If you are worried about hackers stealing your personal information, you should be. And, you’re not alone.
Major retailers, healthcare institutions and even the federal and state governments have all been hit hard by cyber-attacks; it's not just big business and government agencies that hackers are after. Any organization or individual who collects and stores personal information—from mom-and-pop shops to the PTA website—is vulnerable to cybercrime. Odds are either you’ve already been affected by a data breach, or someone you know has.
Once hackers gain access your name, Social Security number and other personal information, you’re also at risk for identity theft, credit fraud and potentially, even financial ruin. The funny thing is that inadvertent breaches caused by human error and system glitches are still common, the cause for nearly 49% of data breaches.1
Protecting yourself, your loved ones and your assets might seem like an overwhelming task, but there are some simple steps you can—and should—take to protect yourself. Follow these cybercrime stopper tips to keep your personal information safe and sound.
TIP I: Be smart about passwords.
While it is ideal to change passwords often and turn on two-factor authentication on every possible site, chances are you’re not doing it.
The best way to manage passwords is to employ a password management program that produces complex passwords, stores them in the cloud and allows you to invoke your passwords even from a compromised system.
These programs typically depend on a master password. It is important to know what makes a good one - the real secret to a successful password is its length. Use a long pass phrase as the master key to your password manager. The longer the better, especially if full of symbols that would not appear in any existing piece of literature. Hence “go22fly22a2222kite!” is better than “go fly a kite.”
TIP II: Be cautious with email.
Many cyber attacks are traced to “phishing” scams. These fraudulent emails appear to come from legitimate companies, local businesses, friends and volunteer organizations and direct people to a website that either asks for personal information or—when clicked upon—infects the user’s computer with malware. Be suspicious of emails that contain:
- Grammar or spelling mistakes
- Generic salutations, requests
- Requests for personal, healthcare or credit card information
- Suspicious attachments or links
If you are suspicious of an email, call the sender to verify that the email is legitimate. And if an email seems suspicious or too good to be true, it probably is. Delete.
TIP III: Freeze your credit scores.
Freezing your credit score with credit-reporting agencies makes it more difficult for identity thieves to open new accounts in your name. That’s because most creditors need to see your credit report before they approve a new account. If you want to open a new account, rent an apartment or buy insurance, you can lift the freeze temporarily (either for a set amount of time or for a specific creditor) by contacting the credit-reporting agencies. Because people do not apply that often for credit or housing; leaving the reporting-function open is an invitation to be victimized.
TIP IV: Watch for hidden vulnerabilities while you surf or browse at home and in the office.
- Turn ‘encryption’ on for all computers. Both Mac and Windows have system options that encrypt the hard drive. As a result, data cannot be compromised easily if the laptop or computer is stolen.
- Keep your operating system, browser, anti-virus and other critical software up to date.
- Be cautious with online banking. You may even consider dedicating one computer or device just to banking and tax activity, with no other browsing or activity, to limit risk of infection.
Ultimately, there are no guarantees. But, experts affirm that when hackers run up against secure information, they are more likely to move on to an easier target.
If you would like to protect your identity today, visit our Insurance Marketplace to explore our identity protection products.