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Con man angry Leonardo DiCaprio cine appearance angry cybersecurity expert, Frank Abagnale, talks with TechRepublic’s Karen Roby about the accomplish bodies can booty to assure their identity.
In allotment two of TechRepublic’s four-part alternation “Mastermind con man abaft Catch Me If You Can talks cybersecurity,” TechRepublic’s Karen Roby sat bottomward with Frank Abagnale, the acclaimed con man angry FBI Academy instructor, who aggressive the Leonardo DiCaprio appearance in the cine Catch Me If You Can to altercate what bodies can do to assure their identity–and credit.
The afterward is an edited archetype of their annual captivated at Louisville’s Bowman Field Regional Airport.
SEE: Mastermind con man abaft Catch Me If You Can talks cybersecurity (free PDF) (TechRepublic)
Frank Abagnale: I get asked a lot about how do you assure yourself from appearance theft, which is a big issue. And apparently everybody in this country has had their identities already baseborn because we’ve had over a billion identities stolen. We alone accept 340 actor bodies in America, including babies and children. So I consistently acquaint people, “I aloof do a few things.”
First of all, I do benumb my credit. I do still use a ecology annual because I like to analysis my own credit. So for $14, $17 a month, I can go online and attending at all three acclaim bureaus. I can attending at inquiries actuality fabricated on my credit. If something’s not accurate; I can fix it.
So, for that bulk of money, it’s annual it for me to do that alike admitting I froze my credit.
TechRepublic’s Karen Roby with Frank Abagnale.
I don’t abode a lot of checks in today’s environment. If I went into Walgreens and wrote a check, I’d accept to duke the agent the check, but on the analysis is my name, address, and buzz cardinal and my bank’s name and address. Also on there is my annual cardinal at my bank, my acquisition cardinal into my account, my signature on the signature agenda at the bank, and afresh the agent has accounting bottomward my driver’s authorization cardinal and my date of bearing on the check.
“The best move today is to basically aloof benumb your credit. This way no one can see your acclaim afterwards your permission. Not the government or anybody else, and that’s the way it should be.” Frank Abagnale
We don’t get the analysis back. We alive in truncation, so we alone get an angel of the check. The concrete analysis goes out to be destroyed, but anyone could see it and could abstract on my coffer account, could wire money out of my account, or they could artlessly do an annual takeover and adjustment checks with my annual cardinal on them and abode those checks.
So, I’m actual careful about autograph a lot of checks in today’s environment. Also, I don’t own a debit card. I never endemic one. I’ve never accustomed my sons to accept one. I’ve begin this out a continued time ago aback autograph a book. I asked myself a simple question, what absolutely is the safest anatomy of payment, not alone in this country but in abounding countries about the world? And that is a acclaim card–Visa, MasterCard, American Express, Discover Card. Every day of my activity I absorb their money. I never absorb my money. My money sits in the money bazaar account, earns interest, and it’s apparent to no one.
I go to the grocery store, and I use my acclaim card. I go to the dry cleaner, and I use my credit. I got on the even to appear here, and I acclimated my acclaim card. I will do aggregate in my ability to accomplish abiding no one gets my number. But if they do, and tomorrow they allegation $1 actor on my acclaim card, by federal law, my accountability is zero. I accept no liability.
“When you use a debit card, every time you use it, you’re advertisement the money in your claimed account.” Frank Abagnale
I don’t anguish aback I buy article online because if I buy it, and they don’t bear it, the acclaim agenda aggregation covers it. If I buy it, and it’s broken, and they debris to booty it back, the acclaim agenda aggregation covers it. So to me, the safest anatomy of acquittal is a acclaim card.
When you use a debit card, every time you use it, you’re advertisement the money in your claimed account. Having formed every aperture including Target, Home Depot, and TJ Maxx, afterwards the column analysis every alone said, “Well no, I was in Target, but I acclimated my Visa card, canceled it the abutting day, and afresh two canicule after FedEx delivered me a new card. I don’t apperceive what abroad happened.”
Or what about you?
“Well I acclimated my debit agenda off my acclaim union, and they took $3,000 anon out of my blockage account. They said they were investigating, and I didn’t accept admission to my money for three months.”
And aback you use your debit card, you could use it ten times a day for 20 years, you will not accession your acclaim account by that much. We use a acclaim card, and you pay the bill–even allotment of the bill– and you accession your score.
So a lot of adolescent people, unfortunately, use their debit card, and some charge to because they’re not acceptable at administration money. But some use a debit agenda aloof for convenience. They accelerating from college. They appear to town. They go to hire an apartment, and the administrator says, “Son, you accept no credit. You didn’t accept a acclaim book on record. You’ll charge to accept your parents co-sign the lease.”
“One of the best things you can do for your kids is to alpha teaching them to use acclaim at a actual aboriginal age and alpha to body it.” Frank Abagnale
Everything is based on credit.
So what I did is aback my three sons got to academy age, I said to them, “I’m not giving you a debit card. I’ve absolutely activated for a acclaim agenda in your name. So it’s your card. Of course, you accept no credit. So, I affirmed it.”
And I did this for three reasons. One, the bill comes to me every month, and I’m amenable for the bills. So if you spent a lot of time in a bar, I’m activity to apperceive that because I paid the bill. Two, I set the limit. So, it’s what I anticipate you charge to absorb every ages on that agenda while you’re abroad at school. And third, every ages that I pay the bill, it goes on your credit. So by the time you get out of college, you should be attractive at a acclaim account of about 800. You appetite to buy a car, buy a house, alpha your activity off–you won’t charge me to co-sign a agenda for you.
One of the best things you can do for your kids is to advise them to use acclaim at a actual aboriginal age and alpha to body it. Acclaim is not what it was 30 years ago. Do I get the car? Do I get the house? Aggregate today is based on your credit. You administer for a job; they analysis your credit. You administer for activity insurance; they analysis your credit. You administer for auto insurance; they analysis your credit. You administer for bloom insurance; they analysis your credit. Aggregate is based on your credit. So acquirements at an aboriginal age to alpha architecture acceptable acclaim in your name goes a continued way in allowance you accomplish it a lot easier through life.
There is no one in this country that anytime active a allotment of cardboard that said to Equifax or Experian, “You can booty all of my data, and you can advertise it to whoever you want, and you can accomplish billions of dollars accomplishing that.”
SEE: How to become a cybersecurity pro: A bluff sheet (TechRepublic)
So, I fought actual adamantine for assembly to canyon a law to acquiesce you to benumb your credit. Up until September of aftermost year, you could alone benumb your acclaim in eight states afterwards advantageous a fee. All the added states had fees absorbed to it, which went to the acclaim bureau. So it was $10 to benumb it, $15 to unfreeze it, and $10 to benumb it aback again.
There are three bureaus: TransUnion, Equifax, and Experian. It got actual complicated. It was costly, and abnormally for seniors, it was actual difficult to do. So, I basically was adage to Congress, “People should accept the appropriate to accumulate their advice safe.” And so they assuredly now acquiesce you to benumb your credit. Everyone from 16 years old and up can benumb their credit, unfreeze their credit, refreeze it afresh a thousand times if they want.
So, I consistently acquaint bodies the best move today is to basically aloof benumb your credit. This way no one can see your acclaim afterwards your permission — not the government or anybody else, and that’s the way it should be.
To apprehend added download Mastermind con man abaft Catch Me If You Can Talks Cybersecurity (free PDF) (TechRepublic).
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