Identity theft can start with one exposed detail: a Social Security number, a password, a bank statement, or even your phone number and home address. The consequences can include fraudulent accounts, stolen funds, damaged credit and months of cleanup.
Fortunately, a few habits can reduce your risk.
Keep sensitive documents secure. Leave your Social Security card at home, shred financial paperwork before throwing it away, and collect mail promptly.
Use a unique, strong password for every online account. A password manager makes that easier. Also, turn on multifactor authentication for your email, bank and social accounts — it can stop criminals even if they steal your password. And avoid clicking unexpected links in emails or texts; visit the company’s official website or app instead.
Check your bank and credit card activity regularly for unfamiliar charges. Closely monitor your statements and keep an eye out for unusual activity. You can also review your credit reports for free through AnnualCreditReport.com.
Freeze your credit. For added protection, freeze your credit with Equifax, Experian and TransUnion. It’s free, does not affect your credit score, and stops scammers from opening new accounts in your name.
Reduce the personal data available about you online. Data-scrubbing service Incogni removes your personal information from data brokers and people-search sites, reducing the details scammers can exploit.
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