Identity Theft Prevention 101
Identity theft is nothing new, but it has become a much more common problem in the digital age, since information is so readily available through an electronic medium. What’s more is that there is no type of identity theft prevention that can guarantee the safety of your information. Fortunately, there are steps you can take that will reduce the odds of facing identify theft. Skip high-priced identity theft protection packages and follow these steps to keep your information as safe and secure as possible.
Check Your Credit Regularly
Your credit will be a good indicator of the security of your sensitive personal and financial information, since your credit report will show any new accounts opened, delinquent accounts, and other signs of trouble. However, frequent credit inquiries can damage your overall credit score, so you might only look at a full report once a year and do a soft credit check to see your score each month. Your score alone can tell you a lot, since severe drops might indicate unsavory activity. In addition, you should keep an eye on your credit card statements and bank accounts for any suspicious activity.
Be Wary of Where You Enter Your Information
The era of online shopping means that you might put personal and financial information into various websites, so be sure that you know how to spot one that isn’t trustworthy. You should be able to view a security certificate for a given website, and there should be a symbol noting the secure checkout system that a website is using, so you know you are not surrendering your information to just anyone.
Add Extra Security Measures Through Your Bank
Your bank can help you stay protected from identity theft , too. If you suspect any strange activity, you can put a hold on your credit cards and bank accounts. You can also require that account access involves a multi-step process to verify your identity, such as an additional password or pin.
If you have any questions about identity theft protection and other aspects of your financial health, direct them to Mountain Valley Bank in Steamboat Springs, CO. You can get to know their banking products and discover their dedication to exceptional customer service by calling (970) 870-6550.