Although the most common causes of identity theft are
still a lost wallet or a stolen credit card, online abuses are playing an
increasingly significant role. Every time we sign up for a web-based service –
whether it’s online banking or Facebook – we lose a little more control over
our identity.
While there is no software or other device that can
completely eliminate the possibility of identity theft, there are a number of
small actions we can take that will greatly reduce our vulnerability. Here are
some suggestions on how to minimize the risk:
- Safeguard all your personal information, not just
your social security number. Your name, address, bank account details,
date of birth – all this information can help thieves build a profile and
take over your identity.
- Make sure you use strong, unique passwords for all online services
and transactions. Consider using an independent password manager.
- Use a credit monitoring service, so you are warned about strange
purchases or attempts to open new accounts in your name.
- Keep a record of your credit card and bank account information, so
you can take quick action to close or freeze accounts if they are
compromised.
- If you do have to submit your personal information online, look for
evidence that the information is being encrypted, so it can only be read
by the intended recipient. Secure sites usually have web addresses that
begin with “https” rather than the usual “http” and display a lock icon on
the right-hand site of the address bar.
- And before submitting your name, e-mail or other personal
information, look for the web site’s privacy policy. How will the site use
your information and will they share it with other organizations? If you
do decide to submit personal data, make sure you uncheck the options to
receive offers from partners or other third parties.
- Monitor your kids’ online behavior and make sure they do not post
any personal information on their own behalf or on behalf of other members
of the family.
- Use anti-virus and Internet security software to reduce your
exposure to malware and other online risks.
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