Simple Identity Theft Protection

How many of you bank, shop, or transact otherpurporting to be from your creditors or financial
business online? There are at least 4 millioninstitutions asking you to validate your account
Department pf Defense employees that access theirinformation. Call them instead, if you believe it is valid.
pay records online only. Even offline, stored financialMost financial or credit organizations will never send
data can be placed at risk in computers that are usedyou an email unless you have asked to receive
on the Internet as well. As one of the fastestaccount updates. The last thing you need to be
growing crimes in America, identity theft is a concernaware of online is who you are doing business with.
for everyone.A criminal gaining access to your bankBe careful about providing your credit card numbers
or credit card accounts or personal information canonline. While ensuring the site is secure is absolutely
wreak havoc with your credit and leave you holdingthe bare minimum, ensuring the vendor is honest and
the bag. Protecting your personal data at home andkeeps your data secure is necessary too.Offline, you
online is not too painful and lowering your risk for ashould secure any financial, health, insurance, or other
reasonable effort level is well worth it.Before wedocuments containing your personal information by
tackle the computer and online environment, let'susing encryption and password protection. Most
take a quick look at your other home risks. Yourfinancial software packages have this feature built in.
garbage can and mail box are prime targets forUse it as well as Windows encrypted folders to
identity thieves. Bills, old checks, financial statements,make your private data secure from undetected
credit offers, the list goes on. All of these documentsSpyware, or short term physical access to your
need to be shredded with a crosscut shreddercomputer by a criminal. Don't use Windows
before discarding and mail should never be left in theauto-logon features and always use complex
mail box for long. Arrange for someone to pickup mailpasswords that are at least eight characters long,
if you are going to gone from your home for morecontain numbers, letters, and both upper and lower
than a day. In short, anything with your full namecase. Never use a common word, name, or other
combined with any other sensitive information shouldeasily guessed password. Something like T8$f~lly can
be shredded before discarding.Phishing and socialbe easy to remember, though very hard to guess
engineering are methods to get you to divulge yourand extremely time consuming to hack. Finally,
data to a criminal by making you believe the criminalchange all of your passwords frequently and use a
represents an organization or interest with access orsecure password manager to keep them
rights to your information. Any phone call you receiveorganized.The last thing you need to do is monitor
from someone requesting your personal informationyour accounts and credit. Keep on eye on your
or credit card numbers should be suspect. Request afinancial account activities and your credit record. If
way to call them back via the organization's publishedyou notice something amiss, call the financial
numbers and verify the number is associated withorganization or credit reporting agency and report it,
the organization before proceeding. Suspect goodchange your passwords and pat yourself on the back
deals that come to you out of the blue via thefor catching it early.My own Yahoo account was
telephone or any other method. If it sounds toorecently compromised. While this wasn't a costly
good to be true, it probably is.Now for youridentity theft situation, it did put my name on some
computer, there are a few things you should do here.rather unsavory low-level spam operations. A
Your online activities pose the greatest risk. Youpassword change was all that was needed to shut
need a hardware, or good software firewall. Youdown the activity.Follow the directions I've provided
need good Anti-Virus and Anti-Spyware software.and you will lower your risk of identity theft and
The software versions will need regular updates tofraud related debts to almost zero. Keep in mind that
keep ahead of the hackers out there.You also needif you have Bill Gate's level of assets, you are in a
to take some precautions with your own personaldifferent class of high risk targets and should hire a
online and offline habits. Online, you should usesecurity team to manage those risks and lower your
different, complex passwords for each identityinsurance rates. You can also call me and I'd be happy
related account you access. You should set yourto help you put that together. ;-)Lyle Sharp -
browser security settings as high as possible forPresident Advotech, LLC
general surfing and avoid clicking advertising links fromA small to medium business IT services provider
unknown vendors, or links in emails that come fromthat specializes in affordable secure systems and
unknown senders or are out of character for thepractices.
known sender. Never follow links sent via email