Identity Theft Protection

4 Tips for Secure Holiday Shopping

Although the holiday season is known for gift giving and good cheer, it’s also known for an increase in cybercrime and identity theft. Before you get a jump start on your holiday shopping, follow these four tips to ensure that you’re protecting yourself this season.

 

1.  Watch out for gift card scams.


Lately, there’s been an increase in gift card phishing scams. Typically, an attacker pretends to be someone you know and asks you to purchase a gift card on his or her behalf and e-mail back the redemption code. Don’t fall for this common scam.

 
 

2. Make smart decisions about your smart device.


Internet-connected home devices (e.g., smart security cameras, smart light bulbs, smart speakers, Amazon Echo, Google Home) are all the rage this year, but they may not be as secure as your typical “up-to-date” computer, potentially leaving them vulnerable to attacks. When setting up your new device, be sure to check out the settings or manual to enable any helpful security features it comes with.

 
 

3.  Check your online accounts manually—without clicking on links.


Holiday season is peak time for fake delivery notifications, order confirmations, and password reset e-mails. Rather than clicking on links from within the confirmation e-mail, open a new browser window and log in to your accounts that way.

 
 

4. Consider freezing your credit.


Don’t let identity theft ruin your holidays. Now that credit freezes are free, it may be worth placing a freeze on your credit file to prevent any unauthorized accounts from being opened.

 

If you have any questions about safe holiday shopping this year, feel free to call me at 919-463-0018.

Wishing you and your family happy holidays!

Protect Yourself from Identity Theft

You, like most people, probably believe that identity theft is something that could never happen to you. Then, one day, you’re reviewing your monthly bank statement, and see a list of charges made to your account from a country you’ve never dreamed of visiting.  Just like that - you’ve become one of the millions of identity theft victims that occur in the U.S. every year.

I’m sure by now you’ve heard, hackers recently accessed the personal information of over 143 million people within Equifax’s database. Unfortunately, these hackers were able to access financial information putting many of us and the people we care about at risk.

Fortunately, there are many ways that you can protect yourself from potential identity theft and fraud. Most of these actions are common sense, but they’re often overlooked. Here are 7 tips you can follow to help protect yourself:

 
  1. Be wary of emails or social media messages asking you to log into a financial account. Your bank, mortgage company, investment account, or the IRS will never request personal information by email. Never click on links embedded in those emails; instead, always log into your accounts by manually typing the web address into your browser.

  2. Never give out personal information in response to a phone call from someone claiming to represent the IRS or a financial institution. If you get a suspicious phone call, hang up and call the organization directly for more information.

  3. Protect your sensitive information by collecting mail promptly and shredding documents containing account numbers, credit card numbers, or your Social Security number.

  4. Never use the same PIN or password for multiple accounts or websites. Doing so increases the risk that a single attack could compromise your identity or result in fraud.

  5. Monitor your financial and credit card statements carefully to identify suspicious activity. If you find fraudulent transactions, report them to the relevant institution immediately to reduce your financial liability.

  6. Check your credit report often. You can check your report for free at creditkarma.com. If you find fraudulent accounts or activity that you don’t recognize, immediately file a report with all three agencies.

  7. If you don’t anticipate purchasing a home, new car or opening a new line of credit, you may want to consider placing a security freeze with the three different credit bureaus. You can learn more about this by clicking here.

 

No one wants to be the victim of identity theft, and it’s up to you to control whether or not you are adequately protecting your personal accounts and information. By following these tips, you will be on the path to stronger security. If you would like to discuss ways to deepen your protection from identity theft, we are more than happy to help.