Technology is an amazing thing, but if there’s one downside to having everything be easily accessible these days, it’s identity theft. In fact, according to a 2018 online survey by The Harris Poll, nearly 60 million Americans have been impacted by identity theft.
That’s a lot!
So, how can you protect yourself to ensure you’re not a future victim? Try out these tips and suggestions below:
1. Make sure all of your passwords are strong and unique
Sure, it is much easier to keep your passwords consistent and easy to remember, but in the event your system is hacked or your identity is at risk, don’t make it any easier for the guilty party by providing them with only one password to remember. If you need assistance generating a strong password, try using this Password Generator resource and remember to take note of this password in a safe place.
2. Get organized
Create a folder for all of your most private and sensitive information and keep it in a secure place. This folder should contain access to your Social Security number, passport, birth certificates, tax documents, and any other material that might contain personal information. Furthermore, consider purchasing LifeLock or IDShield in an effort to proactively set up fraud alerts and credit monitoring.
3. Be mindful when using wifi
If you are in a public place, be mindful that using the public wi-fi could put your computer and personal information at risk. To mitigate this risk, consider using a VPN (virtual private network) token to better protect your data.
4. Opt out of those free credit card offers
You know all of those credit card offers you receive in your mailbox? Thieves know about them too and can easily access these offers to fill out an application in your name. To stop receiving these offers, head to www.optoutprescreen.com or try contacting 888-567-8688.
5. Be vigilant
It pays to be vigilant and monitor your credit report and accounts regularly. To keep track of your credit report, request a report from any of the three major credit bureaus (Equifax, TransUnion, and Experian) or simply request all three from www.annualcreditreport.com. Furthermore, scan your account statements regularly and take notice of seemingly small purchases. Often times, thieves will begin charging your card for small purchases (which can easily go unnoticed) before eventually using the card for larger purchases. Keep a watchful eye on all of your accounts and contact your credit card company or bank if you suspect any unusual activity.
6. Act FAST!
If you notice or suspect you’ve been comprised, immediately contact the main credit bureaus to freeze your credit reports. This way, if someone does attempt to take out credit in your name, the respective lender won’t be able to pull or access the reports.
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