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10 Ways to Prevent Identity Theft, Without Paying for Credit Monitoring Services!

10 Ways to Prevent Identity Theft, Without Paying for Credit Monitoring Services!

You should not pay for credit monitoring services as a way to prevent identity theft. In fact, most features in specialty identity theft protection plans are replicable at almost no cost. All it takes is a few hours, and you will be able to replicate most of what these services can offer.

There are many things you can do to prevent identity theft, although only certain efforts will have a real impact. For best results, you should try to build security layers that match everything a credit monitoring and identity theft coverage plan offers.

Here are 10 ways to prevent identity theft, while also removing the need to pay for credit monitoring help!

1)   Get your free credit report!

You do not need to pay for credit monitoring to get access to your credit report. In fact, you have the right to obtain a free credit report once a year from each of the bureaus. You can do this through AnnualCreditReport.com — this is the only website legally permitted to promote free credit reports to Americans!

For best results, space out your requests so you can review your credit report every four months.

2) Place a Credit Freeze

A credit freeze will stop an identity thief from being able to open a new account in your name. It’s a security freeze that locks down your credit report. If a new lender wants to pull your file, you must request a temporary lift of your report or get it lifted just for that creditor. No one else will be able to trigger a lift of your credit freeze, unless they know your PIN number.

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Depending on the credit freeze laws in your state, it could cost nothing to as little as $3, and as much as $20, to place and/or lift a credit freeze. You should find your state’s credit freeze laws before requesting it; regardless, make sure you file the freeze request individually with each of the credit report bureaus.

3) Monitor Your Social Security Number (SSN)

If you do not already have a my Social Security account, there are many reasons why you should create one. The most notable would be the Social Security statement you get, which details anywhere your SSN was used. Yes, this is the equivalent of the SSN monitoring offered by many credit monitoring as a means to prevent identity theft. With it, you can catch any instances where your number was given for civil court cases, criminal confrontations, medical procedures, and much more.

Note: If your SSN was compromised, avoid identity theft risks by requesting a new one on the Social Security Administration website.

4) Put an End to Mailbox Dangers

If you have a typical mailbox, it’s a good idea to invest in a lock for it. An even better ‘plan of action’ would be to get a PO box at your nearest post office. This will help a lot to prevent identity theft around tax season. It also helps you to avoid identity theft in general, as it makes your information harder to obtain.

If you cannot get a PO box, at least lower your exposure to sensitive mail. Go to OptOutPreScreen.com and request that you get removed from the mailing list that gets shared by the credit report bureaus.

5) Never Stop Learning!

As a beginner trying to identity theft prevention strategies, there are many common sense factors that you might not understand. This is why it’s important that you take the time to learn more than just what you find here.

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You can find a lot of fundamental advice in Elite Personal Finance’s lengthy guide ‘100 Ways to Prevent Identity Theft’. Once you get more experienced, subscribe to Robert Siciliano’s blog and keep an eye for new posts — he is an identity theft expert, as well as an author for McAfee.

6) Place a 90-Day Fraud Alert

If you are against the credit freeze option, then it’s recommended that you at least place a 90-day fraud alert on your credit file. This can be done by notifying one of the three credit report bureaus of the request; once the initial fraud alert is processed, the receiving bureau will advise the other two to do the same.

The 90-day fraud alert will advise prospective lenders to contact you to verify your identity. This is done by placing a notation on your credit file to inform the creditors that your identity could be compromised. The problem is that lenders do not have to contact you, so it is not a 100% effective prevention tactic.

Remember, if you do place a 90-day fraud alert, it’s important to make a note on your calendar of when it needs to be renewed.

7) Create a Wallet Backup

If your wallet ever gets lost or stolen, there is no guarantee the contents will not end up in the hands of an identity thief. This is why you need to have an easy-to-access list of the various cards, licenses, and other important information, that can be found in your wallet.

Keep an updated list of your wallet’s contents, including card numbers and contact lines. If you lose your wallet, contact each company on the list and let them know before any damage gets done.

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8) Shelter Yourself Online

You need to be careful about what people can find out about you online. The most detailed pieces of information are found in online whitepages, reverse lookup directories, VPN and other online services providers. If you remove yourself from your local directory, most of these websites will not have access to your details anymore.

From time to time, it’s a good idea to search for your name (with location details) in Google. If you have a unique name, you could even set up a Google Alerts for it. Your information might show up in search results if you sign up for a junk mail list, or if it was shared in a hacking forum data leak.

9) Use Your Bank’s Mobile App

Online banking helps, but a mobile app will keep you in full control over your bank account. It might even be possible to set up various types of security alerts, depending on which bank you use. Just make sure to keep an eye on your account every day — watch out for any transactions that should not be there.

You might not prevent identity theft this way, but the faster you know the quicker you act and that makes all the difference when restoring your identity.

10) Freeze Your Empty File

If you have no interest in building credit, do not be fooled by thinking that identity theft cannot affect you. Even those with no borrowing history are at risk of becoming victims–in fact, minors are targeted the most because of this reason.

If there is no credit report tied to your SSN, then make one and freeze it to prevent identity theft from becoming a risk. Otherwise, it just takes a single credit application using your SSN to allow an identity thief to control your report without your knowledge.

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Conclusion: You Can Avoid Identity Theft for Free!

If you want to prevent identity theft, do not bother with credit monitoring services. It’s really just a service that benefits you if you are looking to boost your credit score. To avoid identity theft, you need specialized services that you can actually do yourself!

Therefore, you must take initiative and better your personal security. The framework is there for you to do so, which means it’s just a matter of making the effort.

Before you start, you should also read our post on ‘What to Do in Case of Identity Theft’ to know how to handle it if it does happen to you!

Featured photo credit: 10 Ways to Prevent Identity Theft via google.com

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Last Updated on August 16, 2019

15 Smart Ways to Approach Interpersonal Relationships at Work

15 Smart Ways to Approach Interpersonal Relationships at Work

Once you have embarked on your professional life, whether it is after college or high school, you will be making a transition to the workplace. If possible, it is good to find an employer that is flexible. In other words, one that possesses a culture that is diverse and tailors to the needs of its employees as a bottom line.

But, even if you don’t land your dream job right away, there are many ways to improve your experiences within the workplace as you climb the career ladder.

In the subsequent sections will be looking over ways to engage your relationships at work, including 15 ways to effectively approach interpersonal relationships at the workplace.

1. Open Up Cautiously

Depending on if its a startup, a small business, enterprise or corporation it’s important to be aware of your surroundings.

Be mindful of how much you open up about yourself, specifically regarding your personal life. You do not want to give the wrong impression, so be careful how much or what details you divulge about being in a relationship or having children.

You have to reach a certain comfort level and rapport with the rest of the staff to be able to engage in transparent conversations. A good general guideline is to stick to small talk.

2. Observe Your Surroundings

There will be times when we are summoned to have a leadership role or to undertake a project to lead a team.

Try not to be too bold or overcompensate at every turn when there is a meeting or an interaction among other staff or employees. The last thing you want to do is to be the person who wants to monopolize every conversation and every interaction.

Be a passive observer at first, and more often than not, you will learn a lot by letting others talk a lot about themselves.

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3. Listen Actively

It may seem redundant, but it is essential to practice the art of really listening to the other person.

Developing interpersonal skills and connections with others at work comes down to listening. It is not just paraphrasing what your superiors or colleagues are trying to communicate; it is about understanding what is at the core and reading between the lines.

Phrases like “I can see what you are saying” or “I can acknowledge your insight” are just some examples. Learn to empathize and relate with people with whom you have a genuine connection.

4. Consolidate All Feedback

When you learn to listen to others and to allow them to finish their thoughts you are on your way to be being a great communicator.

One of the toughest tasks to accomplish is to include everyone’s voice. Don’t rely on shout-outs or trying to come up with the best answer. Including everyone’s voice is about listening to all suggestions and putting together an entire picture. When everyone feels part of the process there is great cohesion.

5. Never Make Sweeping Judgements

As person and a human being with compassion never make any assumptions about anyone.

Just because they have a certain skin color, clothes or physical features, never make stereotypical or generalizations about anyone.

6. Keep Emotions in Check

Work-related stress is something we all have to deal with at some point or another. Whether you work in the public or private sector you will encounter stressors or stressful co-workers. In this case, it is good to keep open the lines of communications.

Always ask to clarify how a person feels and where they are coming from. It is better to entertain these conversations before they make a person lash out or have a negative reaction. Ask to speak privately and get feedback. When you do this it really shows you care about what your role is and that you are a true professional.

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7. Give Help to Others

Having compassion and empathy for others is a noble attitude to practice.

Though, do be careful about how much you want to get involved with colleagues at the office; it could jeopardize the nature of your work relationship and the roles you both have.

It’s best to separate the personal from the professional and lend a hand by using your best judgement.

8. Broaden Your Horizons

Once you have worked in a company or an organization, things can get repetitive and dull. Sometimes we need to remember that we are human and need to fulfill certain responsibilities.

Often we want to try to change things by introducing our best abilities or perhaps our inventions, but we need to be realistic. Change does not happen overnight, rather it is a long process.

Step back and take a look at the big picture, and, put all your cards on the table to get perspective. Sometimes we approach situations in life from the wrong point-of-view.

9. Be Optimistic

This is probably one you have heard time and time again.

When we suggest to have a positive attitude it does not mean to fake it until you make it, nor to conceal your feelings. This is not the case in this situation. Overall, you want to try to be authentic in how you are feeling, because life will throw curve balls that are beyond our control.

10. Be Sensitive to Cultural Norms

Whenever you are around other people within a professional workspace, do not make assumptions in trying to figure people out in an instant.

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Some cultures discourage physical contact, while others may be inviting. Always be courteous, respectful and ask questions. It will not only make you more aware of others’ needs, but show that you are considerate of the differences.

You do not want to get off on the wrong foot by being too friendly or too touchy. Just observe how people respond to your approach and let them lead the way of what is a safe practice to meet and greet the first time around.

11. Show Professionalism

How you interact and carry yourself around others will be the difference between a job promotion or losing your job. No matter what, always respectful and professional towards others.

You will have an opportunities in life and at work, so showcase an outpouring of great and positive energy in the face of adversity.

12. Get Involved with Activities

When you are part of a company, there are often opportunities for organized activities outside of the office space.

Sometimes it is worth exploring uncharted terrain and to get to know people in a different environment. Plus, you will have an opportunity to be seeing in a different light.

Even though you are off the clock, keep your professional tenure and set boundaries. You want to be vulnerable, but not put yourself in a comprising position. Use your intuition and common sense to evaluate these situations.

13. Get to Know Your Company

With your smartphone or your laptop, you have at your fingertips a mine of information online. Just as you would do before a job interview, conduct ample research to get familiarized with what your company does and how its branding is perceived via the media or social networks.

Rather than just focusing on doing your job and fulfilling the duties, see what the business is up to. It is fundamental to really know what organization you belong to. Get educated on what other ventures they are involved with as well as the ones that you are directly in the know about.

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14. Learn to Problem Solve

Problem solving is going to be a skill you will acquire with experience and by making mistakes. Furthermore, not only will you make mistakes but you will likely also sometimes fail. This is okay and is part of the natural swing of things!

Learn to take responsibility for your actions and decisions. At the same time, do not blame others for coming up short. When you come forward with the truth and responsibility, your supervisors or superiors will take notice of your authenticity.

One of the greatest gifts in life is fail and once you experience you start to get a different perspective on how to move forward at the job.

15. Do Some Prospecting

If you have coding, computer, language or other beneficial skills, be sure to pitch these at the right time.

When you start out new at a company it is best not to show all your cards. It is like poker: don’t let others see if you believe you have the upper hand. Take time to get familiarized with your company and organization before promoting your outside skillset.

You will know when to put forward your amazing talents, so proceed with caution.

Conclusion

Learning to refine your interpersonal skills is a lifelong process. In time, you will also became more effective and skillful after accumulating work-related experiences.

Exert humility, understanding, compassion, and mindfulness and the rewards will come!

Featured photo credit: Brooke Cagle via unsplash.com

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