Identity theft is a serious crime and it can lead to devastating results in thousands of people. There have been several cases of persons committing suicide because his identity was stolen. Relationships, plans, and dreams are destroyed because of identity theft. This is why the government is taking steps in addressing the rising problem of identity theft. However, it seems that these cyber-thieves are very talented. They are difficult to catch. This is why it is up to the individual to take measures to protect against identity theft. Here are the key tips that every individual must keep in mind.
Keep the social security card in a secret and secure place. This means that an individual should never place his social security card in his wallet. This card might be as good as the driver's license but it contain one extremely sensitive information, which is the nine-digit social security number (SSN) that identifies a person and unlocks bank and credit information. Thus, leave that card out of the wallet. In connection with the idea of protecting the SSN, an individual should never tell it to strangers and should never reveal it in an online form.
Shred any document or paper that contains important information. An individual will regularly receive mail and documents that contain important information about his person, such as bank account number and credit card account number. These documents must be shredded, as opposed to simply throwing them in the garbage can. Identity thieves have been known to go through trashcans to retrieve the said information.
Think first before you click. Identity thieves who use the internet have learned to copy websites and use these websites to steal information. Such websites are called phishing websites. For example, the identity thief or scam artist will copy the website of a bank. A client of this bank, who absentmindedly logs into the online banking site, will be facing a webpage that asks for information. This webpage would explain that it is updating information about the bank's clients. And the gullible client may simply fill out the form and click the ?OK? or ?SEND? button.
Before clicking the button or sending vital information in the internet, an individual must first check the URL (Universal Resource Locator) of the webpage that he is facing and determine if it is authentic. For example, the authentic website for eBay is http:ebay.com and the fake one is https:ebay.com. There is a one-letter difference. This does not mean that the ?https? indicate a phony website. In fact, the additional s is desirable when entering personal information. This letter s, along with a symbol of a lock at the bottom screen, indicates that the website is secure.
And lastly, always check the details, especially the details on the bank account statement and the credit card bill. Some people, upon receiving the credit card bill, postpone the opening of the envelope because they don't want to see how much they must pay before a specified due date. This habit can be damaging because these people do not immediately know if there have been unauthorized use of the credit card.
Identity Theft Protection Tips
Identity theft is quickly becoming a worldwide epidemic. The latest statistics reveal that the largest majority of victims are aware of the crime within 30 days; over 25% don't discover it for six to twenty four months. It is up to all of us to become aware and use identity protection tips to prevent the spread of this crime.
Some of these tips seem to be common sense, and might be things that you are already doing. Others might be tips that you have heard already, and thought about following, but have not started yet. Today is a good day to start protecting yourself from identity theft. Here are seven identity theft protection tips to get you started.
1. Protect your social security number. Never give it out on the internet, and don't have it printed on your checks. If your health care plan uses your social security number as your membership number, ask them to replace it with a different number.
2. Don't fall for phishing emails. These emails appear to be from legitimate businesses, such as banks, credit card companies, or EBay. They ask you to reply with your credit card information, or your social security number to correct the information in your account. If you think it might be legitimate, telephone the institution, and verify it. Don't reply to the email, or click any links in it.
3. Shred, or tear up any pre-authorized credit card offers that you receive in the mail, and don't want to accept. Also, tear up or shred any papers with your personal information that you are going to throw out.
4. Protect your personal information on your home computer. Use passwords with at least eight characters, and a combination of letters, numbers and symbols. Make sure your firewall is enabled, and your virus and spy ware protection software is up to date.
5. When you are shopping online, take a minute to read the privacy policy on the web site before entering your credit card information. If there is no privacy policy posted, shop elsewhere. Only enter your payment information on secure sites that have a web address that begins with https, and has a padlock symbol in the bottom corner of the browser screen.
6. Check your bank statements and credit card bills as soon as they arrive. If you don't receive your statements, contact the financial institution immediately. Identity thieves will change the address where the statement is delivered to avoid being caught.
7. Check your credit reports and monitor your credit history. You can get one free credit report each year from each of the three national credit bureaus. You can order a report from a different bureau every four months to monitor your credit.
Use these identity theft protection tips to prevent being the next victim of this crime. Share them with your family and friends to help them stay safe and avoid the turmoil of becoming the next victim of identity theft.
Both Puripong Koomsin & Gerri Stone are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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