Secure Your Financial and Personal Information - Online and Off

September 2015

Data breaches. Phishing scams. Identity theft. Malicious software. Lost or stolen wallets and credit cards. These are just a few of the ways through which our personal and financial information is being attacked – online and offline. Here are a few steps that you can take to make sure that your information is secure.

Keeping your accounts secure

Keep an eye on all of your accounts by regularly checking your transactions. Set up alerts so you are notified when there is activity in your account. Immediately report any transactions that you didn’t make.

Consider putting a security or credit freeze on your account at each of the three credit reporting bureaus: Experian, Equifax, and TransUnion. This is the most effective way to prevent any new credit being opened in your name in the event your information has been compromised. There may be a small fee to add or lift a freeze. Remember to lift the freeze before you apply for new credit.

Enable two-factor authentication where offered. Two-factor authentication (or authorization) uses a password and a second method to verify your identity. The second method is typically a single-use code sent to you by text or email.

Make Sure That You're Securing:

  • All of your accounts - bank, credit card, etc
  • Your mobile devices
  • Your other devices - laptop, computer

Keeping your mobile devices secure

Download apps only from the official app store for your device. The official app stores regularly check apps for malicious behavior.

Mobile devices have built-in security. Removing the manufacturer’s and carrier’s restrictions (called jailbreaking) disables data protection and application validation.

Regularly installing app and system updates can help fix security issues and other bugs.

Keeping your Laptops and PC devices secure

Install security software that includes anti-virus protection and a firewall and ensure that you keep it updated. Many security products now include additional features that can help you better protect your information.

Back up your important documents, files, and photos. Use an external drive and/or online service. Some applications provide an online backup capability.

Watch out for ransomware. This type of malware can prevent you from using your computer by encrypting your files or preventing programs from running. Usually, the only way to regain access if you have been hit by ransomware is to pay money or complete surveys. Don’t do either. Your best defense is to back up your files.

Securing your information is up to you

The tips above are just the beginning for securing your personal and financial information. The resources below have many more. The more steps you take, the more secure your information will be.

For more information

From the Privacy Rights Clearinghouse

From the Federal Trade Commission

Consumer Reports’ Guide to Internet Security

 

FoolProof Fast Facts

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