第8次锦囊会
1 印象笔记架构：（笔记本组， 笔记本，笔记），
2 断舍离： 取房间一处改造整理 及 摒弃固有的思维定式，
3 网络分享 注意安全： 中文在最后面
Credit Union：https://www.cbscanada.com/
To receive more information on how to get a copy of your own Credit Report please contact either Equifax or Trans Union Canada at the appropriate number listed below:
1 (800) 465-7166 for Consumer Enquiries
1 (888) 746-5720 for Commercial Enquiries.
Trans Union Canada1 (866) 525-0262
https://www.transunion.ca/identity-theft
RCMP ：Identity Theft and Identity Fraud
http://www.rcmp-grc.gc.ca/scams-fraudes/id-theft-vol-eng.htm
附翻译
认识到风险
什么是身份盗窃？
身份盗用是指为犯罪目的获取和收集他人个人信息的准备阶段。截至2010年1月8日，参议院法案S-4成为法律，因为犯罪目的而拥有另一个人的身份信息是非法的。
什么是身份欺诈？
身份欺诈实际上欺骗性地使用与各种欺诈相关的另一个人（无论是活人还是死人）的身份信息（包括例如指控他人和滥用借记卡或信用卡数据）。
事实
身份盗窃技术的范围很广，例如垃圾箱潜水和邮件盗窃，以及更精细的方案。
技术，主要是互联网，促进了更加精细的计划，例如撇脂，网络钓鱼和黑客行为，因为犯罪分子收集了潜在受害者的档案。旨在帮助窃贼获取个人信息的计算机间谍软件和病毒是一种新兴趋势。
身份盗窃或欺诈的受害者可能会遭受经济损失，难以获得信贷或恢复其“好名声”。
加拿大反欺诈中心（CAFC）维护他们收到的投诉的统计数据。
2009年，CACF收到11,095名加拿大受害者的身份欺诈报告，总计损失超过1000万美元。这比2008年报告的数字增加了100多万美元。支付卡欺诈是最常报告的事件，然而，许多身份盗窃和欺诈事件没有报告。
寻求信息
身份窃贼正在寻找以下信息：
全名
出生日期
社会保险号码
完整地址
母亲的娘家姓
在线服务的用户名和密码
驾驶执照号码
个人识别码（PIN）
信用卡信息（数字，有效期和签名面板上印刷的最后三位数字）
银行帐号
签名
护照号
关于身份盗窃的新立法提供了完整的身份证件清单。
“刑法”新的第402.1节列出了身份信息的定义和例子。
您的信息可用于什么
犯罪分子可以将您的被盗或转载的个人或财务信息用于：
访问您的银行帐户
开设新的银行账户
转账银行结余
申请贷款，信用卡和其他商品和服务
购买
隐藏他们的犯罪活动
获得护照或领取政府福利
利用身份盗窃来促进有组织的犯罪和恐怖活动似乎也是一种日益增长的趋势。
你如何知道你的身份是否被盗
找出答案的最佳方法是经常监控您的硬拷贝或在线财务帐户，并定期检查您的信用报告是否有任何异常活动。如果您收到来自收款代理商的关于不熟悉帐户的电话，或者您申请了信用额度且意外拒绝，则应进一步调查。
报告
如果您怀疑或知道自己是身份盗用或欺诈的受害者，或者您无意中提供了个人信息或财务信息：
第1步 - 联系当地警察部队并提交报告。
第2步 - 联系您的银行/金融机构和信用卡公司
第3步 - 联系两个国家信用局，并在您的信用报告上发布欺诈警报。
Equifax Canada
免费电话：1-800-465-7166
TransUnion Canada
免费电话：1-877-525-3823
第4步 - 始终报告身份盗用和欺诈行为。联系加拿大反欺诈中心
防范风险
预防是处理这种犯罪的最佳方式：
身份盗用可以通过互联网或电话，或通过传真或普通邮件进行。因此，请特别警惕未经请求的电子邮件，电话或邮件，试图从您那里提取个人或财务信息。
问问自己是否真的需要钱包或钱包里随身携带的所有身份证件。删除任何不需要的东西，并将它们保存在安全的地方。
定期检查您的信用报告，银行和信用卡对帐单，并立即向相关金融机构和信用机构报告任何违规行为。
在交易过程中，自己刷卡比让收银员为你做更安全。如果你必须交出你的卡，永远不要忘记它。
使用自动柜员机或密码键盘时，请务必屏蔽您的个人识别码。
记住支付卡和电话卡的所有个人识别码。切勿将它们写在卡片上。
熟悉信用卡和借记卡的结算周期。
垃圾箱是身份盗贼的金矿。确保在将个人和财务文件放入垃圾箱之前将其粉碎。
当您更改地址时，请务必通知邮局和所有相关金融机构（您的银行和信用卡公司）。
Recognize it
What is Identity Theft?
Identity theft refers to the preparatory stage of acquiring and collecting someone else's personal information for criminal purposes. As of January 8, 2010, Senate Bill S-4 became law, making it illegal to possess another person's identity information for criminal purposes.
What is Identity Fraud?
Identity fraud is the actual deceptive use of the identity information of another person (living or dead) in connection with various frauds (including for example personating another person and the misuse of debit card or credit card data).
Facts
Identity theft techniques can range from unsophisticated, such as dumpster diving and mail theft, to more elaborate schemes.
Technology, mainly the Internet, facilitates more elaborate schemes, such as skimming, phishing, and hacking as criminals gather profiles of potential victims. Computer spywares and viruses, designed to help thieves acquire personal information, are an emerging trend.
Victims of identity theft or fraud can experience financial loss and difficulty obtaining credit or restoring their "good name".
The Canadian Anti-Fraud Centre (CAFC) maintains statistics on the complaints they receive.
In 2009, the CACF received identity fraud reports from 11,095 Canadian victims, totaling a loss of more than 10 million dollars. This represents an increase of more than 1 million dollars of what was reported in 2008. Payment card fraud was the most commonly reported incident, and yet, many instances of identity theft and fraud go unreported.
Information sought
Identity thieves are looking for the following information:
full name
date of birth
Social Insurance Numbers
full address
mother's maiden name
username and password for online services
driver's license number
personal identification numbers (PIN)
credit card information (numbers, expiry dates and the last three digits printed on the signature panel)
bank account numbers
signature
passport number
The new legislation on identity theft provides a complete list of identity documents.
The new section 402.1 of the Criminal Code lists the definition and examples of identity information.
What your information could be used for
Criminals can use your stolen or reproduced personal or financial information to:
access your bank accounts
open new bank accounts
transfer bank balances
apply for loans, credit cards and other goods and services
make purchases
hide their criminal activities
obtain passports or receive government benefits
Using identity theft to facilitate organized criminal and terrorist activities also appears to be a growing trend.
How can you find out if your identity was stolen
The best way to find out is to monitor your hard copy or on-line financial accounts frequently and to check your credit report regularly for any unusual activities. If you receive calls from collection agencies about unfamiliar accounts, or if you applied for credit and were unexpectedly turned down, you should investigate further.
Report it
If you suspect or know that you are a victim of identity theft or fraud, or if you unwittingly provided personal information or financial information:
Step 1 - Contact your local police force and file a report.
Step 2 - Contact your bank/financial institution and credit card company
Step 3 - Contact the two national credit bureaus and place a fraud alert on your credit reports.
Toll free: 1-800-465-7166
Toll free: 1-877-525-3823
Step 4 - Always report identity theft and fraud. Contact the Canadian Anti-Fraud Centre
Stop it
Prevention is the best way to deal with this crime:
Identity theft can occur over the Internet or telephone, or via fax or regular mail. Therefore, be particularly wary of unsolicited e-mails, telephone calls or mail attempting to extract personal or financial information from you.
Ask yourself if you really need all of the identity documents you carry in your wallet or purse. Remove any you don't need and keep them in a secure place instead.
Periodically check your credit reports, bank and credit card statements and report any irregularities promptly to the relevant financial institution and to the credit bureaus.
During transactions, it's safer to swipe your cards yourself than it is to allow a cashier to do it for you. If you must hand over your card, never lose sight of it.
Always shield your personal identification number when using an ATM or a PIN pad.
Memorize all personal identification numbers for payment cards and telephone calling cards. Never write them on the cards.
Familiarize yourself with billing cycles for your credit and debit cards.
Trash bins are a goldmine for identity thieves. Make sure you shred personal and financial documents before putting them in the garbage.
When you change your address, make sure you notify the post office and all relevant financial institutions (your bank and credit card companies).
网友评论