How To Protect Yourself From Identity Theft

5/30/2022

TransUnion, one of the three credit bureaus, recently shared this blog.

If you are concerned about sharing your personal information online, you are not alone.  

Here are some simple tips to help you keep your data identity protected and prevent identity theft:

Monitor your credit reports for changes

Reading and understanding your credit report information is important in the fight against ID theft. Depending on the number of accounts you have and your credit activity, your credit report can be updated frequently. Be on the lookout for any accounts or information that look unusual. If you’re unsure about an account or creditor name, contact the creditor directly for details.

For your free credit report from all agencies click here.  

Consider a fraud alert or credit freeze

Fraud alerts and credit freezes are two free ways to add a layer of protection to your credit report. With a credit freeze, lenders won’t be able to check your credit report to open a new account. A fraud alert is similar, but instead of freezing lenders out completely, it alerts lenders to take extra steps to verify your identity before extending credit. This can be a good option if you’re concerned about identity theft and are actively shopping for a new loan.

Do a password audit

It’s tempting to share passwords across platforms or reuse old ones for new websites. Keeping track of different, complex passwords can feel like a pain. But what’s even more of a pain is trying to recover a compromised account and any associated data or assets. Create strong, unique passwords for each account. Password managers can help you keep track of the necessarily complex passwords or passphrases.

Limit the personal information you freely give

Make careful considerations before you give out your personal information. It can seem harmless to give a company your name, birthday and email for access to special offers or discounts, but think about what your personal information is worth to you. While most companies are good stewards of information, data breaches can happen.

Beware of phishing attempts

You’ll also want to watch out for links in your emails or text messages that feel off or unexpected, even if it seems like they’re coming from a reputable company. Misspelled words, generic greetings and a sense of urgency are some of the hallmarks of phishing attempts. This is a popular scam to try to get you to share valuable personal information.

The latest scam of this type has been with Zelle

Find the full article here and much more information to help you stay safe. 



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