How to prevent your identity theft on the web
- GeorgeCM
1. DON'T USE THE SAME SIMPLE PASSWORD FOR MULTIPLE ONLINE ACCOUNTS
Security experts agree that using weak passwords is one of the most common bad habits that puts consumers at high risk for identity theft. Data shows that people tend to reuse passwords for multiple logins despite the security risk, and often these passwords are simple words or phrases that themselves contain personally identifiable information. This means that if a bad actor gets ahold of one password, he or she suddenly has access to your bank accounts, your Gmail history and your Amazon cart.
Shockingly, “password” and “123456” are still among the most popular passcodes. To secure your accounts, skip the easy-to-guess options and the basic requirements to tack on a number and capital letter — instead, use a random password generator to create unique, complex passwords for each account, change your passwords often, and keep track of your logins with a password manager app.
The answers [to password recovery questions] can be found through social media. People should make it a habit to lie outrageously and uniquely for each website.
2. CHECK YOUR BANKING AND CREDIT CARD STATEMENTS ON A REGULAR BASIS
Checking your account balances isn’t always fun, but not doing so means you could miss fraudulent transactions that indicate your identity has been stolen. You should scan your account statements and your credit report frequently for purchases you didn’t make and lines of credit you didn’t request.
Credit card fraud is one of the most common types of identity theft. You are eligible for a free report from each of the three major credit bureaus once a year, so request one every few months in addition to reviewing other financial statements at least weekly.
3. DO NOT OVERSHARE ON SOCIAL MEDIA AND ALWAYS RE-CHECK YOUR PRIVACY SETTINGS
Social media is rife with scammers who take advantage of weak privacy settings to lure you in. Even if you don’t fall victim to a phony Facebook lottery, thieves can still glean personal information from your supposedly private profiles. Geotagged photos, birthday posts, and childhood throwbacks give savvy criminals answers to those oversimplified security questions and generally help them impersonate you.
Cut thieves off by tightening your privacy settings and limiting what you post. Check your settings every time a social media platform releases an update or asks you to agree to a revised privacy policy.
4. BE CAUTIOUS WHEN SENDING SENSITIVE INFORMATION VIA EMAIL OR UNSECURE MESSAGING SERVICES.
Nigerian princes aren’t the only ones scamming consumers through email. If you include account numbers, attach sensitive documents or simply write things you’d never share publicly, you open yourself up to identity theft. Even if you have a strong password or use two-factor authentication to protect your own account, your messages are only as secure as those you send your information to.
Plus, when you delete messages from Facebook, Slack or email, that data still lives in a place that’s accessible to thieves who can intercept or hack into accounts or servers.
5.UPDATE REGURARLY YOUR APPS AND DEVICE SOFTWARE.
Frequent app updates actually patch critical security holes that would otherwise leave your data vulnerable to hackers and viruses.
If your devices have an automatic update setting, enable it. And if you get a notification that a new software version is available, address it immediately.
6. FINALLY, TAKE CARE WHEN YOU SHARE PERSONAL INFORMATION (ESPECIALLY WHEN YOU ARE IN PUBLIC).
There are very few situations that actually require you to provide any kind of personally identifiable information in public or to someone you don’t know, so be wary of anyone who requests this.
For example, a telemarketer calls and asks you to confirm your name and address. You have no way to verify that person’s credentials, which means you just gave your name and location to a stranger, which they can then use to piece together your personal profile. Other situations are less sinister but just as risky: You don’t think twice about providing your credit card number to confirm an appointment or stating your social security number for your doctor’s office over the phone, but you never know who is listening nearby.
Before you give away any information, whether in person, over the phone or online, make sure that it’s absolutely necessary to do so and that your data will be communicated or transmitted securely.
Experts say that data breaches, hack and identity theft are an all-too-common — and often unavoidable — reality, so consumers should take steps to avoid becoming victims whenever possible.
