More than 40 percent of Americans have experienced fraudulent credit card charges. With the increase of online shopping and banking, fraudulent card use shifted in 2016 from stolen or counterfeit cards being used in-person to the account numbers being used remotely. This means it is more important than ever to regularly check statements. While your card may be in your wallet, that doesn’t mean it isn’t being used by a criminal somewhere.
Checking your credit report regularly helps to ensure that someone else isn’t using your name to open credit cards, apply for loans, or start new utility services and leaving you to foot the bill. Fraud that impacts your credit report can decimate your credit and good standing, making future financial decisions even more complicated and costly.
We need to manage our identities just as we would other aspects of our physical, financial and emotional health. Identity hygiene refers to ongoing proactive maintenance that individuals, families and organizations take to ensure that their sensitive information remains as safe as possible.
Passwords remain the most common form of protecting accounts of all kinds and are incredibly important in maintaining good identity hygiene.
Even though the train has left the station with our information held by Equifax, purchasing Identity Theft insurance now, can provide protection for the risk of years to com
Even seemingly harmless posts can help criminals crack passwords, steal identities and commit burglary. By optimizing your privacy settings and being mindful of what you share, it is possible to minimize the risk of your personal information falling into the wrong hands.
While cyber criminals often use sophisticated tactics, you can significantly reduce the likelihood of victimization by knowing the dangers heeding these 7 common-sense safeguards against identity theft.