Avoiding Identity Theft

Avoiding identity theft is becoming more difficult every day. Thieves target much more than credit cards these days; they may steal social security numbers, driver’s licenses, passports, green cards, visas, addresses, tax returns, phone numbers, and more. It might seem nearly impossible to avoid identity theft altogether, but there are some measures you can take to protect yourself from crime.

Guard Your Phone

Most of us have become thoroughly attached to our phones. So much so that the majority of our personal information is stored inside. While it is certainly convenient, it can also be a nightmare if your phone is lost or stolen. To protect yourself and your information, password protect your phone with a code, fingerprint or facial recognition software. There are a plethora of apps on the market that will help you to identify unwanted callers and potential thieves. Additionally, store the information in a place an identity thief may not think to look such as a document titled, “family recipes” or “medication schedule.”

Password Protection

Most websites offer password protection, often including several layers of security. Features may include multiple secret questions, pin numbers, or secondary verification through email or text. While those are helpful features, they won’t prevent an identity thief from pulling that information from your computer if it’s not protected as well.

Identity Theft Monitors

As identity theft grows, so do the number of companies that offer protection. Information can be obtained in many ways, including a breach of credit bureaus, credit card or utility companies. You may not know for months if your information has been stolen. While companies typically assist in fixing the problem, it can take years to get things back to normal.

If you’re going to invest in a monitoring company, do your research to find the one that best fits your needs.

Limit Card Use

Using a card instead of cash has its benefits. It eliminates the need to carry cash or checks and, in some cases, it’s much faster to get service. It is also easy to track expenses. However, thieves are always developing new ways to steal your information and use it for gain. Try to limit your card use when shopping in grocery stores and gas stations where it’s easy for someone to peer over your shoulder and get your information. They often employ tools like gadgets that can swipe your info at gas pumps or as you pass by, completely unaware of what is happening. You can also get theft prevention wallets that will block electronic scanning of your cards.

Shred Documents

It might seem simple but shredding your documents is an effective way to deter theft. You might reserve the shredder for financial documents when, in fact, identity theft can occur with less sensitive items such as phone bills, magazine labels, and junk mail. If something has your name and address on it, be safe and shred the item. If you have a large amount of material, use a commercial shredding company or burn it.