Its so easy to find an item online, click the shopping cart, enter your payment information and make that purchase! But are you sure that website is safe? Is it secure? Are you running the risk of being hacked? There are some behaviors to avoid to insure your financial safety. Here are several examples of the worst things you can do.
Please note that Roseville Home Insurance
and Rocklin Home Insurance
can provide some ID Theft Recovery Coverage - but it is only after the fact and does not include preventative coverage. Some people use lifelock and other services for that.
1. Ignore your bank account and credit scores. We have talked about this before. Checking your online bank statement is the fastest way to determine if someone has stolen your bank credentials and begun to make purchases. You should review your bank account regularly, especially after buying something online or from a business that you know was recently hacked. Check your credit scores as well (www.credit.com), to ensure some-one else isn’t opening credit lines in your name. It’s also a good idea to check your credit reports for free once a year at www.annualcreditreport.com.
2. Using one password for all your accounts. Yes, we know keeping track of all those passwords is a hassle. But, your passwords are often the only thing keeping you from being hacked, so make them complicated, and use different ones for every site you access, If someone discovers that an easily hacked site contains the password to your Amazon account, they could begin making purchases before you realize it -- especially if you ignore your bank account. One of our clients has a little notebook to write down all her passwords and accounts that is kept in a safe place away from her computer, and she never carries it with her. If a password needs to be changed, it gets written down. We don’t think anyone is able to remember ALL THOSE PASSWORDS!
3. Don’t bother to check website credentials. If you are shopping on a web-site that is new to you, take a little extra time to read about them. Consider the spelling and grammar, and if the information is easy to understand. Phishing is everywhere. If you don’t look to see if a website is the authentic site for Amazon or some other online shopping center, then you could easily fall prey to a phishing scheme that will steal your password. Be careful of emails as well, especially those from Nigeria!
4. Giving out your Social Security number. NEVER, NEVER, EVER give any-one your Social Security number! No one needs it for any reason. No excuses. Your Social Security number is the most valuable piece of data you possess. Hackers can set up all kinds of accounts in your name if they have your Social Security number and your address. Don't give them that chance. Keep your Social Security number as secure as possible.
5. Announcing to everyone on Facebook where you are going. We have also talked about this before. And we all probably do it at one time or another and don’t even think about it. Remember that Facebook is readily available to anyone with a computer, and if someone wants to break into your house, they can find out the best time for that by looking at your social updates. So don’t say whether you’re on vacation, and don’t make your daily schedule of when you’re out of the house available online.