Every two seconds, someone’s identity is stolen in the U.S., according to data from the Federal Trade Commission. That’s a startling statistic. While identity theft is likely to affect you or someone you know, there are things you can do to help protect your identity from this growing crime.
- Freeze Your Credit (until you’re ready to use it). The three main credit reporting agencies (TransUnion, Equifax, and Experian) allow you to freeze your credit for free. This move blocks criminals from opening credit in your name. Even better, you can unlock the freeze anytime when you need to apply for credit, then re-freeze it for protection.
- Scrutinize Every Email, Text, and Call. Every email, text message, and phone call is a potential threat to your identity. If you’re unsure about the authenticity of a message, delete it. If the company or person is legit, they’ll find another way to connect with you.
- Clean Up Social Media. Have you ever answered online questions about your family or places you’ve lived? Hackers harvest answers to common security questions from Facebook and other social media. To protect yourself, look back at your history and delete anything that could be used to steal your identity. Then, avoid participating or sharing too much via social media.
- Avoid Public Wi-Fi. Criminals can easily watch where you go, what you do, and any passwords or usernames you utilize when you’re on a public Wi-Fi. If you must use public Wi-Fi, employ a VPN (Virtual Private Network) to shield your private details.
- Update your devices automatically. Software vulnerabilities are constantly being exploited by hackers and criminals. Thankfully, companies like Apple, Android, and Microsoft are always working hard to fill those openings and keep your data safe. To get the most from those safety updates, choose automatic software updates for your phone and other devices.
Protect Your Identity with PAHO/WHO FCU
A stolen email address is one of the most common forms of identity stolen in a data breach. Visit HaveIBeenPwned.com to see if your email address has been compromised. If it has, it may be time to get a new one. Not sure how to freeze your credit or identify fraudulent emails? Stop by or call. We’ll be happy to help.
Boost Your Financial Wellness
More Financial Wellness Matters blogs on topics ranging from financial self-care to protecting your financial health are coming soon. Twice a month, we’ll dig a bit deeper into the relationship between financial health and overall well-being, shedding light on the behaviors and beliefs that drive money relationships. With simple tips and proven insights, we hope to enhance your financial well-being and help you live a healthier, happier life.