Don’t Forget These Steps To Prevent Identity Theft.
Identity theft is a growing problem all over the world. The digital nature of financial transactions makes it easier and easier for thieves who get your information to take advantage of it for their own financial gain.
Not only do they get money and goods that don’t belong to them, but they create a load of headaches for you when they use your identity to obtain those goods. It can takes weeks, months, or even years to get it all corrected.
Identity theft protection is a great idea, but the best way to fight identity theft is to stop it from happening in the first place. No one can prevent all identity theft, but you can take steps to protect yourself. Here are just a few steps you can take to protect your identity.
1. Never give personal information to anyone who contacts you by phone, text message or email unless you have confirmed that the request is legitimate. Caller ID can be fooled to make it appear that a call is legitimate and emails and texts can be sent from hijacked accounts or addresses that may appear legitimate, but are slightly different from the real email address or phone number.
2. Sign up for the Federal Do Not Call list at donotcall.gov to avoid telemarketing calls. Here is the link to sign up for the Do Not Call List. donotcall.gov It is important to remember, however, that the Do Not Call List does not apply to charities so you still may receive telephone calls from people collecting on behalf of legitimate charities, however, you can never be sure when you receive a call purporting to be from a charity whether it is legitimate or not so never give personal information or credit card information over the phone to someone who calls you soliciting for a charity. If you are feeling charitably inclined, go to the real website of the charity where you can safely make your donation.
3. Consider opting out of pre-approved credit card offers. These can be stolen from your mailbox by identity thieves who can then apply for credit in your name. You can opt out of these offers by going to optoutprescreen.com.
– via USA TODAY
New Tricks Used By Identity Thieves
Unfortunately, crooks are always coming up with new ways to get other people’s money. With new technologies, new opportunities open up for scammers. Here’s a look at two ways that identity thieves are using new technologies and digital transmission of information to get your ID.
Your New Chip Card Opens the Door for Fraud
There’s a newish phishing scam that has reared its ugly head in New York state, after a fairly long run on the road involving EMV chip cards. It’s a pretty straightforward phishing scam. The emails look authentic — that is, they appear to be from a bank with which you do business — and they target people who haven’t received their new chip cards. The ask: your personal information to authorize the new card. There may be a link, and if you click, it installs malware on your computer or mobile phone.
TIP: If you have your chip card already and this scam poses a threat to you, you have bigger issues. If you do not have your new card and receive an email or call about it, either go directly to the issuer’s site or call them directly and communicate with a representative. Don’t take the bait!
Summer Jobs & First Jobs
New college and high school graduates, and kids home for the summer exploring the job market — possibly for the first time — are getting duped into putting their personally identifiable information (PII) to work for fraudsters via fake job scams, according to a warning from the Better Business Bureau of Central Oklahoma. Sometimes the scam is focused on collecting PII to be used in identity-related crimes, but there are other scams that involve handing over bank account information.
TIP: Check out the company online, and don’t provide your bank account number or any other sensitive personal information. While I know this is incredibly painful for anyone born after 1980, pick up the phone and call your prospective employer.
– via MONEY.com
What steps do you take to protect your identity?