1. Protect your computer and smartphone with strong, up-to-date security software. If your computer or phone is infected with malicious software, other safeguards are of little help because you’ve given the criminals the key to all your online actions. Also be sure that any operating system updates are installed.
2. Learn to spot spam and scams. Though some phishing scams are easy to identify, other phishing attempts in email, IM, on social networking sites, or websites can look very legitimate. The only way to never fall for phishing scam is to never click on a link that has been sent to you. For example, if the email says it’s from your bank and has all the right logos and knows your name, it may be from your bank - or it may not be. Instead of using the link provided, find the website yourself using a search engine. This way you will know you landed on the legitimate site and not some mocked up fake site.
3. Use strong passwords. Weak passwords are an identity thief’s dream - especially if you use the same password everywhere. Once the thief knows your password, they can log you’re your financial accounts and wreak havoc. You need passwords that are long (over 10 characters), strong (use upper and lower case letters, numbers and symbols), and that have nothing to do with your personal information (like name, age, birthdate, pet)
4. Monitor your credit scores. By law you have the right to three free credit reports per year; from Experian, Transunion, and Equifax.
These three credit bureaus work together through a website called AnnualCreditReport.com so you can quest all three reports at once in one of the following ways:
- Go to the Web site. Through this highly secure site, you can instantly see and print your credit report.
- Call toll-free: (877) 322-8228. You’ll go through a simple verification process over the phone after which they’ll mail the reports to you.
- Request by mail. If you live in certain states, fill out the request form and mail it to the Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. (Get more details.)
Note: Remember that after you request a report, you will have to wait a year to get it free of charge again from the same credit reporting company. (Of course you can pay for a copy of your credit report at any time.)
5. Review your credit score. Look too see if there are new credit cards, loans or other transactions on your account that you are not aware of. If there are, take immediate steps to have these terminated and investigated.
6. Freeze your credit.Criminals use stolen ID’s to open new lines of credit. You can thwart their efforts to use your identity by simply locking (called freezing) your credit so that no new credit can be given without additional information and controls. Many states have laws giving you the right to a free credit freeze, but even where states don’t provide legal mandates, the large credit bureaus provide a voluntary security freeze program at a very low cost.
To determine whether there are any costs associated with placing a security freeze on your credit, and for temporarily lifting that credit freeze when you do seek credit, see State Freeze Requirements and Fees.
7. Only use reputable websites when making purchases. If you don’t know the reputation of a company that you want to purchase from, do your homework. How are they reviewed by other users? Do they have a strong rating with the Better Business Bureau? Do they use a secure, encrypted connection for personal and financial information? (You should see an Https in a website’s URL whenever they ask for personal or financial information).
8. Stay alert. Watch for common signs of identity theft like:
- False information on your credit reports, including your Social Security number, address(es), name or employer’s name.
- Missing bills or other mail. If your bills don’t arrive, or come late, contact your creditors. A missing bill may indicate that an ID thief has hijacked your account and changed your billing address to help hide the crime.
- Getting new credit cards sent to you that you didn’t apply for.
- Having a credit approval denied or being subjected to high interest rates for no apparent reason.
- Receiving calls or notices about past due bills for products or services you didn’t buy.
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Consistently applying these eight steps to both defend and monitor your credit score will reduce the risks of having your identity stolen, and alert you instantly if such a problem arises.