Outsmart hackers who are out to steal your identity

Did you know that identity theft happens every 22 seconds? This means that, by the time you finish reading this sentence, someone has likely had their identity stolen. At best, identity theft will steal away your time and patience. But more often, identity theft leads to severe consequences, like losing control over your financial accounts, having your credit score affected or even losing lifelong savings.

You don't need to spend a fortune to guard against identity theft. While professional services can be helpful, most of what you need comes down to better habits and awareness. Here are some simple steps you can take today:

1) Check your accounts regularly: Review your bank, credit card and Social Security accounts for transactions you didn't make, failed login attempts and password reset requests you didn't initiate.

2) Keep an eye on your mail: Look for letters regarding accounts you didn't open, notices of data breaches and transaction summaries that don't match your records.

3) Monitor your email inbox: Be alert for password reset emails you didn't request, confirmation of new accounts you didn't open, receipts for purchases you didn't make.

5) Check your credit report annually: Visit AnnualCreditReport.com to get your free credit report once a year. Use it to spot suspicious activity early. If you see something unusual, take action right away.

7) Stop oversharing: Limit the personal information you share on social media and other platforms. It's a treasure trove for cybercriminals who use it to craft convincing fraud campaigns targeted specifically at you.

Nearly half of Americans don't know how to respond if they fall victim to identity theft. Acting quickly can make a huge difference. Here's what to do:

1) Contact the affected institution: Contact the company immediately if you notice something unusual, like a suspicious charge or an unfamiliar account. They'll guide you through securing your account.

2) Change your passwords: Update the password for the affected account and any others using the same credentials. Use strong, unique passwords for each account to avoid further risks.

4) Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.

Data breaches often start with personal information that's readily available online. People search sites and data brokers collect and sell this information, including your name, address, phone number and more. Can you get your data removed? Yes, but it's tricky. These companies don't make it easy, and managing removal requests for hundreds of sites can be overwhelming. 

Look, identity theft is scary, but you're not helpless. By staying smart and proactive, you can dramatically reduce your risks. Think of protecting your identity like locking your front door: It's just good common sense in today's digital world. At the end of the day, a little awareness goes a long way, and you've already taken the first step by reading this article. Now, take what you've learned and apply it to keep you safe from cybercriminals.

Follow Kurt on his social channels:

Answers to the most asked CyberGuy questions:

New from Kurt:

Copyright 2024 CyberGuy.com. All rights reserved.