There will come a time when you will be shocked to realize that someone has stolen your identity. This is never a good experience and can completely ruin your life. Most who have experienced this horrible act often find themselves fighting against it for years. It can be hard to reclaim your name after someone has snatched it from you and ran up your credit cards. Here are some ways you can protect yourself from identity theft.
We all know that in today’s world everyone wants that convenience to purchase goods and services right from their own couch. This might be all well and good, but you do have to think about how this will affect your credit life and identity. Many thieves and scammers are just waiting to find a purchase where they can snatch a credit card and use it for their own. Be extremely cautious buying stuff online. Only purchase from those sites that have proven security and they state it on the site itself. Don’t get sloppy and start buying from anywhere. You need to be familiar with what sites are validated with security. It also doesn’t hurt to pick up the phone and ask a few questions before you purchase anything.
If you have many accounts with merchandisers or services, then make sure you change your passwords frequently. Passwords should be changed at least once a month if not every week. Try to come up with unique passwords that are bulletproof and no one can solve it. Too many of us come up with silly and lame passwords any scammer can crack. Further, there are applications that help you authentic passwords as well.
Many businesses offer a two-step identification that goes directly to your phone. Several companies online are catching on that customers are demanding more protection when getting their goods online. If you use a password generator, then make sure it’s a legit site.
Probably the best thing you can do to see if your identity is stolen is check your credit regularly. Make it a point to see if anyone is using your social security number in another country. With identity theft on the rise, several credit companies offer a service where they can scan the dark web for you. This is where you can find some funky activity that might be associated with your social security number that you are not aware of. Once something comes up, credit businesses can teach you how to freeze your credit to stop any further theft. This is a handy feature to have if you are ever a victim. Call you credit company to see if they offer this, if not, then move to another business that does.
Your credit is everything as it can help you get a home, car or any desired big purchase. When your identity is taken from you a ton of problems will come your way. You can spend months trying to dispute charges on credit cards that you didn’t make.
Identity theft is our new reality as technology grows faster and faster. We have to learn to protect ourselves online when getting desired goods. Don’t take it for granted that the site is legit.
Change your passwords as often as you can. Try to think of hard to crack passwords so no one can get your into your privacy. Take advantage of two-step authentication that is offered to you on all of your accounts. Hesitate being lazy and using simple passwords that anyone can’t break. As for your credit, check it daily. You need to know if there is a suspicious new account under your name and why your current card has jumped in expenses. Take advantage of credit bureaus who offer to track your social security on the deep dark web. You’d be surprised to see what they find.