Avoid Being Victimized of Identity Fraud

Identity Fraud occurs when somebody acquire keys items of another person’s identity with the intent to commit fraud. Name, date of birth, social security number, account numbers, passwords, personal identification number etc. can facilitate a criminal to impersonate another person.

In order to avoid being victimized of identity fraud you need to be quite careful for following mentioned points.

Your Online Information

  1. Be aware of email and online fraud activity to protect yourself. “Phishing” is use to describe activity where websites are copied and phoney sites are established to acquire personal and account information. Be alert and take these steps.
  2. Protect your account and password information. Do not record or save your usernames or passwords on any computer, even your own.
  3. Do not use your credit card or cheque card number on the internet transaction and the site has a secured,encrypted system.
  4. Sign up for internet banking and check your account activity regularly.
  5. When going to any bank website, go directly to the address line and type the address – do not use any more link that may be give to you.
  6. Protect your home computer by running antivirus software.
  7. Install a personal firewall to prevent unauthorized access to your home computer.
  8. Delete any suspicious emails, without opening them, if you do not recognize the sender.

About Your Passwords & PINs

  • Change all your password regularly, including ATM and internet banking passwords.
  • Make unique passwords.
  • Memorize your passwords.

Personal information

  1. Keep your social security card in a safe place. Don’t carry it in your wallet.
  2. Do not put outgoing mail in your home mail-box – take it to a postal box and pay your bills online with free internet bill pay.
  3. Make a list of your account number, with customer service numbers, and keep it in a safe place.
  4. Shared all personal documents and unwanted mails.
  5. Monitor your bank and credit card statements every month.

While Writing cheques

  1. Write as many cheques as possible using a special pen with tamper-proof ink.
  2. Carry only as many blank cheques as you may need.

Phishing

  • Phishing refers to trippy communications designed to get customers personal, financial, or account information.
  • Phishing occurs when criminals make fictitious phone calls or emails that seem to be from trusted companies,financial institutions in trying to get your confidential information.

Recognize Phishing Attempts

  1. Any unknown phone calls, emails or text messages that asks you to confirm, update or otherwise give personal information is a fraud. Legitimate companies will never ask you for sensitive account information via unsolicited phone calls,emails or text messages.
  2. Many phishing attempts try to scare you with the idea that your account will be closed or suspended if you don’t give confidential information immediately.
  3. Sometimes phishing attempts will give fake contact information to make you feel more comfortable.

Final Thoughts

Be aware of email and online fraud activity to protect yourself.If you’ve detected fraudulent activity, notify the monetary establishment wherever the fallacious activity occurred 1st in order that they will freeze your account. Depending on things, you’ll need to file a grievance with the FTC ( ‘Federal Trade Commission’) and your native department of local government, as well as investigate all of your other accounts. And keep a vigilant eye on that credit report.

This blog is contributed by Mehta Robin

Robin is Web Designer at Value Creation. His key strength is Graphic Design. He is a movie buff and likes to read and listen music. He is always game for experimenting his skills and learning new things happening around.