Five Ways to Help Combat Identity Theft
Identity theft is something that we should all be concerned with, so we all need to be taking the appropriate precautions to make sure our identities are secure. You are the only one who is truly bothered about making your identity secure, so make sure you are making use of common sense to ensure you don’t become identity thefts next victim. You may also consider making use of an identity fraud protection solution.
Because it is in your control to make sure your identity is safe, you should consider following the below tips. You might also want to consider making use of a personal identity theft service.
1. Mail security: The mail you receive on a daily basis probably contains a lot of valuable personal information. This includes bank statements and applications for credit cards which can be used to steal your identity. Consider opting out of receiving applications for credit and begin to receive your bank statements delivered electronically, so that you eliminate a lot of valuable personal information from the regular mail.
2. Use a debit card in place of credit card: Every time you use your debit card as a credit card, you are opening yourself up to have your account information stolen. Remember that items bought with your debit card cause money to almost immediately come out of your bank account, so if your card number is stolen, your bank account could be emptied very quickly. Use a real credit card so money isn’t taken directly from your savings or checking account.
3. Check writing: When you use checks for a purchase, your checking and routing number is out in the open for anybody to see. Sometimes this is all that a thief needs to steal your money. Quit writing checks and pay with a credit card or electronically.
4. Virtual credit cards: These days many banks are offering virtual credit cards. These are issued as a one-time use credit card number that is then used to facilitate purchases like a normal credit card. This keeps your actual credit card numbers away from criminals.
5. Copy personal information: Keep a record of all of your financial institution account numbers, including credit card numbers. You should also keep duplicates of your important documents of personal nature like your passport and anything else of importance. You will need these copies if you ever find that any of these documents are lost, or if someone ever steals your identity.
By following the tips outlined above, you are well on your way to protecting your identity. One other thing you should think about doing is to subscribe to a protect your identity service. Doing so will help with making sure your identity is secure so that identity theft is never anything you have to deal with.
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