
side
of
the
world.
You
can
hide
and
mask
your
your
computer's
IP
address
and
things
like
that.
B
San
own
contract,
you
you
can
make
an
awful
lot
of
money
out
of
it.
We
know
thieves
who
have
made
millions
out
of
this.
We
know
thieves
who
have
you
know:
Aaron
50,
60,
70
thousand
dollars
a
month.
Working
a
few
hours
at
home
and
law
enforcement
are
not
investigating
or
chasing
this
criminal.
So
if
there's,
if
you're
making
so
much
money-
and
it's
so
easy
and
no
one's
chasing
you,
what
are
you
going
to
do?
You're
going
to
do
it
again
and
get
better?
B
B
Quite
often
they
make
mistakes.
We
dealt
with
what
we
believe
at
the
time
and
still
do
is
America's
most
dangerous
identity.
Thief
he's
been
doing
it
for
30
years,
he's
a
former
hacker
who
worked
for
the
NSA.
He
worked
for
cisco
systems,
so
it's
highly
technical
but
he's
also
a
brilliant
mind.
He's
a
sociopath,
very
meticulous.
B
He
made
a
mistake
eh.
He
was
caught
in
wine
country
in
Sonoma
and
he
was
caught
by
a
wine
cup
on
a
Friday
afternoon
on
the
very
last
day
of
his
job.
As
a
patrol
officer
the
following
Monday,
he
was
going
to
become
a
detective.
He
never
come
across
a
identity
theft
before
and
yet
he
stumbled
across
in
a
parking
lot,
a
guy
who
was
acting
suspiciously
in
the
car
and
the
guy
tried
to
talk
his
way
out
of
it.
B
His
name
is
Ray
and
he
was
such
an
interesting
and
a
captivating
character.
I
can't
say
I
admire
because
he's
a
criminal
who,
you
know,
harmed
a
lot
of
people,
but
he
was
so
interesting.
We
made
a
documentary
about
a
man,
it's
called
in
the
company
of
thieves.
You
can
find
it
on
our
website,
identity,
theft,
council,
org,
and
it
sits
down
with
him
and
other
thieves
in
jail
in
Sonoma
County.
B
Where
he's
serving
a
lengthy
sentence
which,
by
the
way,
is
relatively
rare
for
identity,
thieves,
I,
don't
know
if
it
was
a
guilt
or
or
pride,
wanted
to
share
what
he
had
learned
over
30
years
as
an
identity
thief
and
how
he
is
able
to
manipulate-
and
this
is
the
key
to
identity
theft.
It's
about
manipulating
the
system.
It's
about,
manipulating
security,
it's
about
manipulating
people
into
making
them
do
things
that
are
not
in
their
interest
and
don't
benefit
them,
but
create
opportunities
for
it.
Well,.
B
That's
what
that's,
what
crooks
play
on
the
did?
The
really
good
identity
thieves
are
great
social
engineers,
so
they
can
spot
an
individual
and
almost
instantly
size
them
up.
I
mean
the
most
obvious,
is
a
senior
and
seniors
and
the
elderly,
and
there
are
just
different
generation.
They
come
from
different
time
and
place.
They
come
from
a
time
where
they
they've
been
taught
that
it's
it's
polite
to
trust,
just
unless
you
have
a
reason
to
think
otherwise.
Identity,
thief,
spot
those
individuals
and
they
prey
on
them,
and
they
they
create.
B
What
are
called
trust
points,
so
they
imagine
well.
What
would
that
individual
want
to
hear
from
me?
That
would
make
them
trust
me.
So,
for
example,
they
pretend
that
from
the
government
or
they
pretend
from
the
IRS
or
the
Social
Security
Administration,
so
they
use
that
position
of
authority,
for
example,
to
gain
the
trust,
because
the
individuals
don't
want
to
you
know
ignore
a
call
from
the
IRS
or
from
the
Social
Security
Administration.
B
So
they
tend
to
be
victimized
a
little
bit
more
and
quite
often
too,
because
the
thieves
know
that
they
they
either
don't
have
anyone
to
turn
to
or
they're
too
proud
to
admit
that
these
being
the
victim,
they
don't
want
to
admit
that
they
fell
for
something
that
in
hindsight
was
obvious.
So
we
always
urge
them
come
to
us
first
and
most
because
we
can
reassure
you
that
your
instincts
are
right
if
you're
suspecting
people
and
if
you
get
that
email
of
that
phone
call,
we
can
let
you
know
pretty
quickly.
B
B
B
A
B
What
you
type
they
can
get
your
email
password
as
you
type
at
the
ultimate
goal
in
many
cases
to
get
access
to
a
bank
account,
so
they
can
move
money
out
of
it.
But
in
many
of
the
scams
older
looking
for
is
your
credit
card
number,
so
they
will
claim
to
fix
a
problem
that
you
don't
have
and
there's
always
a
thread
underneath.
If
you
don't
do
what
we're
asking
something.
Bad,
that's
going
to
happen
to
your
computer
right,
learn.
B
A
B
Amazing,
what
a
great
weapon
rudeness
has
become.
You
know,
I
got
a
you
know,
society
has
changed,
people
used
to
be
more
trusting,
they
shouldn't
have
people
used
to
be
more
polite,
be
rude
in
certain
circumstances,
it
could
save
you
a
lot
of
grief
and
money.
Be
hang
up
that
phone.
The
IRS
will
never
call
you
they'll.
B
Or
Microsoft
Microsoft
they
might
love
is
a
customer,
but
they
don't
really
know
you
exist
now,
because
you
you
disappear
into
the
woods
with
so
many
of
them
other
customers,
but
you
have
to
be
rude
at
you
know
you
get
an
email
demanding
or
threatening
you
all
money.
You
took
out
a
payday
loan.
You
feel
free
to
delete
it.
If
it's
genuine
they'll
write
to
you,
they'll
go
through
a
legal
process.
C
So
if
you
get
the
phone
call
that
says
that
you
have
just
won
a
trip
for
you
and
four
of
your
friends
or
for
you
and
someone
else
and
and
all
they
need
is,
you
know
check
for
one
hundred
and
fifty
dollars
and
your
social
security
number.
That's
probably
too
good
to
be
true,
and
that's
one
of
these,
certainly
you
know
we
hope
your
common
sense
would
kick
in
and
that
you
would
realize
that.
That's
probably
not
how
that's
going
to
happen
so
be
very
vigilant
about
receiving
that
type
of
phone
call.
C
Never,
should
you
ever
give
anyone
your
social
security
number
over
the
phone?
Never,
should
you
blindly
send
money
or
a
credit
card,
or
something
like
that
to
a
company.
It
was
basically
soliciting
you
saying
that
you
won
something.
Those
are.
Those
are
telltale
signs
of
something
bad.
That's
likely
not,
you
know
a
good
thing.
The
other
phone
scam
that
we're
seeing
today
would
be
the
one
where
it
is
suspicious.
There's
something
that's
just
not
right.
Please
allow
your
conscience
to
be
your
guide
there.
C
So
if
you
receive
the
phone
call
at
ten
eleven
o'clock
at
night
or
whatever
time
in
the
morning
saying
that
your
grandson
or
your
son
or
a
friend
or
someone
that
you
know
has
less,
they
been
incarcerated
somewhere
and
they
need
money
for
bail
or
they
are
broken
down
on
the
side
of
the
road
somewhere
and
there.
You
know
they
need
some
cash,
and
could
you
please
help
them
if
you're
receiving
this
call
from
a
third
party,
there's
probably
something
wrong
there.
C
That's
not
generally
the
way,
something
like
that's
going
to
go
now,
not
to
say
that
it
couldn't
be
true,
but
please
verify
trust
but
verify
make
sure
that
you
reach
out
to
someone
who
knows
where
that
family
member
might
be
and
determine
hey.
Are
they
really
in
Mexico,
and
is
there
a
chance
that
they're
stuck
at
the
border
if
they're
not
in
Mexico,
then
you
know
that
that's
not
true.
These
phishing
scams
where
people
are
just
trying
to
take
money
from
you,
which
is
their
ultimate
goal.
A
A
B
One
thing
that
we
always
advise
as
your
best
defenses
to
slow
down,
because
when
you
get
one
of
these
calls,
when
you
get
one
of
these
threats,
you
can
panic
and
you
really
want
to
be
as
helpful
as
possible
or
get
past
it
as
quickly
as
possible.
We
just
hit
take
a
deep
breath,
slow
down.
Who
did
you
say
you
are?
B
Where
are
you
calling
from
and
that's
okay
I'll
call
you
back
on
the
number
that
I
have
for
you
and
if
they're,
genuine
they'll
be
okay
with
that
mm-hmm,
the
tell-tale
sign
that
the
not
genuine
is
that
they
get
a
bit
panicked
or
they
start
to
threaten.
Oh,
no,
you
can't
call
us
back.
You
have
to
deal
with
it
now
we're
going
to
cut
off
your
electricity.
Now,
just
hang
up
be
rude.
It
could
be
your
best
defense.
How.
B
Usually,
you
know
that
you've
been
a
victim
when
you
get
bad
or
disturbing
or
suspicious
news,
typically
for
an
identity,
theft
victim
it's
either
someone
comes
looking
for
money
or
someone
denies
them
something,
and
so
it
could
be.
For
example,
you
get
a
call
from
a
debt
collector
saying
you
haven't
paid
your
capital,
one
credit
card
bill.
You
owe
us
money
and
you
don't
have
a
capital
one
card,
so
you
don't
know
what
they're
talking
about
or
you
apply
you
you,
you
file,
tried
to
file
for
your
taxes
and
the
IRS
says
no.
B
Someone
already
did
or
the
social
security
administration
calls
and
said
we're
cutting
off
your
benefits
because
you
have
50,000
and
unclaimed
income
or
I
undisclosed
income,
and
it
turns
out
that
thief
has
been
working,
use
your
information,
so
usually
you
find
out
long
long
after
the
crime
has
occurred
and
then
you've
got
to
try
and
figure
out.
Well,
what
do
I
do?
How
do
I
prove?
It's
not
me.
How
do
I
get
this
off
my
credit?
How
do
I
fix
my
social
security
benefits
and
that's
when
it
gets
frightening
for
the
consumers?
How.
A
B
Day
right,
you
in
the
case
of
tax
fraud,
you'll
simply
get
a
letter
from
them
and,
if
you're
applying
by
mail,
if
you're
filing
your
taxes
by
mail,
saying
sorry,
you've
already
done
it
or
if
you
file
online,
it
will
be
rejected
automatically
the
same
with
the
Social
Security
Administration.
They
will
write
you.
They
will
put
it
in
writing
saying
either.
You
owe
this
or
you're
being
denied
this.
So
at
least
you
have
it
in
writing.
B
A
B
B
Received
something
just
the
other
day,
I
from
a
cruise
company
saying
that
I
had
a
just
won
a
free
cruise
after
myself
on
one
person
for
three
days
and
the
hope
was
if
I
accepted
the
cruising
I
liked
it,
I
would
buy
another
cruise,
it
turns
out,
it
was
a.
I
did
some
research
on
it.
It
was
a
scam,
they
were
looking
for
some
money
for
a
deposit,
and
but
I
couldn't
tell
it
from
the
real
thing
I
received
a
lot
of
solicitations
from
these
cruise
lines.
It
was
so
convincing
if
so
expertly
done.
B
B
A
B
B
A
computer-
and
there
are
scams
targeted
at
your
phone
there
there's
malware
and
computer
viruses
that
targeted
at
your
phone
so
either
having
a
phone,
makes
you
vulnerable,
but
you
don't
have
to
own
a
computer
or
use
the
internet
to
be
funnel,
but
because
the
thieves
are
stealing
information
from
other
computers
and
the
computers
of
companies
that
you
might
have
a
relationship
with
like
a
utility
company
or
a
credit
card
company
and
then
they're
using
that
information
to
steal
your
identity.
So.
B
As
you
have
ever
existed
on
this
planet,
you
are
vulnerable,
dead
or
alive.
You
don't
need
to
have
access
to
the
Internet.
You
don't
need
to
use
a
computer
as
long
as
you
have
existed
on
this
planet.
There
will
be
information
about
you
and
they
will
at
some
point
get
their
hands
on
that
information.
Your
job
is
to
reduce
the
likelihood
that
they
will
use
it
against
you
or
detect
it
early
enough,
so
that
you
reduce
the
damage
so.
B
The
best
advice
I
can
give
it's
the
best
word.
You
can
remember
they,
the
most
powerful
technologies,
large
right
between
your
ears,
your
own
vigilance.
It's
this
idea
of
slowing
down
thinking
security
first,
if
it
doesn't
sound
right
if
it
sounds
too
good
to
be
true,
either
slow
down
and
double-check
it
or
nine
times
out
of
ten
you're
going
to
be
right
to
just
ignore
it.
Let's.
C
At
some
point,
and
your
credit
card
leaves
your
view,
it
leaves
your
hands
there's
a
potential
that
the
person
who
is
receiving
that
card
may
have
some
nefarious
or
other
things
that
they
may
be
doing
with
those
cards
using
a
skimmer
which
is
a
tool
that
that
allows
a
person
to
basically
swipe
your
credit
card
in
and
immediately
obtains
the
information,
that's
encoded
or
embedded
in
the
strip
of
the
card,
and
then
they
sell
that
information
to
would-be
thieves.
Who
then
share
that
information
with
folks?
Who
do
that?
C
Some
other
things
that
you
should
consider
or
would
that
would
be
ways
that
your
identity
could
be
stolen,
is
information
that
you
basically
throw
away
that
you
leave
subject
to
anyone
out
there
who
is
looking
for
an
opportunity.
So
we
would
encourage
you
to
shred
items
if
you
get
the
pre-approved
credit
card.
If
you
have
information
that
has
your
social
security
number
and
date
of
birth,
those
are
items
that
shouldn't
be
going
into
your
garbage.
C
Those
items
need
to
be
shredded
or
destroyed
in
some
way,
so
that
those
items
cannot
be
used
at
some
point
to
create
an
identity
using
part
of
your
information.
A
lot
of
what
we're
seeing
today
is
I
may
have
your
name
and
someone
else's
date
of
birth
and
then
I
create
that
identity
using
that
information
and
then
the
reason
that
I
do
that
is
I,
might
have
a
forged
credit
card
or
a
forged
identification
that
I
can
use
to
do
those
types
of
things,
but
those
are
some
of
the
ways
that
your
identities
are
stolen.
C
A
Be
more
powerful
than
you
think,
good,
we'll
donate
stuff
create
jobs.
Hey
did
you
know.
2.4
million,
loving
cats
and
dogs
and
shelters
and
rescues
need
our
help
to
find
a
home.
Let's
go
to
the
shelter
pet
project,
organ
meat.
If
you
were
in
a
shelter
near
you
harlow,
oh
she's,
one
great
listener
who
loves
to
hear
all
your
stories,
my
kinda
cat
saru
know:
there's
a
sweet,
goofy
boy
is
eager
to.
A
Please
sounds
just
like
another
dog
I
know
so
go
to
the
shelter
pet
project,
org
search
your
local
shelters
and
rescues,
and
go
for
a
cuddle
with
your
next
best
friend.
Adopt
we're
watching
for
West
Nile
virus.
Are
you
dead?
Birds
are
often
the
first
sign
that
West
Nile
virus
is
in
your
neighborhood.
A
If
you
find
a
dead
bird
called
a
California,
West
Nile
virus
hotline
or
report
it
online
at
West,
Nile,
CA
gov
for
more
information
about
West
Nile
virus
in
San,
Mateo
County
go
to
smc
m
vcd
org,
or
call
the
San
Mateo
County
mosquito
and
Vector
Control
District
protecting
public
health
since
nineteen,
sixteen,
okay
Simon.
What
do
people
wear
clothes?
That's
right!
So
it's
important
to
learn
how
to
dress
yourself.
A
Twice
a
day
making
sure
they
brush
is
easier
and
it
could
help
save
them
from
a
lifetime
of
tooth
pain.
You
know
the
old
saying
the
grass
is
always
greener
on
the
other
side.
Well,
it
made
you
get
up
close.
It's
all
weeds
and
stickers.
Those
big
company,
TV
providers,
may
have
great
introductory
offers.
I've
read
the
fine
print.
You
have
to
sign
a
long-term
contract.
Do
they
offer
free
service
calls
and
just
how
high
do
their
rates
go?
After
the
limited
time
offer
expires
at
San,
Bruno
cable,
you
sign
no
longer
contra.
A
C
So
a
pre-approved
credit
card
would
be
something
that
if
someone
was
out
stealing
mail
that
they
could
take
that
item
from
your
your
mailbox
or
they
could
take
it
from
your
garbage.
If
you
have
failed
to
shred
it
and
then
they
can
use
that
information,
because
oftentimes
in
that
the
the
company
that's
soliciting
or
offering
the
credit
card
they've
already
included
some
information
in
there.
That
would
be
more
than
what
you
would
just
be
your
name
and
your
address,
and
so
they
could
take
that
application
and
return.
A
B
Think
there
are
so
many
things
that
you
can
do
it
really
a
matter
of
focusing
on
the
stuff
that
and
the
easiest
to
do
the
most
important
to
do
in
the
stuff
that
you
really
need
to
be
doing
today.
So
if
you
look
at
just
your
computer,
for
example,
a
lot
of
your
protection
is
really
about
better
habits
and
behaviors.
It's
about
not
doing
stuff.
So
the
number
one
thread
on
your
computer
is
computer
viruses.
Now
they
are
far
more
sophisticated
than
they
were
when
I
first
started.
B
In
fact,
they've
barely
existed
back,
then
there
are
more
than
200
million
different
types
of
computer
viruses
out
there
and
getting
more
sophisticated
every
day.
They
want
into
your
life
through
your
computer.
So
how
do
you
stop
them?
Rule
number
one
stop
clicking
on
stuff.
The
only
way
that
this
these
viruses,
this
malware
could
get
onto
your
computer.
They
usually
come
through
email
and
they
require
you
to
click
on
the
link
or
try
and
open
an
attachment,
and
as
soon
as
you
do
that
launches
the
malware
and
computer
and
then
they
can
wreak
havoc.
B
A
B
Them
to
stop
sending
this
stuff,
I
mean
really.
Do
you
it's
it's.
It's
really
a
judgment.
Call
for
you.
Do
you
want
to
click
on
that
wedding,
video
and
suspecting
that
it's
the
real
thing,
but
at
the
the
back
of
your
mind,
worried
that
it's
actually
a
scam?
You
don't
know
what
kind
of
computer
hygiene
they
have.
Maybe
their
computer
was
infected
with
malware
and
then
everything
they
send
out
hides
Mallory,
that's
typically
how
it
works.
B
So,
even
if
you
know
the
person,
even
if
it's
a
company
you
deal
with-
and
they
say
click
here
for
this
click
there-
for
that,
don't
click
and
if
it's
something
they
want
you
to
do
if
they
want
you
to
check
on
an
account
if
they
want
you
to
check
in
a
statement,
go
directly
to
the
website
and
login
that
way
or
find
out
that
way.
If
it's
a
family
member
saying
check
out
these
funny,
folders
or
funny,
videos
call
them
and
say:
well,
you
know
where
else
can
I
sheet?
B
B
Banking
I
think
is
probably
safer
than
traditional
banking
as
long
as
you
know
what
you're
doing
and
take
time
to
figure
that
the
benefits
of
online
banking
are
you
really
reducing
the
amount
of
mail
that
these
can
steal?
For
example,
if
you
up
for
em
to
go
paperless
so
that
you
just
being
notified
by
email
or
text.
B
A
a
statement
is
available.
It
takes
your
personal
information
out
of
the
mail,
so
that's
a
huge
boon
for
you
and
it's
a
it's.
It
really
slows
down
the
identity
thieves,
but
there
are
so
many
things
that
the
bank
can
do
with
an
online
account
to
protect
you,
for
example,
with
my
bank
I
have
so
many
alerts.
If
anything
had
all
happens
in
my
account,
I'm
alerted
even
was
me
or
a
thief
so
that
I
can
then
tell
the
bank.
B
No,
it's
not
I
have
this
little
trick
that
I
do
I,
go
to
an
ATM
I,
take
out
some
cash
and
I.
Slowly
put
my
cash
in
my
wallet
and
I.
Try
to
see
will
I
get
my
cash
in
my
wallet
before
my
phone
beeps
to
tell
me
that
I'm
taking
up
money
from
the
ATM,
the
bank
can
tell
immediately
the
summon
is
at
this
ATM
in
this
supermarket.
Taking
at
this
amount
of
money
was
it
me
and
I
can
immediately
pick
up
my
phone
and
hit
a
big
red
button.
B
That
says
no
close,
my
account
or
freeze
my
account
or
whatever
the
actions
are.
So
it's
a
great
safety
net.
It's
got
someone
watching
over
you.
A
lot
of
banks
and
credit
unions
to
we
can't
leave
them
out
will
also
allow
you
to
pay
all
your
bills
from
one
account,
so
you
don't
have
to
remember
to
pay
bills
and
put
them
in
the
mail
and
maybe
they'll
get
lost
or
stolen.
B
You
can
have
your
bank
or
credit
union
pay
those
directly
out
of
your
account,
which
again
reduces
your
vulnerability
to
identity
theft
and
pushes
onto
the
financial
institution
the
responsibility
for
making
sure
that
those
bills
were
paid
and
if
it
got
lost
in
the
mail,
that's
on
the
financial
institution
or
not
on
you.
So
if
you're
comfortable
using
the
computer
and
using
the
internet,
I
would
highly
recommend
it.
B
The
only
caveat
is
make
sure
that
you
keep
your
computer
clean
from
computer
viruses
because
they
will
know
your
banking
online
and
they
will
either
try
to
intercept
those
messages
or
try
and
steal
your
password
and
get
in
so
and
it
comes
with
a
trade-off.
It
really
does
force
you
to
make
sure
that
you
practicing
computer
hygiene.
How.
B
Avoid
it
simply
because,
first
of
all,
you
have
to
get
those
checks
which
means
checks
are
coming
in
to
you
in
the
mail
which
makes
them
vulnerable
to
being
stolen,
I'm,
a
big
fan
of
using
credit
cards,
and
especially
over
ATM
or
debit
cards,
never
ever
use
your
debit
or
ATM
card
to
pay
bills.
If
you're
using
a
credit
card,
the
stealing
the
credit
card
companies,
money,
they're,
stealing
the
bank's
money,
I'm.
Okay,
with
that,
if
they
steal
your
debit
card
and
get
your
PIN
number.
B
For
example,
you
go
into
a
store,
you
swipe
your
credit
card
or
your
debit
card
or
your
ATM
card,
and
you
enter
you
in
your
PIN.
Hackers
can
steal
all
of
those
they
can
make
a
clone
of
your
card
and
they
can
to
your
bank
account
when
they're
emptying
your
bank
account
they're,
stealing
your
money.
Now
you
may
get
it
back.
You
may
not
get
it
back
or
you
may
get
it
back
in
a
couple
of
months,
but
in
the
meantime
you
have
to
pay
your
bills,
so
I
would
minimize
the
use
of
a
check.
B
I
would
never
use
my
debit
card
to
pay
for
anything,
especially
online
I
use
your
credit
card
and
paid
off
at
the
end
of
the
month.
I
do
it.
I
have
purchased
protection
if
I
don't
like
something
and
the
store
won't
take
it
back.
My
credit
card
will
refund
me
completely.
I,
get
lots
of
alerts,
I
earned
points,
I
can
get
a
you
know
a
free
weekend
away
and
it
again
it's
just
shutting
off
one
more
path
for
crooks
to
get
access
to.
My
bank
account
my.
A
B
Are
programs
that
you
can
download
quite
often
they're,
bundled
in
with
your
antivirus
software
and
the
goal
of
these
and
the
like
site
advisers?
They
they?
The
goal
is
before
you
click
on
a
website.
They
try
to
determine
if
the
website
is
safe,
so
they're
looking
for
obvious
signs
of
malware
of
computer
virus
hiding
on
that
web
sites
of
a
new
click
you
get
infected,
I,
highly,
recommend
them
and
they're,
not
intrusive.
They
don't
slow
down,
you're
you're
surfing
noticeably.
They
provide
tremendous
benefit
and,
in
most
cases,
they're
free,
so
check
with
your
antivirus
software.
B
Most
good
antivirus
programs
have
this
and
and
the
reason
they
do.
It
is
because,
as
hackers
realize
that
people
are
becoming
more
wary
of
emails,
hiding
viruses
they're
now
moving
to
infecting
websites
so
that
visitors
to
those
websites
get
infected
when
they
visit
the
website
or
click
on
something
stay
away
from
websites
that
you
don't
know
so
don't
be
so
surf
happy
stay
in
safe
neighborhoods.
You
know
in
stores
the
websites
of
stores
that
you're
familiar
with
big
brand
names,
so.
B
Dreaded
password,
okay,
I
mean
passwords
are
like
people,
you
may
not
like
them.
You
may
not
get
along
with
them,
but
you
can
so
most
of
us
whether
we
admit
it
or
not.
Cheat
with
our
passwords.
We
either
make
them
so
easy
to
for
us
to
remember
they're,
very
easy
for
others
to
guess.
We've
seen
year
after
year,
study
after
study,
the
number
one
most
common
used
password
today
is
either
password
or
password
123
or
password.
B
Abc,
that's
worse
than
having
no
password
hackers
will
figure
that
in
an
instant
they've
got
programs
that
run
through
millions
of
different
passwords
at
the
time
you
really
have
to
start
making
your
password
very
complex.
For
example,
I
know
security
experts
who
use
password
as
a
as
a
password,
but
what
they
do,
for
example,
the
Owen
password.
They
change
it
to
a
zero,
the
2
s's.
They
change
the
dollar
signs
right
and
the
second
that
they,
the
w
in
word
they
make
a
capital
out
of
that.
B
Maybe
they
put
a
couple
of
spaces
in
the
middle
or
they
put
an
exclamation
mark
at
the
end.
That
makes
it
infinitely
more
difficult
for
hackers
to
crack
because
every
character,
every
uppercase,
every
number
that
you
add
to
it,
makes
it
adds
thousands
of
years,
in
some
cases
of
computing
effort,
for
the
hackers
to
figure
out
that
password
so
get
to
grips
with
your
password.
Make
them
long
make
them
complex,
use
a
thing
like
a
free
password
manager
that
will
create
and
store
all
these
passwords.
B
B
Question
a
passphrase
is
like
a
a
new
and
more
advanced
version
of
the
password,
so
a
passphrase
is
a
phrase
that
only
you
would
know
about
your
life
that'll
be
almost
impossible
for
hackers
to
guess
and
from
which
you
create
a
password.
So,
for
example,
I
graduated
from
san
bruno
high
in
july
and
second,
let's
be
kind
1980.
Okay.
B
So
if
you
take
the
first
letter
of
every
word
and
all
the
numbers,
think
of
you
get
high,
there's
a
capital
I
so
immediately,
that's
an
advantage
to
you
and
invented
to
hackers,
because
it's
adding
a
capital
and
graduated
from
small
G,
small
F
san
bruno
high
capital
s,
capital,
B,
capital
H.
So
you
see
where
I'm
going
and
then
you
add
in
the
numbers.
July
you've
got
a
capital
change
alive,
but
you've
got
the
second
02.
B
That
means
you've
got
a
password
that
is
8
10,
12
characters.
Long
has
got
uppercase,
lowercase
and
numbers
and
is
easy
for
you
to
remember
but
impossible
for
hackers
to
guess
you
can
even
write
it
down
and
keep
an
eerie
computer,
because
if
someone
breaks
into
your
house,
that's
very
unlikely
to
look
at
and
say:
oh
that's
a
password
mm-hmm,
it's
a
very,
very
easy
way
to
achieve
what
you
really
want
with
passwords
is
very,
very
hard
to
guess,
but
without
having
to
strain
your
memory.
What.
B
That's
the
thing
about
about
security.
Most
of
the
security
are
simple
ideas.
You,
if
you
just
thought
of
them.
It's
just
doing
very,
very
simple
things
you
know
like
like
we
talked
about
before
slowing
down,
not
clicking
on
stuff.
Just
changing
your
behavior,
you
don't
have
to
be
a
rocket
scientist.
You
don't
have
to
be
an
expert
if
you
slow
down,
it
really
is
your
best
defense
and
the
same
goes
with
passwords,
slow
down
and
think
of
different
ways
to
get
at
the
same
place
is.
B
A
B
A
little
bit
more
about
you
if
you
can
and
if
you're
comfortable,
switch
to
online
banking
or
SAR
or
or
getting
your
your
statements
by
email
again,
it
takes
one
link
out
of
the
criminal
on
the
word
because
on
the
world,
because
they're
not
able
to
steal
your
mail
they're,
not
the
statements
aren't
coming
you
mail.
On
the
credit
reporting
side.
That's
often
the
first
sign
that
either
someone
has
your
information
and
they
are
testing
it
or
they
actually
successfully
opening
accounts
in
Europe
in
your
name.
What.
B
Well,
it
doesn't
off
lotto
harm
if,
if
thieves
are
taking
out
a
lot
of
credit
in
your
name
as
credit
gets
bigger
scores
get
lower
as
as
credit
credit
becomes
debt
and
you're
not
paying
it.
Your
score
gets
even
more,
so
you
really
have
to
make
sure
that
you
are
watching
your
credit.
You
can
monitor
it
free
each
credit
report.
Once
a
year,
this
a
site
called
annual
credit,
report.com
you're
entitled
by
law
to
it
once.
B
Have
to
pay
for
it
if
they
ask
you
for
a
credit
card,
if
they
ask
you
to
pay
for
your
on
the
scam
site,
don't
go
to
any
site
that
looks
like
it.
Our
sounds
like
it,
its
annual
credit
report.com,
and
there
are
lots
of
other
websites
out
there
that
allow
you
to
monitor
your
credit
report
free
of
charge,
creditkarma.com
credit
Sesame
calm.
B
They
will
allow
you
free
access
to
your
credit
reports,
no
credit
card
required
and
they
will
alert
you
if
there
are
signs
that
someone's
applying
for
credit
in
your
name
and
that
allows
you
to
kick
in
your
defenses,
go
to
the
bureau
and
say:
that's
not
me
get
it
off.
My
report
maybe
file
a
police
report
so
when
it
comes
to
documentation,
checking
your
credit
and
bank
statements
very
carefully
every
single
month
and
challenging
anything
that
you
see
and
watching
your
credit
reports
at
least
once
a
year,
but
around
the
clock.
B
Lists
every
piece
of
credit
that
you've
had
it
lists
all
the
inquiries
for
credit,
so
you
applied
for
a
credit
card,
but
you
didn't
go
through
that
the
enquirer
still
going
to
be
there
and
it
will
list
any
mortgages
that
you've
had
or
applied
for
it
will
list
all
the
addresses
that
you've
lived
at.
So
it's
a
it's
a
wealth
of
information
about
you.
The
credit
viewers
are
very
good
at
stopping
thieves
from
getting
their
hands
and
that
information,
but
that
these
don't
need
to
do
that.
B
They'll
get
that
information
from
other
sources
and
then
use
it
to
get
credit
in
your
name.
Quite
often,
the
viewers
are
not
watching
out
for
it.
They
don't
know
if
it
was
you
or
someone
else
applied
for
that
credit
card.
It's
up
to
you
to
watch
that
and
as
soon
as
you
do
you
kick
in
your
response.
Mold
you
calling
the
viewers
80
That's,
not
me!
Here's
why
here's!
My
police
report
get
it
out
of
my
credit
report
and
don't
let
it
hurt
my
score.
Knowing.
B
Score
is
simply
a
measure
of
your
creditworthiness
and
until
the
credit
turns
bad,
it's
unlikely
to
affect
your
score
until
the
credit
has
got
very
high.
It's
not
likely
to
affect
your
score.
What
these
will
often
do
and
this
thief
that
we
interviewed
in
jail
and
sonoma
has
told
us
if
he
gets
people
with
the
victims
with
a
good
identity
in
a
very
high
net
worth
and
very
high
credit
score,
and
you
can
have
a
very
high
credit
score
and
not
be
wealthy.
You
simply
being
good
with
you
credit
all
your
life.
B
He
will
take
out
credit
in
their
name
and
he'll
pay
it
off.
So
there
are
no
red
flags,
you'll
pay
it
off
and
he'll
get
more
credit
and
a
more
credit.
So
the
credit
card
companies
and
the
banks
are
not
watching
this
individual
because
there
are
no
signs
and
then
he'll
wait
until
the
accounts
get
into
twenty
thirty
forty
thousand
dollars,
then
you'll
catch
everything
and
disappear,
and
then
the
house
of
cards
comes
crashing
down.
The
first
you
know
about
is
victim
is
when
they
come
calling
wondering
why
you
haven't
paid
your
debt.
Oh.
B
A
good
not
a
good
situation
to
be
in
and
very
frightening
for
consumers.
The
only
good
news
is
as
a
consumer.
You
are
absolutely
not
liable
for
these
debts
and
you
absolutely
do
not
have
to
prove
that
they're,
not
yours.
This
is
the
the
panic
that
victims
feel
that.
Well,
it's
just
my
word
against
the
banks.
It's.
A
B
Your
word,
you
simply
have
to
assert
that
it's
not
you
and
that's
usually
accepted
with
a
police
report.
It's
then
up
to
the
debt
collector
or
the
bank
or
the
credit
card
company
to
prove
it.
Wasn't
you
nine
times
out
of
ten?
They
won't
waste
a
diamond
it
because
they
know
they
deal
with
identity
theft.
All
the
time
they'll
absorb
you,
the
data
move
on,
but
you've
gotta
stand
your
ground.
You.
A
B
Thing
you've
got
to
do
is
get
the
facts.
What
kind
of
identity
theft
was
it
was
it
simply
that
you
gave
your
card
in
a
restaurant
and
someone
dishonest
at
the
restaurant
got
your
number
and
you
use
it
or
tutoring
up
charges.
That's
the
easiest
of
all
kinds
of
identity
theft.
You
calling
a
credit
card
company,
you
deny
it
yours,
they
remove
it.
You
move
on.
It
doesn't
affect
your
credit
score
and
it's
it's
not
a
black
mark
against
you,
so
you've
got
to
get
you've
got
to
figure
out.
B
How
far
did
the
thieves
go
with
this
and
wanted
to
do
with
it
if
they
took
out
new
credit
in
your
name
or
they
took
out
a
loan
or
they
open
up
a
bank
account?
The
first
thing
you've
got
to
do
is
get
a
police
report
on
the
California
law
and
state
law
you're
absolutely
entitled
to
a
police
report.
They
can't
turn
your
way
so
go
to
your
Police
Department
tell
them
the
situation.
They
will
complete
a
report
with
most
police
departments.
You
will
get
a
report,
maybe
within
10
days
a
lot
of
times.
B
You
can
do
it
online.
So
you
don't
have
to
go
down
once
you're
armed
with
that
police
report.
Typically,
that's
all
the
debt
collectors
or
the
creditors
need
to
accept
your
word
that
you're
not
a
victim,
and
then
they
will
remove
it
from
your
credit,
the
supposed
to
remove
it
from
your
credit
report
and
stop
harassing
you.
You
may
need
to
go
a
bit
further
if
it's
a
larger
debt
or
if
the
company
doesn't
believe
you
there's
a
thing
called
an
identity
theft
affidavit
sounds
complicated.
It's
simply
a
sworn
statement
by
you.
B
It's
like
a
police
report,
but
you
fill
in
all
the
data,
the
details.
It
was
this
credit
card.
It
was
this
number.
It
was
this
date.
It
wasn't
me
and
you
have
it
notarized.
If
you
don't
pay
for
a
notary
at
the
identity
theft,
council
will
do
it
free
of
charge,
and
you
provide
that
documentation
by
mail
to
whoever's.
Looking
for
the
money
they're
supposed
to
then
reverse
what
they
started.
Take
it
off
your
credit
report
that
it's
there
and
remove
it
as
a
debt.
In
your
name,
it's.
C
C
We
are
a
resource
for
you
or
absolutely
happy
to
answer
the
phone
and
we're
absolutely
happy
to
help
you
and
to
you
know
to
try
to
avoid
you
becoming
the
victim
of
an
identity
theft,
and
so,
if
we
can
help
you
on
the
front
side,
it
makes
it
a
whole
lot
easier
for
both
of
us
and
it
allows
us
to
determine
what
are
the
trends.
How
do
we
need
to
warn
people
in
our
community?
How
do
we
help
them
as
they
deal
with
these
different
types
of
things
that
come
along?
C
A
B
More
victims,
every
month
than
all
the
other
crimes
put
together.
Law
enforcement
know
this
this
crime,
so
well,
even
in
a
small
city,
they
can
be
getting
five
to
ten
identity
theft.
Complaints
in
a
day,
you
can
get
three
or
four
hundred
identity
theft,
complaints
in
the
month.
They
know
that
the
vast
majority
of
people
come
into
them
or
victims
and
the
credit
card
companies
and
the
banks
and
the
businesses
who
are
also
victims,
don't
want
to
make
you
any
more
of
a
victim
because
they
want
your
business.
They
want
the
goodwill
they.
A
B
A
A
B
Leave
it
in
a
purse
or
wallet
me
leave
it
behind
that
may
be
a
cash
register
to
store
these,
don't
need
to
steal
your
driver's
license.
They
are
very
good
at
printing
them.
We
have
many
many
cases,
endless
cases
of
cops
going
to
arrest
someone
on
our
talent
coming
in
and
finding
identity
theft,
factories.
There
was
an
individual
caught
in
hayward
a
while
ago,
and
she
had
an
and
a
document
factory
in
the
trunk
of
a
car
with
over
a
thousand
manufactured
identity.
B
So
they
are
able
to
make
credit
cards
social
security
cards
driver's
licenses
that
are
so
good,
even
even
the
cops
can
tell
so
they
don't
really
need
to
steal
your
driver's
license,
but
when
they
do,
they
can
start
that
process
of
being
you
of
pretending
to
be
you.
So
if
you
do
fall
victim
or
even
suspect
your
fall
victim.
There
are
number
of
things
you
can
do
to
watch
your
credit.
For
example,
you
can
place
a
90-day
fraud
alert
with
the
credit
reports.
It's
very
easy
to
do.
B
You
simply
call
one
of
the
three
bureaus,
so
they
are
Experian,
Equifax
and
TransUnion.
If
you
can
remember
those
names
at
cause
of
the
council,
will
let
you
know
you
simply
call
up
one
of
them
or
go
online
if
you're,
if
you're
comfortable
using
the
internet
and
you
place
what's
called
a
fraud
alert
it
lasts
for
90
days.
The
one
bureau
shares
it
with
the
other
two
and
the
idea
behind
it.
It's
a
little
note
on
your
credit
report.
So
if
anyone
tries
to
apply
for
credit
in
your
name,
they
pull
the
report.
B
They
see
the
fraud
alert
to
supposed
to
say,
wait
a
minute.
We
have
to
double
check
to
something
around
here.
They
don't
always
do
that.
So
it's
not
a
fail-safe
you
can.
If
you
want,
go
to
a
more
extreme
measure
of
freezing
your
credit,
it
essentially
permanently
locks
your
credit.
So
even
you
can
take
out
you
credit
in
your
name.
Unless
you
provide
the
secret
pin
number
that
they
gave
you
when
you
freeze,
it
gets
a
bit
complicated,
but.
B
Are
on
your
foreign?
Maybe
how
you'll,
certainly
in
a
bank,
won't
want
you
walking
into
their
branch,
put
that
on
your
fart,
but
it's
it's
a
good
protection
against
one
kind
of
identity
theft.
It
automatically
rejects
any
applications
for
credit
in
your
name,
but
it
doesn't
stop
thieves
filing
taxes
in
your
name,
working
in
your
name
applying
for
benefits,
it's
not
a
cure-all.
It's
an
extra
step
that
some
people
might
want
to
take
is.
B
The
identity,
theft,
council,
identity
theft,
council,
org,
all
the
things
we've
talked
about,
the
information
is
on
our
site.
We
have
a
35-page
guide,
that's
free
of
charge.
That
goes
through.
All
these
tips
non-technical
very
easy
to
understand.
All
in
checklist.
So
do
this!
Do
this?
Don't
do
this?
Don't
do
this?
It's
part
of
a
campaign
that
we're
running
we
just
launched
in
the
bay
area
called
100
cities
and
100
days,
and
its
really
inviting
cities
and
communities
to
do
at
least
one
thing
to
raise
awareness
about
these
crimes
and
to
educate
the
community.
B
So
are
extremely
grateful
to
the
city
of
San
Bruno,
for
participating
and
and
doing
this
one
thing
to
get
the
information
out
there
and
if
you
are
a
victim
or
you
just
worried,
you
might
be,
you
can
still
contact.
The
council
will
provide
free
of
charge
of
free
of
charge,
any
advice
and
support
over
the
phone.
It
won't
cost
you
a
dime
and
it's
like
a
local
police
department.
You
don't
have
to
wait
until
you've
been
a
victim
to
contact
us.