Identity theft is one of the most lucrative and common crimes in South Carolina. The consequences can be severe. Victims must deal with the trauma and the potential financial harm. For example, a bad credit score could prevent anyone from getting credit.
Every day, hundreds of Americans receive phishing emails and other online frauds. Hackers design these tools to breach the security of their victims’ accounts and steal identities.
Improving or checking the security of your information is vital. Following are five tips to prevent identity theft.
Login protections
To prevent identity theft, improve login security. Seek extra protection by, for example, installing a two-factor authentication app. It will secure your mobile account and online services.
The app requires you to complete extra security checks to verify your identity. Another recommendation is to enable sign-in notifications on unrecognized devices.
Set up alerts for purchases, low balances, and more. Customize them and choose to receive them by text or email.
Use caution when sharing personal information
Individuals often use credit cards, debit cards or other payment methods. Be careful about whom you share your information with. Also, check your financial accounts for unusual activity.
If a company, school, or hospital requests information, ask why they need it and how they will protect it. Also, ask for alternatives if you prefer to keep it private.
Do not share personal information over the phone, especially if you receive a call from an unlisted number.
Be aware of frauds and phishing attempts
Do not open attachments from suspicious emails and always verify the authenticity of requests for personal information. The South Carolina Department of Consumer Affairs could be useful for getting alerts and information related to common fraud and identity theft tactics.
Check your credit report regularly
Track your credit report for mistakes, suspicious behavior, and unauthorized deals. South Carolina residents can get one free annual credit report.
Protect your personal information
Destroy documents with personal or financial information. This includes bills, bank statements, receipts, loan applications, and expired credit cards.
If you notice a delay in getting your financial statements, act quickly. This will prevent potential identity theft.
What are the next steps if you suspect identity theft?
Immediately report any suspected theft to your bank. Also, contact an attorney with experience in identity theft to provide professional guidance to understand your legal options.