How to Prevent Identity Theft

Identity theft is accessing the resources of other person in a fraudulent manner. In this, an individuals’ identity such as credit card and other benefits are hacked and used by another person for his benefits. The victim suffers from some severe consequences as well as the person who uses the authorities illegally will also have to undergo through some severe consequences if caught. Here are some tips that will help you know how to prevent identity theft.

Some of the other terms used for identity theft are identity fraud, identity cloning, and impersonation. Having access to someone’s identity is a challenging task to do, but nowadays due to advanced technologies, it has become more common and easy. Therefore, you may find many such cases nowadays. It is essential that you know to spot the trouble when it stars as well as reduce the risk of identity fraud.

There are many techniques of identity theft. Some are easy, while some are sophisticated ones that require skill and expertise to accomplish the task. An identity thief looks for the PII information and other personal data and PIN numbers to gain access to the credit cards and e-mail accounts more commonly accessed. The waiters can write your credit card number while you are swiping your card, cards can be stolen from your purse, someone close to you may look for the passwords while you are entering it, your e-mail account password may be hacked using hacking wizards, etc.

Taking precautionary measures while handling your accounts will help you prevent identity theft. Here are some tips that will help you in the same.

Preventing identity theft:

  • Do not carry many cards in your wallet. Stealing wallets is the easiest way of identity fraud. They can easily have access to your cards. Some people have the habit of writing down the pin of their card and keeping it in the wallet. This should not be done. You should remember your pins.
  • If you have many cards, keep all the pins same, it will make it easier for you to memorize them when required.
  • Carrying a credit card with you is always safer than carrying a debit card. It assures you much more safety.
  • While buying products online, make use of credit cards rather than debit cards. With credits cards you have better safety and benefits.
  • When you are using your cards in restaurants and shopping complex, pay close attention towards the person swapping your card. They may use a small hand held device to access the information of your account and use it later.
  • Never give your credit card numbers, passwords, SSN or any other important personal information to anyone. Never send them to anyone through e-mail or through phones, etc.
  • Never dump your credit card slips, tear them and throw them in the garbage bins.
  • When you visit a bank to deposit or withdraw cash or for any other purpose, never allow writing your credit card numbers on the checks or anywhere. This is against the rules.
  • Get the transaction report of your account at least once in every 4 months. Keep a check on the transactions. Sometimes, you may never know that some of your information is hacked and used by someone else. It is essential that you identify the risk at an early stage to minimize the loss.
  • File a complaint as soon as you notice that you are a victim of a credit card fraud and block your account for time being.
  • When creating passwords, be cautious and use those passwords that are strong and cannot be easily accessed by others. Avoid using passwords that include your birth date, pets’ name, your name, etc. Such passwords can be easily accessed. Use complicated passwords that cannot be accessed by anyone and you can easily remember them.
  • Change your password frequently this will help you in protecting your passwords.
  • Never disclose your SSN numbers unless it is necessary.
  • In some places if someone demands your SSN number, ask them for alternatives. Use them only on your income tax forms, stock and property transactions, etc. with the help of your SSN number these thieves can easily access your credit cards and banking accounts.
  • Never carry your SSN cards in your wallets. Keep a photocopy with you, if required.
  • Email accounts password should also be changed frequently. When you are sitting in a café to access your account, make sure that no software is installed in the system that can record your password while typing it or hack your password.
  • Make sure that you log out from your account properly and delete the history whenever you log out.
  • These identity thieves may hack your password, and access your bank accounts and withdraw credits by your name, which can be dangerous.
  • You may get mails that declare you as the winner of some award and reward you some prize money. They may ask you for personal information such as account number, credit card number, etc. Never respond to such mails.
  • There are many “phishing” mails that may ask you to visit their site and provide information about you and guarantee a gift for you.
  • In your personal computer, install firewalls so that hackers cannot hack important information from your system easily.
  • Limit the access to your accounts and limit transaction of money through your accounts. This will help you reduce the risk. Access your accounts only when necessary.
  • Keep your accounts information and personal security information in your house in a secured place, which cannot be accessed by anyone. Keep them in safe locks.
  • While buying products online, prefer using those sites that provide you extra security while buying products.
  • When you dispose a computer system, hard disk or a CD that contains some important information, you should use strong utilities that will ensure you that the data is properly destroyed from them. Do not simply delete or format them. This will not delete the data completely. You can also break the CD or DVD if you want to destroy them and use powerful software to clear the data from the hard drives.

Following the suggestions given above, you can easily protect your important personal information and passwords from the thieves.

Related Content:

  1. How to Prevent Credit Card Fraud
  2. How to Prevent Employee Theft
  3. How to Prevent Auto Theft
  4. How to Protect Credit
  5. How to Prevent Hacking

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