We’re all at risk to identity theft. We read a lot of horror stories about people’s lives being turned upside down due to unscrupulous behavior of thieves. Am I making sense here? Having a paper shredder at home, or not revealing our private financial information unless absolutely necessary is not enough, we all know that.
That being said, here’s some ways to further reduce our risk:
- We do banking online. When visiting ones bank online, make sure you always go directly to your bank’s website. Do not use a link in an email to access your bank account, as it can be a part of a phishing scheme.
- Get rid of credit card offers by calling a hotline (1-888-567-8688) to stop these offers. Believe me, I did this a few years ago and it works. You will still receive offers though by the companies you do business with, but the offers coming in has been significantly reduced. Thieves can steal these offers and use them to open new accounts in your name.
- Read all your mail, even if you think they look like junk. Reason being, when a thief has opened an account in your name, the statement comes to you. Notices from collection agencies re: purchases you never made are sure signs that you’ve been victimized.
- Post a fraud alert if you think or suspect your identity has been stolen. A free 90 day alert can be had with the three credit bureaus. To check for more information visit: privacyrights.org.