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10 Ways to Keep Fraudsters From Stealing Your Identity

10 Ways to Keep Fraudsters From Stealing Your Identity

You’re opening your inbox at work when suddenly you get a message from an unknown company. It turns out to be an email from what seems to be a new online shopping store who’s offering great discounts.  On its home page it requires you to sign up asking for your name, credit card number, and password. 

Should you be alarmed? How willing are you to give your private information?

Identity theft is on the rise. The US Bureau of Justice Statistics estimated that there are 15 million American victims of credit card fraud every year. From 2007, malicious software and programs grew from 1 to 130 million in just a span of a few years. These software are also evolving rapidly from what used to be easily scanned and removed viruses, to sophisticated stealth programs that work to monitor computer keystrokes. Costing billions of dollars each year, it is considered one of the fastest growing crimes in America.

What is Identity Theft?

The term identity theft is defined as “the deliberate use of someone else’s identity, usually as a method to gain a financial advantage or obtain credit and other benefits in the other person’s name.”

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These criminals, also called hackers or fraudsters, obtain people’s personal information through various sophisticated and old fashioned methods of stealing — including skimming, phishing, dumpster diving, shoulder surfing, and remote thievery.

The rise of clever hackers with ingenious tech skills is a terrifying problem that could affect everyone’s internet and website security. All forms of devices — your home computers, laptops, and even mobile devices — are vulnerable to identity thieves. So how does one protect their digital presence?

1. Practice Email Safety

Beware of suspicious links and attachments in your email. Some thieves will send victims emails containing links that may appear to be from a legitimate source. However, these links are often directed to a fake site designed especially to collect sensitive data, such as people’s usernames and passwords. Usually, criminals send these emails during holiday seasons alongside promotional emails from other legitimate or popular websites.

2. Create Better Passwords 

How many passwords do you have for every account? If you’re only using one for everything, you might want to change some of them. Experts recommend having different passwords for every website you sign up for. For example, your email password should be different from your Facebook and your PayPal password. Securing your passwords ensures your safety from thieves who acquire information by simply hacking your email and then getting data from all your linked accounts.

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3. Invest in Good Anti-Spyware Programs

Arm your computers with good anti-virus software — and make sure that you update it regularly. Links from scams usually have viruses that can infect your computer and become gateways for hackers to control your device. When choosing a good anti-virus program, it’s always wise to avoid nefarious applications masquerading as free anti-virus software. For safety measures, always choose popular programs trusted by a lot of people.

4.  Be Wary of Phishing Scams

This form of scam is used by fraudsters to get your valuable details and hack your credit cards. Phishing is a way of acquiring personal information by fooling people to subscribing or signing up into a forged website designed to steal personal data. These scams often lure people by offering free services and discounts and sometimes by faking authority to get the person’s trust.

5. Avoid Public Wi-Fi

You might want to think twice before you connect to a public Wi-Fi.  Sometimes, cyber fraudsters will hack and use public Wi-Fi to access private data on their victim’s devices. They can do this easily by using a technique called sniffing that intercepts data packets and enables the user to see everything on a fellow free Wi-Fi user’s device. Sometimes they can also set up rogue accounts and disguise it as public connections for airport, libraries, and other crowded community spots.

6. Review Your Credit Cards

How often do you review your credit records? Once hackers have access to your credit accounts, they will steal small amounts (under 2$) so you won’t notice it at the beginning. During times when you shop more especially during the holiday seasons, hackers will increase the amount of money they’ll steal. Thus, it’s very important to always review your credit records and check your bank immediately if you see even minor suspicious spendings.

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7. Know Where You Shop

When shopping on phone, tablet or computers, make sure that you’re double checking the website you’re on. Hackers often clone shopping sites to do various phishing attacks. A good way to distinguish whether a site is secure or not is by looking at the lock symbol on the left side of the URL tab. It’s also better to shop on popular and trusted websites.

Do not ever reveal personal information to unverified sources over phone or the internet. People have reported many cases of getting phone calls from people claiming to be someone from the bank and asking for their account numbers and PIN. Immediately hang up if this happens and call the direct number of your bank company to ask if they are really associated with this number. This way you can be sure that you are speaking to a real representative and not an impersonator. Know who you are dealing with and be defensive whenever anyone contacts you asking for private identity or financial information.

8. Keep Physical Documents Safe

Invest in home safes. Safes are built for the purpose of keeping your documents and files safe from prying eyes with malicious intent. When throwing away documents that contain sensitive information, it’s best to shred the file to prevent it from getting in the wrong hands. Dumpster diving is a common method of stealing where criminals search the trash for items of use and value.

9. Be Careful of Shoulder Surfers

Shoulder surfers are people who keep watch over your cards whenever you make a transaction in an ATM bank or even online. These thieves will be cloaked as normal people, even wearing suits and looking respectable. They target people in every profession and in the most seemingly safe locations.

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They also use a lot of gadgets like credit card skimmers, tiny cameras, and may even use binoculars to look at your card details from afar. When using ATM, make it a point to shield your keypad to prevent anyone from seeing you when you punch your PIN. When in foreign countries or new places, use machines that are in public and well-lit areas.

10. Protect Your Identity Online

Identity theft protection services are becoming increasingly important. Many companies now offer services that will help you prevent identity theft. You can check out these expert reviews of identity theft protection services to know which services will suit your needs.

 Final Thoughts

Having your identity stolen is no laughing matter. This is an issue that needs to be addressed. The more people are aware of this practice, the more we can fight this crime. For now, the best thing we can do is to take a cautionary approach when giving personal information online or offline. Stay vigilant and protect your identity.

Featured photo credit: Sylwia Bartyzel via unsplash.com

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Armela Escalona

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Last Updated on March 29, 2021

5 Types of Horrible Bosses and How to Beat Them All

5 Types of Horrible Bosses and How to Beat Them All

When I left university I took a job immediately, I had been lucky as I had spent a year earning almost nothing as an intern so I was offered a role. On my first day I found that I had not been allocated a desk, there was no one to greet me so I was left for some hours ignored. I happened to snipe about this to another employee at the coffee machine two things happened. The first was that the person I had complained to was my new manager’s wife, and the second was, in his own words, ‘that he would come down on me like a ton of bricks if I crossed him…’

What a great start to a job! I had moved to a new city, and had been at work for less than a morning when I had my first run in with the first style of bad manager. I didn’t stay long enough to find out what Mr Agressive would do next. Bad managers are a major issue. Research from Approved Index shows that more than four in ten employees (42%) state that they have previously quit a job because of a bad manager.

The Dream Type Of Manager

My best manager was a total opposite. A man who had been the head of the UK tax system and was working his retirement running a company I was a very junior and green employee for. I made a stupid mistake, one which cost a lot of time and money and I felt I was going to be sacked without doubt.

I was nervous, beating myself up about what I had done, what would happen. At the end of the day I was called to his office, he had made me wait and I had spent that day talking to other employees, trying to understand where I had gone wrong. It had been a simple mistyped line of code which sent a massive print job out totally wrong. I learn how I should have done it and I fretted.

My boss asked me to step into his office, he asked me to sit down. “Do you know what you did?” I babbled, yes, I had been stupid, I had not double-checked or asked for advice when I was doing something I had not really understood. It was totally my fault. He paused. “Will you do that again?” Of course I told him I would not, I would always double check, ask for help and not try to be so clever when I was not!

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“Okay…”

That was it. I paused and asked, should I clear my desk. He smiled. “You have learnt a valuable lesson, I can be sure that you will never make a mistake like that again. Why would I want to get rid of an employee who knows that?”

I stayed with that company for many years, the way I was treated was a real object lesson in good management. Sadly, far too many poor managers exist out there.

The Complete Catalogue of Bad Managers

The Bully

My first boss fitted into the classic bully class. This is so often the ‘old school’ management by power style. I encountered this style again in the retail sector where one manager felt the only way to get the best from staff was to bawl and yell.

However, like so many bullies you will often find that this can be someone who either knows no better or is under stress and they are themselves running scared of the situation they have found themselves in.

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The Invisible Boss

This can either present itself as management from afar (usually the golf course or ‘important meetings) or just a boss who is too busy being important to deal with their staff.

It can feel refreshing as you will often have almost total freedom with your manager taking little or no interest in your activities, however you will soon find that you also lack the support that a good manager will provide. Without direction you may feel you are doing well just to find that you are not delivering against expectations you were not told about and suddenly it is all your fault.

The Micro Manager

The frustration of having a manager who feels the need to be involved in everything you do. The polar opposite to the Invisible Boss you will feel that there is no trust in your work as they will want to meddle in everything you do.

Dealing with the micro-manager can be difficult. Often their management style comes from their own insecurity. You can try confronting them, tell them that you can do your job however in many cases this will not succeed and can in fact make things worse.

The Over Promoted Boss

The Over promoted boss categorises someone who has no idea. They have found themselves in a management position through service, family or some corporate mystery. They are people who are not only highly unqualified to be managers they will generally be unable to do even your job.

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You can find yourself persistently frustrated by the situation you are in, however it can seem impossible to get out without handing over your resignation.

The Credit Stealer

The credit stealer is the boss who will never publically acknowledge the work you do. You will put in the extra hours working on a project and you know that, in the ‘big meeting’ it will be your credit stealing boss who will take all of the credit!

Again it is demoralising, you see all of the credit for your labour being stolen and this can often lead to good employees looking for new careers.

3 Essential Ways to Work (Cope) with Bad Managers

Whatever type of bad boss you have there are certain things that you can do to ensure that you get the recognition and protection you require to not only remain sane but to also build your career.

1. Keep evidence

Whether it is incidents with the bully or examples of projects you have completed with the credit stealer you will always be well served to keep notes and supporting evidence for projects you are working on.

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Buy your own notebook and ensure that you are always making notes, it becomes a habit and a very useful one as you have a constant reminder as well as somewhere to explore ideas.

Importantly, if you do have to go to HR or stand-up for yourself you will have clear records! Also, don’t always trust that corporate servers or emails will always be available or not tampered with. Keep your own content.

2. Hold regular meetings

Ensure that you make time for regular meetings with your boss. This is especially useful for the over-promoted or the invisible boss to allow you to ‘manage upwards’. Take charge where you can to set your objectives and use these meetings to set clear objectives and document the status of your work.

3. Stand your ground, but be ready to jump…

Remember that you don’t have to put up with poor management. If you have issues you should face them with your boss, maybe they do not know that they are coming across in a bad way.

However, be ready to recognise if the situation is not going to change. If that is the case, keep your head down and get working on polishing your CV! If it isn’t working, there will be something better out there for you!

Good luck!

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