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MEANS PROTECTING YOUR IDENTITY TODAY
These days, people who are out to steal from you or harm you do so without any direct interaction. Identity thieves can takes your personal information and use it without your knowledge. The thief may run up debts or even commit crimes in your name.
California Attorney General Xavier Becerra offers 10 tips to help you lower your risk of becoming a victim.
1. Protect your Social Security number.
Don’t carry your Social Security card in your wallet. If your health plan (other than Medicare) or another card uses your Social Security number, ask the company for a different number. For more information, see Your Social Security Number: Controlling the Key to Identity Theft.
2. Fight "phishing" – don't take the bait.
Scam artists "phish" for victims by pretending to be banks, stores or government agencies. They do this over the phone, in e-mails and in the regular mail. Do not respond to any request to verify your account number or password. Legitimate companies do not request this kind of information in this way.
Bottom line: Never give out your personal information – unless you made the contact.
3. Polish your password practices.
Identity thieves love passwords because they open doors to our personal information. Get tough and organized now. Use different passwords for all your accounts. Make those passwords strong with at least eight characters, including a mix of letters, numbers, and symbols ($+r0^gh@h@). Hide them safely, and keep them handy. Good password practices are tedious, but fixing an identity theft problem is hard labor!
4. Be mysterious on social networks.
What you share on social networks (your home or email address; children’s names; birth date and so on) is what tech-savvy thieves use for scams, phishing, and account theft. Don’t over share.
5. Shield your computer and smartphone.
Protect your personal information on your computers and smartphones. Use strong passwords. Use firewall, virus and spyware protection software that you update regularly.
Steer clear of spyware. Download free software only from sites you know and trust. Don’t install software without knowing what it is. Set Internet Explorer browser security to at least "medium." Don’t click on links in pop-up windows or in spam e-mail.
6. Click with caution.
7. Check your statements.
Open your credit card bills and bank statements right away. Check carefully for any unauthorized charges or withdrawals and report them immediately. Call if bills don’t arrive on time. It may mean that someone has changed contact information to hide fraudulent charges.
8. Stop pre-approved credit offers.
Stop most pre-approved credit card offers. They make a tempting target for identity thieves who steal your mail. Have your name removed from credit bureau marketing lists. Call toll-free 1-888-5OPTOUT (888-567-8688). Or opt out online at www.optoutprescreen.com.
9. Check your credit reports – for free.
One of the best ways to protect against identity theft is to monitor your credit history. You can get one free credit report every year from each of the three national credit bureaus: Equifax, Experian and TransUnion. Request all three reports at once, or be your own no-cost credit-monitoring service. Just spread out your requests, ordering from a different bureau every four months. (More comprehensive monitoring services from the credit bureaus cost from $44 to over $100 per year.) Order your free annual credit reports by phone, toll-free, at 1-877-322-8228, or online at www.annualcreditreport.com. Or you can mail in an order form.
10. Ask questions.
Don’t be afraid to ask questions when a business or agency asks for your personal information. Ask how it will be used. Ask how it will be shared, and how it will be protected. Explain that you’re concerned about identity theft. If you’re not satisfied with the answers, consider taking your business somewhere else.
These are just a few tips to keep you — and your identity — secure. Feel free to call or email me with additional ideas or suggestions of your own.