Every other day or so the headlines notify us of another compromise of personal information. It’s wise to know what to do if you discover your personal information has been compromised, even if you’re not completely sure it was misused.
The basic warnings signs for identity theft are:
- Unexplained withdrawals from your bank account.
- Courtesy calls from your credit card company asking about charges that you did not authorize.
- The Internal Revenue Service (IRS) notifies you that more than one tax return was filed in your name.
Staying informed is your first line of defense against identity theft, credit monitoring can help you do just that. Credit monitoring helps you distinguish suspicious activity with your information, such as:
- Inactive accounts that suddenly have activity on them
- A line of credit you didn’t open
- Your personal information is incorrect
- A good standing account is in collections
- A credit inquiry you didn’t apply for It also is an important part of credit repair and maintaining good credit.
Some extra precautions could be avoiding some things that put you at a higher risk of identity theft like,
Using unsecured WI-FI. As tempting as it might be to sit at Starbucks and sip your latte while going over online banking statements don’t! Unsecured, public Wi-Fi is just that, unsecured. Those sitting around you are on the same open network and can get access to your information easily. If you need to log on to your banking website, wait until you get home.
Keep your phone secure. Make sure you take advantage of the passcode or thumbprint scan to get into your phone. Keep Bluetooth turned off when you aren’t using it and register with iCloud so you can remotely wipe your phone if it gets stolen.
Don’t open emails that look strange or suspicious. These are often phishing scams using fraud to gain access to your personal information. Read email subject lines carefully before you open an email, click on the links, or download attachments. And always be on high alert if they ask for personal or financial information.
If your personal information has been lost or compromised notify your banks and credit card companies and close all your accounts. Remember, we can definitely help each and EVERY situation, please give us a call at 844-FIX-URCR or http://bit.ly/csaelpappt to schedule your FREE consultation
*Individual results may vary. Please call for more details and to discuss your own individual situation.