Home
>
Personal Finance
>
Identity Theft ? More Tips on How it Can Be Avoided

Identity Theft ? More Tips on How it Can Be Avoided

Recent security breaches at several credit card companies continue to worry Americans, as stolen financial information can lead to identity theft. Identity theft occurs when someone obtains your Social Security number and/or other vital information and uses it to pose as you. By doing so, they can take advantage of your good credit history to open new credit card accounts or obtain loans. They get to spend the money, but you get to pay the bills. It often takes a victim a year or more to even detect that he or she has been a victim of ID theft; clearing up the mess caused by an identity theft scam can take years and can harm you personal credit report indefinitely.

We have covered a few identity theft tips in previous articles, but here are some more things the conscientious consumer can do to minimize the chances of being the latest victim of an ID theft scammer:

When engaged in online banking activity, avoid using short or obvious passwords. Names of children, family pets, favorite sports teams and the like are obvious choices and are easily guessed by thieves. Many scammers now use "dictionary attacks" to obtain passwords, which will try every word in the dictionary until the password is cracked. If you use a common name or word, you are vulnerable. If you must use words from the English language for passwords, use long ones. "TheNewYorkYankeesTotallyRock" is a better password than "Yankees." If you can, use a mixture of letters and numbers. Longer is better.

Buy a shredder. Keep important documents, of course, but shred the documents you no longer need or unwanted credit card applications that come in the mail. Thieves can and do search through garbage to obtain such things. If you don't need it, shred it.

Do not provide financial or personal information to anyone who calls you. The party on the phone may say that they are from your bank, but your bank isn't going to call you to ask for your credit card or Social Security number. If in doubt, hang up and call the institution directly. It's better to be safe than sorry.

Print as little information as possible on your checks. Don't preprint your phone number, driver's license number or Social Security number. You're making that information available to anyone who sees your checks. Print your name and address only; you can provide any other information yourself if necessary.

Don't carry your Social Security card with you. Put it in a safe place. Many people are never asked to show the card during their lifetimes, so only bad can result from carrying it around with you. Be safe. Leave the card at home. While you're at it, remove any other credit or debit cards from your wallet that you rarely use. Keep them at home and take them with you only if you need them. The fewer cards you carry the less damage that can be done if you lose them.

Anyone concerned about identity theft should make it as difficult for thieves to obtain his or her personal information as possible. A few simple steps can go a long way towards avoiding what could be a drawn-out and expensive problem.

charles essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including charles essmeier , a site devoted to debt consolidation and credit counseling, and HomeEquityHelp.com, a site devoted to information regarding charles essmeier .

disinfecting cleaning services Highland Park ..

In The News:

Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents now and for the future.

Microsoft warns Windows 10 users face serious security risks as 90% of ransomware attacks target unsupported systems. Learn why upgrading to Windows 11 is crucial.

Nike unveils Project Amplify, revolutionary motorized shoes developed with Dephy that add powered assistance to every step for runners and walkers.

Cybersecurity experts warn about one of the largest credential compilations ever found, urging users to check "Have I Been Pwned" and change passwords immediately.

Quick iPhone and Android battery optimization techniques help your device stay powered all day by turning off hidden features that secretly drain power in the background.

Kodiak Driver autonomous truck achieves perfect 98 safety score, matching top human fleets in groundbreaking AI evaluation by Nauto's VERA system.

New 401k catch-up contribution rules in 2026 will change taxes for high earners over 50. Learn how scammers exploit these changes and protect your retirement savings.

Kurt Knutsson's guide covers social media privacy protection through location settings, account privacy controls and two-factor authentication to prevent scams and data breaches.

Revolutionary retinal implant restores central vision in 80% of patients with advanced macular degeneration, offering hope where treatments once only slowed blindness.

Learn how to use passkeys on Windows and Mac computers without cameras or fingerprint readers. Discover secure authentication methods that replace passwords.

Tesla's FSD v14.1.2 update reintroduces Mad Max mode, enabling higher speeds and more frequent lane changes than the standard Hurry profile setting.

A phishing email scam targeting American Express customers shows how cybercriminals use fake urgent messages to steal personal and financial information.

Facebook's new Meta AI feature analyzes your camera roll photos to create polished collages automatically, but requires cloud processing and raises privacy concerns.

A New Jersey teenager filed a major lawsuit against AI/Robotics Venture Strategy 3 Ltd. over ClothOff, an AI tool that created fake nude images from her social media photos.

Microsoft reports Storm-2657 cybercriminals sent phishing emails to 6,000 addresses at 25 universities to steal payroll credentials and redirect funds.

Astronomers have discovered asteroid 2025 SC79, a skyscraper-sized space rock orbiting the sun in just 128 days. the second-fastest known.

The Fox News AI Newsletter delivers the latest developments form the world of artificial intelligence, including the technology's challenges and opportunities.

A cyberattack on SimonMed Imaging exposed personal information of 1.2 million patients, including medical records, financial details and identity papers.

Spotify's managed accounts for kids under 13 now available in at least seven countries, allowing parents to filter and block explicit content and songs.

Friendly text conversations about BBQs and social events can lead to WEEX gold trading scams that target older adults with fake investment opportunities.

California company Skyeports creates self-healing glass spheres from Moon regolith that generate solar power and support plant growth for sustainable lunar living.

Cleafy researchers discover fake VPN streaming app Mobdro Pro that installs Klopatra banking Trojan, giving attackers full control over Android devices.

Police departments across the U.S. and Canada are adopting virtual reality training to better prepare officers for high-pressure, real-world situations.

House Bill 469 would prevent AI systems from owning property, serving as executives, or gaining legal personhood in Ohio under Representative Thaddeus Claggett's proposal.

Public voter records expose retirees' personal details to election scammers who create targeted cons using names, addresses, and voting history data.

Identity Theft ? More Tips on How it Can Be Avoided

Personal Finance