Identity Theft and Credit Safety

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  • Lesson Identification and TEKS Addressed

    Cluster : Career Development

    Course : Career Portals: Middle School

  • TEKS Student Expectations

    • (5) The student understands personal financial management and recognizes the value of personal fiscal responsibility. The student is expected to:
      • (G) discuss the impact of identity theft on credit
  • Basic Direct Teach Lesson

    Instructional Objectives

    Students will:

    • summarize the cause and effects of identity theft
    • outline procedures for reporting identity theft
    • understand the consequences of identity theft
    • develop techniques for prevention and secure purchases in-store and online
  • Rationale

    Script:

    In previous lessons, we have discussed ways to manage a bank account, obtain credit and determine your credit score. While all of these things are important in establishing your financial history, it is also important to protect your identity to prevent someone from stealing your credit identity and ruining your credit history.

  • Duration of Lesson

    One 45 minute class period

  • Word Wall

    Credit Bureaus: A company that collects information relating to the credit ratings of individuals and makes it available to credit card companies and financial institutions

    Detect: Discover or identify the presence or existence of

    Federal Trade Commission: A federal agency, established in 1914, that administers antitrust and consumer protection legislation in pursuit of free and fair competition in the marketplace

    Fraud: Wrongful or criminal deception intended to result in financial or personal gain

    Identity Theft: Fraudulent access and use of a person’s private identifying information for financial gain

    Phishing: Activity of defrauding an online account holder of financial information by posing as a legitimate company

    Prevention: Act of stopping something from happening

    Skimming: Steal credit/debit card numbers by using a special storage device when processing your card

  • Materials/Specialized Equipment Needed

    Equipment:

    • computer with projector for PowerPoint™ presentation
    • copies of handouts (see All Lesson Attachments tab)
  • Anticipatory Set

    Before class begins:

    On a table in the center of the room, place various items related to identity theft and prevention.

    • brochures/handouts about identity theft
    • sample credit/debit card
    • credit card statement
    • shredder
    • handcuffs
  • Allow students to observe the supplies and ask the following questions:

    • Do you know anyone who has had their identity stolen?
    • What problems did this cause?
    • What steps did they take to fix the problem?

    Distribute handout, KWL- Identity Theft (see All Lesson Attachments tab) and ask the students to complete the first two columns.

  • Direct Instruction with Special Education Modifications/Accommodations

    Introduce PowerPoint™, Identity Theft and Credit Safety (see All Lesson Attachments tab). Students will be expected to take notes and follow along throughout the presentation.

    Individual Education Plan (IEP) for all special education students must be followed. Examples of accommodations may include, but are not limited to:

    • checking for understanding
    • providing assistance with note-taking
    • supplying student with a copy of the PowerPoint™ presentation

  • Guided Practice with Special Education Modifications/Accommodations

    Distribute handout, Deter. Detect. Defend. (see All Lesson Attachments tab). Watch the video, Deter. Detect. Defend. Avoid ID Theft (see All Lesson Attachments tab) from the Federal Trade Commission. Have students note methods for preventing identity theft, ways they were notified of the fraud and the steps taken to fix the problem on the handout Deter. Detect. Defend. (see All Lesson Attachments tab).

    Individual Education Plan (IEP) for all special education students must be followed. Examples of accommodations may include, but are not limited to:

    • checking for understanding
    • extra time to complete the assignment
    • frequent feedback
    • preferential seating
    • provide student with a transcript of the video (located on video website)

  • Independent Practice/Laboratory Experience with Special Education Modifications/Accommodations

    Distribute handout, Identity Theft Interview (see All Lesson Attachments tab) and ask students to interview an adult about identity theft and prevention. Students will write the responses on the handout. This handout will be due the beginning of the next class.

    Individual Education Plan (IEP) for all special education students must be followed. Examples of accommodations may include, but are not limited to:

    • checking for understanding
    • supply student with a template to help guide them through the interview

  • Lesson Closure

    Ask students to take out the handout, KWL- Identity Theft (see All Lesson Attachments tab) and complete the last column. If the students have any unanswered questions, use this time to answer them.

  • Summative/End of Lesson Assessment with Special Education Modifications/Accommodations

    Students will develop a plan for maintaining credit safety in order to prevent identity theft and steps to take when reporting identity theft in the form of a checklist. Students will also write a brief essay describing the impact of identity theft on credit.

    Individualized Education Plan (IEP) for all special education students must be followed. Examples of accommodations may include, but are not limited to:

    • allow student to use notes
    • extended time to complete the assignment
    • do not grade for spelling

  • References/Resources

    Websites:

    • Deter, Detect, Defect.
      This website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft.
      http://www.ftc.gov/bcp/edu/microsites/idtheft/
    • Deter, Detect, Defend. Avoid ID Theft.
      Source: Federal Trade Commission (FTC)
      Running Time: (9:58)
      Identity theft. It happens when your personal information is stolen and used without your knowledge. It’s a serious crime that can cost you time and money, ruin your credit, and destroy your good name. We know that identity fraud, in its various forms, has affected 10 million people in any given year, and what that means in dollars, is that it is a loss to businesses of about $50 billion. On top of that, victims of identity theft have spent $5 billion trying to undo this harm.
      http://www.ftc.gov/bcp/edu/microsites/idtheft/video/avoid-identity-theft-video.html
    • Do I need to worry about identity theft?
      Check your credit report regularly to make sure you’re not a victim of identity theft. Imposters may use your personal information to get and use credit, which may damage your score.
      http://www.whatsmyscore.org/break/idtheft.php
    • Identity Theft
      Identity theft is one of the fastest growing crimes, and happens when personal information—such as your name, credit card number, social security number or drivers license number—is stolen and used to assume your identity. Imposters can use this information to open bank accounts, make purchases, or even get an apartment in your name. All of this activity will show up on your credit report and may affect your credit score negatively.
      http://www.whatsmyscore.org/resources/idtheft.php
  • Additional Required Components

    English Language Proficiency Standards (ELPS) Strategies

    • word wall
    • write using newly acquired vocabulary
  • College and Career Readiness Connection

    AchieveTexas Career Cluster Crosswalks

    The Career Cluster Crosswalks housed on the AchieveTexas website http://www.achievetexas.org/index.html provide Texas teachers with a direct connection between their CTE course TEKS and the College and Career Readiness Standards (CCRS). Language Arts, Mathematics, Science, Social Studies, and Cross-Disciplinary integration are the focus of the CCRS. These college and career readiness standards are essential in the planning and delivery of CTE lessons. The extent to which the integration occurs is determined by the methods and strategies utilized by each teacher.

    Career Cluster Crosswalks for Education and Training, Hospitality and Tourism, and Human Services Career Clusters can be found at:
    http://www.achievetexas.org/Career%20Cluster%20Crosswalks.htm

  • Recommended Strategies

    Reading Strategies

    Article: Do I need to worry about identity theft?
    Check your credit report regularly to make sure you’re not a victim of identity theft. Imposters may use your personal information to get and use credit, which may damage your score.
    http://www.whatsmyscore.org/break/idtheft.php

    Article: Taking Charge
    From the Federal Trade Commission, provides information about the steps individuals can take to report and prevent identity theft.
    http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.pdf

    • Tools for Victims
      While dealing with problems resulting from identity theft can be time-consuming and frustrating, most victims can resolve their cases by being assertive, organized, and knowledgeable about their legal rights. These tools are designed to assist you in resolving disputes related to identity theft and in asserting your legal rights.
      http://www.ftc.gov/bcp/edu/microsites/idtheft/tools.html
    • Encourage students to connect reading to their life experiences or prior knowledge.
    • Word Attack Strategies. Have students note words that are unfamiliar to them and decode the words. If the word is not a term on the word wall, add the word.
  • Quotes

    Ultimately, you cannot prevent identity theft from happening to you, … You can only reduce your chances.
    -Beth Givens

    More and more often, victims are being denied jobs and being denied insurance as a result of their credit being destroyed by identity theft.
    -Attorney General Rob McKenna

  • Multimedia/Visual Strategies

    PowerPoint™:

    • Identity Theft and Credit Safety

    Technology:

    Websites:

    • Deter, Detect, Defend. Avoid ID Theft.
      Source: Federal Trade Comission (FTC)
      Running Time: (9:58)
      Identity theft. It happens when your personal information is stolen and used without your knowledge. It’s a serious crime that can cost you time and money, ruin your credit, and destroy your good name. We know that identity fraud, in its various forms has affected 10 million people in any given year, and what that means in dollars, is that it is a loss to businesses of about $50 billion. On top of that, victims of identity theft have spent $5 billion trying to undo this harm.
      http://www.ftc.gov/bcp/edu/microsites/idtheft/video/avoid-identity-theft-video.html
  • Graphic Organizers/Handout

    Graphic Organizer:

    • KWL- Identity Theft

    Handouts:

    • Deter. Detect. Defend.
    • Identity Theft Interview
  • Writing Strategies

    Journal Entry:

    • If identity theft goes undetected, it could…

    Writing Strategy:

    • Write a letter to your parents explaining the significance of identity theft on their credit history.
  • Communication 90 Second Speech Topics

    • What is identity theft?
    • Once identity theft has been detected, who should be contacted?
    • How does identity theft affect your credit history?
  • Other Essential Lesson Components

    Enrichment activity

    Read the article from the Federal Trade Commission (FTC) and discuss with class. See Reading Strategies component.

    • Tools for Victims
      While dealing with problems resulting from identity theft can be time-consuming and frustrating, most victims can resolve their cases by being assertive, organized, and knowledgeable about their legal rights. These tools are designed to assist you in resolving disputes related to identity theft and in asserting your legal rights.
      http://www.ftc.gov/bcp/edu/microsites/idtheft/tools.html

    Infographics:

    Infographics are graphic visual representations of information, data or knowledge intended to present complex information quickly and clearly.

    The infographic below is related to this lesson. Allow students to view the image on a projector and lead a discussion concerning the information provided.

  • Family/Community Connection

    Have students survey adults in their community to determine the number affected by identity theft. Have students create a handout of prevention techniques and steps to take in reporting identity theft to distribute throughout the community.

  • CTSO connection

    STAR Events:

    • Applied Technology- An individual or team event: Recognizes participants who develop a project using technology that addresses a concern related to Family Consumer Sciences and/or related occupations. The project integrates and applies content from academic subjects.
    • Chapter Service Project (Display and Manual): A team event – Recognizes chapters that develop and implement an in-depth service project that makes a worthwhile contribution to families, schools, and communities. Students must use Family Consumer Sciences content and skills to address and take action on a community need.
  • Service Learning Projects

    Successful service learning project ideas originate from student concerns and needs. Allow students to brainstorm about service projects pertaining to lesson. For additional information on service learning see: http://www.servicelearning.org

    Possible idea:
    Invite a financial advisor to hold an informational meeting about identity theft with members of the community.

    Also see Family/Community Connections.