Some effective ways to limit or prevent identity theft and fraudulent charges include:
- Protecting your Social Security number by not carrying the card and requesting alternative numbers from companies when possible.
- Using strong, unique passwords for all accounts and keeping them secure.
- Being cautious with personal and financial information, especially over phone, mail, or online, and avoiding responding to unsolicited requests.
- Shredding sensitive documents like bank statements, credit card offers, and receipts before disposal.
- Regularly checking bank, credit card statements, and credit reports for unauthorized transactions or changes.
- Stopping pre-approved credit offers to prevent thieves from intercepting your mail.
- Securing wireless networks, locking computers when unattended, and using antivirus software.
- Limiting the use and sharing of personal information on social media.
- Promptly collecting mail and using secure mailboxes.
- Using encryption for sensitive communications and considering a VPN for public internet use.
These practices combined help reduce risk by safeguarding personal data, monitoring accounts for suspicious activity, and preventing easy access for thieves.