There are so many forms of theft nowadays. One of the alarming crimes that are happening today is the identity theft online. Identity theft as Wikipedia explained is a form of stealing someone’s identity in which someone pretends to be someone else by assuming that person’s identity, typically in order to access resources or obtain other benefits in that person’s name. Sounds pretty scary right? Identity theft always aim at one thing, how to get access to your money. To protect yourself from this kind of fraud, here are 3 ways that would help you identify and ditch identity thefts.
1. Credit card monitoring. This may seem time consuming but it is still safer to check on your money every now and then. The new way to monitor your credit card is a service that automatically reviews your credit report daily to monitor any changes that has taken place. This means that if someone is trying to break into your accounts, you would know readily that you have been tampered. With this service, any changes have been made will be notified through your email so that you may know and can resolve the case immediately.
2. Fraud alert. Fraud alert can be acquired by filling out an online form. Fraud alert has a system that verifies first your identity before issuing the desired credit in your name. This is safe if you are in doubt that a theft has acquired information from your personal account. Fraud alert is available with Equifax, Experian, and TransUnion credit card agencies and must be renewed every 90 days of subscription. But there are bad sides to that. Fraud alert cannot protect you if someone has your existing credit card and can’t prevent them from opening accounts that don’t require a credit check like a bank account.
3. Create a strong pin numbers or password. Pin numbers and passwords of your financial accounts should not be an easy guess for the thieves. Common passwords such as date of birth, place of birth, or mother’s maiden name can be easily traced and hacked by a persistent identity theft. It is safe to assume that a strong password has a combination of capital letters and alphanumeric or any non-alphabetical characters that are far from being related to your personal information. It is also advisable to change your password from time to time.
Thieves are very much creative and persistent in getting your personal information. If you’re careless to leave any trace of your info then you’re pretty much hooked to their trap. It’s hard to say when somebody’s a crook or not most specially on the internet where you cannot readily judge a person by anything rather than the way they communicate with you. All there is to do is to learn to identify each of these crimes. Do not trust readily whomever that tries to offer you something may it be a job or a product. Remember, the more we give access to our personal information online, the more we become a victim to this supposed crime.