Tag Archive for: Identity Theft Prevention

Hotel Key Cards & Identity Theft

I just checked out of my hotel room in NYC after delivering an identity theft speech to the most wonderful New Yorkers at the Federal Reserve Bank of NY, and it reminded me of a question I hear constantly as I travel:

Can my identity be stolen off of the room key cards that hotels use?

In my experience, the answer is “no”. I have never found anything other than my name, room number and occasionally a customer number encoded on the magnetic strip on the back of the card.

Here’s how key cards work. Hotels store your personal information (credit card number, address, etc.) on their computer system rather than on the card. When they issue you your key card, they encode your name and the room number onto the card. When you use your key card at the hotel gift store or at the bar, it simply records that charge to your room or customer number. When you check out, the charge is billed directly to your credit card.

To verify the accuracy of my experiences, I researched hotel key cards on Snopes.com. Snopes is an excellent way to verify the truth of possible scams, frauds and urban myths. Snopes supports my findings, however…

Why take the chance? I’ve never been to a hotel that actually charges you if you don’t return the cards. So, the responsible privacy reflex here is to minimize your chances by destroying the card, even if it doesn’t pose much of a risk. Just like you should shred mail that only has your name and address on it (the first pieces of information an identity thief needs to uncover more identity on the Internet), so should you eliminate the chances that something on the hotel key card will ever be used to steal your identity. It costs you nothing and takes less than 30 seconds to CHOP. And in the meantime, this will get you in the habit of destroying identity exposure so that when it does count, you’re prepared.

Identity theft prevention isn’t about being paranoid, it’s about establishing good habits of privacy and being prepared.

John Sileo
Financial Identity Theft Speeches

Stop Identity Theft of a Deceased Family Member

I’ve just visited the fountain of youth. Have you ever had one of those experiences where you meet a person or a group of people that renews your faith in all that’s good in the world? I delivered a speech on identity theft prevention to AARP South Carolina (a chapter of the American Association of Retired Persons – an amazing organization that you should be part of if you are over 50) yesterday morning, and met a group that actually makes me look forward to growing up. Doris, Barb, Leigh Ann, Patrick, Lynda, Bill, Ridge, Charlie, Emily (I could name 50 more)… these are the people that greeted me like I was part of their family and treated me like someone special. They are some of the youngest spirits I’ve ever met. And I learned a great deal from them…

AARP had asked me to speak at their annual meeting as a thank you to their incredibly dedicated core of volunteers. These are people who put their muscle where their mouth is. And they paid attention and were so engaged that it was like giving a motivational identity theft speech. They inspired me! They must have had fifty additional great questions after the presentation that I didn’t have time to answer because they were headed into additional sessions. Given that, I’d like to take a few minutes to address a few of the items that pertain specifically to identity theft prevention for retirees and people over 50. Instead of re-inventing the wheel, let me point you to the resources on identity theft prevention that AARP provides on their website. They are extensive and geared to the retiree population.

But I want to elaborate on a question that one member of the audience brought up after the speech: identity theft of a deceased family member. This has to be one of the most callous, horrific forms of identity theft. Here a spouse is having to deal with the loss of their soul mate and a criminal takes advantage of their distraction and grief to profit from the deceased’s identity. Here are 5 steps to take after a loved-one has passed away to make sure that their identity rests in peace:

  1. Short Obituaries. Make sure that you don’t include too much identifying information when you write the obituary. Identity thieves use this information (mother’s maiden name, address, ancestry, occupation, birth date, death date) to set up new accounts, licenses, etc. in the deceased person’s name. It is important to honor the person, just don’t give away all of their personal information.
  2. Protect Death Certificates. Guard the death certificate like you would a birth certificate or other piece of identity. You will need to fax this document to certain organizations in order to prove that your family member is deceased, but only send it to trusted institutions who absolutely won’t take the name off of the account without it. When you are done with the death certificate, store the original and all copies in your SentrySafe where you keep other identity documents. Be forewarned that for securities sake, many organizations are requiring an original copy of the death certificate as proof, so ask for 10-12 originals copies when you request the death certificate.
  3. Notify Credit Bureaus. Immediately notify the three credit reporting bureaus that your family member has passed away. Request that the credit report is flagged with the note: Deceased, Do Not Issue Credit. Request a copy of the decedent’s credit report so that you will have a list of all of the accounts you need to modify/close (see Step 4). The procedure varies by credit burea, so the numbers to contact them are as follows: Experian – 888-397-3742; Equifax – 888-766-0008; TransUnion – 800-680-7289. Don’t wait for the Social Security Administration to notify the credit bureaus – it takes them too long! And make sure to log all correspondence and conversations and send documents via certified mail so that you have proof of delivery, should you ever need to dispute a claim of non-receipt.
  4. Notify Financial Institutions. Notify all banks, insurance companies, credit card companies, stock brokers, mortgage companies, loan/lien holders, etc. about the death of your family member (if it was a joint account OR an account under their name). The executor or surviving spouse will need to resolve all outstanding debts and how they will be dealt with before the account can be closed or the deceased person’s name is removed from the account. Also notify the Social Security Administration, Veteran’s Administration, Department of Motor Vehicles, professional license associations (Bar Association), membership programs (Costco, Sam’s, Blockbuster, etc.) and any creditors or collection agencies with which the deceased had an account or membership. This is a difficult time to put in all of the work to protect an identity that should be left alone; but the current reality is that the identities of deceased individuals are easier to steal and abuse than those of the living.
  5. Share Wisely with Family Members. Unfortunately, many cases of deceased identity theft are committed by a member of the deceased’s family. It might be a relative who is in financial trouble, a friend who has a costly addiction or a child that feels he or she was wronged in the will or estate planning. For that reason, the identifying information of a deceased family member should be kept to as small a circle as possible. It seems to work best when one family member is the point-person for collection of documents, closing of accounts, checking of credit, etc. Generally this is someone other than the person who organizes all of the other events that surround the death of a loved one.

This is a heavy topic on the heels of such a wonderful encounter in South Carolina. But as any one who has survived the death of a spouse knows, the responsibility and respect for that person continue long past the date of their death. I hope that these suggestions make that burden/blessing a little bit easier.

John Sileo is an an award-winning author and keynote speaker on identity theft and cybersecurity. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.