Keeping Your Identity Safe
Identity theft is a growing problem that can be completely devastating to both your reputation and your finances. According to Javelin Strategies, a prominent research firm that often reports on identity theft, incidences of the crime have increased by 11% from 2008 to 2009, and will strike one in every 20 Americans this year. The statistics rise considerably if you are a young adult, especially those who are away at college. These individuals are likely to use library computers or share computers in their dorm rooms with roommates and others who they do not know very well, or use social websites where they may innocently post personal information that can be used against them. Whether you are a young or seasoned adult, here are a few tips that could help you avoid a bad situation.
- Only Make Purchases On Trusted Sites. The best way to make sure that your information doesn’t get intercepted is by simply sticking with trusted, well-known online retailers, or smaller sites that use reputable payment processors like PayPal or Google Checkout. Regardless of which site you use, you should always make sure to look for the padlock icon on the bottom of your browser to verify that the page is safe.
- Secure Your Network. If you have a wireless network at home or work, make sure that you secure it. A hacker can gain access to anything you do over an unsecured network in a matter of seconds. If you look at the documentation for your wireless router, you’ll be able to find out how to lock your router and encrypt your information. It won’t affect the way you use your wireless network, but it will keep intruders from getting a hold of your information.
- Don’t Store Personal Information on Non-Secure Web Sites. As more and more useful Web applications start springing up (like Backpack, Facebook and Google Calendars), it’s important to make sure that you’re not storing sensitive data on non-secure Web sites. While online calendars, to-do lists and organizers are really useful, make sure that your account numbers and passwords don’t make their ways onto these sites, which often aren’t protected the same way a banking or brokerage Web site would be.
- Don’t Put Private Information on Private Computers. If you’re away from home, make sure not to save private information onto a computer used by the public. If you’re accessing a private account at the library or cyber café, make sure to log out completely from your accounts, and never choose to save login information (like your username or password) on these computers.
If you will follow these tips and a little common sense, you can greatly improve the odds of becoming a victim of this devastating crime. It is also good advice to enroll in an identity protection program like LifeLock , Trusted ID, or Identity Guard. I personally use Identity Guard for there computer security suite, but all three are reputable companies that offer a relatively inexpensive service when compared to the cost of your identity being compromised. Here are the links to free trial offers for all three if you would like to take one for a test drive.
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