Keeping your identity safe is important. If someone else is able to get their hands on your sensitive identification information, not only can they pretend to be you for all intents and purposes, but they can also take your money, your credit and your entire life The anonymity of this crime makes many people feel helpless to prevent it.
There is no need to be hopeless though. There are some easy ways that you can keep your identity safe, starting today, that can make a world of difference in protecting your information. Here are the Top 10 ID theft prevention tips that you can implement today to help to make your identity safer.
1. Don’t carry extra credit or debit cards
Do you have one primary account that you use for spending? Then keep that one card with you and lock up whatever other ones you may have in a safe location at home where thieves won’t think to look. Not only does this make it harder for an identity thief to get their hands on all of your accounts, but it will also improve your spending habits.
2. Crosscut shredders are a must have in your home
We all like to joke about the guy who got his tie caught in the shredder, but those old shredders really don’t do anything. Straight line cut paper is easy to remove from your trash that is curbside and can be easily taped together by an identity thief. Look for a crosscut shredder that spits out tiny little pieces of paper. This will discourage an identity thief to no end.
3. Recycle Your shredded information
Taking your personal papers that have been shredded and dumping them into a huge recycling bin full of paper eliminates the curbside thief. Mixed up with literally tons of other paper, your identity simply gets lost in the mix.
4. Never carry your Social Security card
The only reason why you need a Social Security card with you is to provide a copy of it to a new employer, and even then you could make the copy at home. Other companies may request your Social Security card for verification of who you are, but you can request alternative methods of identification.
5. Use one time credit card numbers while online shopping
Many credit card companies offer an online shopping service where they will assign your account a unique number that is good for one purchase only that you have authorized. This prevents identity thieves from getting your actual credit card number if you happen to have spyware of keylogging software inadvertently installed on your computer.
6. Don’t surf the internet without anti-virus, anti-spyware, a firewall, and anti-malware software installed.
The internet is a dangerous place thanks to the actions of a few, so to keep yourself safe while working, surfing, and playing online, be sure to have all the protective services properly installed and updated on your computer. Identity thieves have even started to create viruses that affect Apple’s O/S, so always remember that every computer you own is a potential target.
7. Keep a list of all your financial account numbers locked away.
If you do happen to lose your wallet or purse, or you suspect you have become the victim of identity theft, time is of the essence. By having this information easily accessible, you can simply grab your list and start making calls instead of fumbling around on the internet and through your files trying to find it after the fact.
8. Don’t give out any information to people you don’t know.
Why would someone you not know or a company you’ve never done business with need your identification information? To steal your identity, that’s why! If you don’t know who is asking for your info, don’t give it to them until you’ve verified the authenticity of their request.
9. Beware aware of “phishing.”
Phishing is one of the biggest causes of identity theft around today. Identity thieves get you to give them your information through a bogus e-mail or even phone call demanding you verify your information to save an account you might have with a legitimate business. You talk to a convincing person on the phone or you get transferred to a legitimate looking website where you “verify” the info, but what you are really doing is simply handing your identity away. You haven’t won anything. Your account will not be closed. You do not ever have to give someone a password or your PIN number. Always, always, always ask questions if you are unsure!
10. Sometimes You Can Share Too Much Information
With the invention of social networking on the internet through the various websites, we tend to get very friendly with a lot of different people who we may not even know personally. All it takes for an identity thief who has friended or followed you to get into your home and take your identification information is for you to post that you’re going to be out for a few hours, that you’re headed out on vacation for a couple weeks, or that you’re in charge of the school carpool for next week.
Chances are you have pictures uploaded of your home that even show your file cabinets, safes, or lockboxes in the background behind a smiling face. Be careful about who you decide to let follow you & friend you, and then be careful about what you share with them. Without intending to do so, you could be setting yourself up for an identity theft incident and not even realize it.
Identity theft is the fastest growing crime currently in the United States, and it is growing around the world as well. You can protect yourself against identity theft easily by following these Top 10 guidelines as consistently as possible, while also looking into a credit monitoring protection plan that might fit your extended needs. Identity theft is a $40 billion per year problem – don’t let it cost you too.
Tips to Avoid Identity Theft
Identity theft is a crime which affects millions of people from different parts of the globe. If you don’t want to be a victim of identity theft, you should know the best safety measures to protect yourself from this growing crime.
There are several tips you may take for consideration when avoiding identity theft and some of them are as follows:
Tip #1: Consider an Identity Theft Protection Service
Numerous companies offer credit monitoring services to help anyone protect themselves from identity theft. Such services are available at reasonable rates. Depending on your preferences, you can choose any identity theft service provider that offers top notch solutions.
Tip #2: Keep All Your Personal Documents in a Safe
If you have important documents, it is always a wise idea to keep a personal safe for your home and a safety deposit box anywhere. You may utilize your safe at home for protecting items including social security card, passport, and birth certificate.
Tip #3: Protect Your Wallet or Purse at All Times
If you are buying purses, choose the ones that can be closed shut or zipped. Try not to make use of bags that some can easily reach into or see. Also, keep bags close to your body with tight grip all the time. Don’t leave purses or wallets in the car and if possible, don’t leave these exposed and never keep them in an obvious place.
Tip #4: Photocopy Every Content of Your Wallet
It is also a good idea to make copies of your ID cards, credit cards, and other personal documents that you usually keep in your wallet. In addition to that, keep records of all phone numbers to contact in case you have to order replacement items or close accounts.
Tip #5: Remove Yourself from Any Promotional Lists
If you don’t want to end up with stolen identity, start removing yourself from promotional lists including pre-approved credit card and junk mail lists. This added clutter does not do any good. In fact, you just put yourself at risk of identity theft if the stranger gets their hands on pre-approved cards.
Tip #6: Examine All Your Bank Account Statements
If you want to ensure that your bank accounts are all safe, always examine all your bank account statements regularly. If you bank accounts have unauthorized charges, never hesitate to call your chosen bank immediately.
Tip #7: Never Reveal Personal Information to Unverified Sources
Regardless if it’s over the internet or the phone, don’t reveal personal information to any unverified sources. Never feel pressured to answer questions if you don’t trust the source. Also, feel free to make a request for verifying information before giving any information.
Tip #8: Shred All Sensitive Documents Before Throwing Them Away
Before throwing your personal documents, consider shredding them first. Dumpster diving is said to be a common way of stealing personal information. Buy shredders for your home or office and ensure that you destroy any paperwork that contain personal details before you discard them. This includes credit, statements, mail, and even receipts.
Considering those tips above can help you avoid identity theft. Implementing them on your daily routine will allow you to save your personal information from this growing crime.
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