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Saturday, November 19, 2011

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You are here: Home / identity theft insurance / 6 Steps to Help You Prevent Computer Identity Theft
6 Steps to Help You Prevent Computer Identity Theft

May 13, 2010 by  
Filed under identity theft insurance

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Introduction – Identity Theft

The modern world, with all its sophisticated technology, still has a problem with identifying identity theft when it occurs. There are companies sprouting up that promise to secure your identity, and make you aware if anything happens in regard to fraudulent transactions occurring in your name.

There are measures you can take yourself that can reduce the possibility of identity thieves stealing your personal information. It is all about being very careful with any items that contain any of your details; one slip up could result in years of dealing with lawyers. Even though the steps below may seem irrelevant to protecting yourself from computer identity theft, they all can be used in relation to computer fraud.

Step One

Buy a paper shredder and shred any letters, bills and credit card statements before you throw them in the trash. In fact absolutely everything and anything that has you personal information printed upon it should go through the shredder. Make sure you get into the habit of checking through your bank statements and credit card bills. If anything does not look right or is an obvious fraudulent transaction then notify your issuers right away.

Step Two

Be extremely careful when dealing with companies online. Get into the habit of not trusting websites that ask you for your personal details. Only use online stores and online banking if you are absolutely certain of who you are dealing with. Even then be very skeptical and scrutinize every detail. Fraudulent websites can be set up to look like your online banking facility. Always type the URL of your banking facility into your browser.

Make sure your computer has a full version of security software on your computer such as Norton. And always use secure servers where you get the opportunity. Your bank should be using secure servers.

Step Three

Be careful with your social security number (SSN), if this item of personal information is leaked to anyone that shouldn’t have it then disaster could soon follow. If you suspect your SSN has been stolen you must contact the authorities right away. This number is a very important identifier as to who you are; this is one of the items that identity thieves will do anything to get hold of.

Step Four

Be wary of people behind you in the queue at an ATM; always check the cash point card reader for suspicious looking devices. Keep you PIN hidden, stand in front of the keypad, cover the buttons as you type in your PIN and certainly do not say your PIN aloud when you type it in. trust me it does happen!

Hide the keypad when swiping your debit card to pay for goods in a store, and always make sure you keep an eye on your purse, wallet and pockets when you put your cards away. Make sure they are secured straight away, and if they go missing, then call your card issuer right away and notify the police.

Step Five

Keep tabs on your credit report; this is a great way of discovering fraudulent behavior if it happens. If you see anything that should not be there, call the companies involved, notify the credit bureaus and speak to the police.

Step Six

It is a good idea to get Identity Theft insurance cover on all your bank accounts and credit cards, if you can find a cheaper insurer just make sure they cover for all eventualities and a good cash figure.

The first step in taking command of your credit and your life is to find out where you stand. How’s your credit score? 0-600 Poor, 601-680 Fair, 700-774 Good, 775+ Excellent. Find out your score now! There are no excuses since you can get a Free Credit Score!

See your Credit Score for $0 at CreditReportViewer.com. It’s Free and available in seconds.

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