Yesterday I revealed my status as an identity theft survivor.
My identity was ripped off nearly a decade ago, yet the sting is ever-present.
A former colleague of mine was the perpetrator. Looking back, it was probably very easy for him to obtain access to my computer since we worked just a few cubicles down from each other.
Hacking is just one of the ways thieves can gain access to your personal information and ultimately steal money from you. However, according to new reports, very few people realize that cybercrime is taking place, even after their sensitive information has been collected by bad guys.
In order to protect your hard-earned cash, your identity, and more importantly, your peace of mind, there are some steps you should take:
*Carefully monitor your accounts online, this includes your bank accounts and credit card accounts.
*Review your credit bureau information, at least once a year.
*Never provide personal financial information over the phone, especially PINs or account numbers, unless you placed the call directly to your bank or credit card company.
*Install and regularly update firewall, browser, anti-spyware and anti-virus security software on your personal computer.
*Don’t input your Social Security number or any other sensitive information on your work computer.
*Don’t carry Social Security cards in your wallet.
*Don’t leave sensitive documents, such as bank or credit card statements out in the open.
Finally, consider banking online rather than dealing with paper statements. Provided you are using a secure computer, completing transactions and monitoring accounts online provides a strong security advantage since it can detect potential fraud much faster.
If you suspect that your identity has been compromised contact your bank or credit card company immediately. Workers there will help close accounts that have been tampered with and minimize losses in the most expedient way possible. They may also help you place a fraud alert on your credit report or assist you in obtaining a credit freeze.