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With the right tools, online habits, and safety measures, you can make yourself a much harder target for identity thieves and online scammers.
With the right tools, online habits, and safety measures, you can make yourself a much harder target for identity thieves and online scammers.
In this article:
In this article:
Identity theft is one of the fastest growing crimes in America. According to the Federal Trade Commission (FTC) [*]:
Since the start of 2023, over 4.2 million Americans have been victims of identity theft and fraud — with losses in the billions.
Identity theft protection is about putting all defense mechanisms in place before criminals can get to you.
In this guide, we’ll run through how to protect yourself from identity theft and fraud before you become a victim, the warning signs to look out for, and what to do if you think your identity has been stolen.
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Here are some of the most recommended methods to protect yourself from identity theft and fraud according to experts:
Identity thieves are usually financially motivated. They take out loans, open credit accounts, or apply for new credit cards in your name to steal as much money as possible.
A proactive credit freeze prevents anyone from accessing your credit file or credit history, which can stop scammers from opening a line of credit in your name. It’s a free service and well worth the peace of mind that it provides. Plus, you can lift (or “thaw”) the freeze anytime.
How to freeze your credit:
To freeze your credit, you’ll need to contact each of the three major credit bureaus individually (Experian, TransUnion, and Equifax). Once you provide proof of identity, they’ll give you a PIN that you can use to freeze and thaw your account.
According to the Identity Theft Resource Center’s (ITRC) 2022 report, over half of reported identity theft cases remain unresolved — a 37% increase compared to 2021 data [*]. The sooner you spot suspicious activity, the better chance you have of fully recovering.
If a criminal has your bank account number or targets your financial accounts, you’ll see the evidence in your credit report and your credit card statements. Ignoring monthly account statements can let suspicious activity go unnoticed.
How to review your financial statements:
If criminals get access to even one of your online accounts, it could open the door to your entire digital life. That’s why strong passwords and two-factor authentication (2FA) are important when it comes to protecting yourself from identity theft.
How to secure your online accounts:
📚 Related: How To Tell If an Email Is From a Scammer →
Personal computers and mobile devices are attractive targets for criminals because they contain vast amounts of personal data. In some of today’s most devastating scams, hackers gain control of a victim’s computer or phone and install invasive malware, spyware, or ransomware designed to steal sensitive information.
Invest in reliable antivirus software that will continually scan your device for potential security threats and block malware and viruses.
Social engineering scams like phishing also tend to target your financial information. Identity thieves use scam messages to trick you into giving them the information they want.
To the untrained eye, a phishing scam is difficult to detect. And it’s by far the most prevalent type of scam on the internet [*].
The more you educate yourself about what phishing messages look like, the safer you’ll be.
How to spot the warning signs of an online scammer:
Internet criminals create fake websites that are skillfully disguised as the official websites of companies like Amazon, Bank of America, USPS, PayPal, and the DMV. Scammers commonly lure targets with links in phishing emails or text messages.
These copycat web pages look indistinguishable from the authentic ones. Many even feature a padlock symbol (signifying SSL encryption) next to the URL. This makes people feel comfortable entering their login credentials or account numbers.
How to use Safe Browsing tools:
📚 Related: How To Know If a Website Is Safe →
Everyone loves free Wi-Fi, but few realize that it's risky. Malicious hackers use public Wi-Fi networks to access private accounts and documents, discover personal data, and send phishing emails to any device that’s connected to the network.
You might connect to what looks like the official Wi-Fi hotspot of your hotel or local cafe. But in reality, it could be a hacker’s hotspot that they’re using as bait to access your data.
How to protect your Wi-Fi connection in public:
Social media websites are lucrative resources for fraudsters. Now more than ever, criminals are using online profiles as jumping-off points to commit ID theft.
According to astounding new data from the ITRC’s Consumer Impact Report [*]:
“Social media account takeover increased by 1,000% in 2022 alone.”
An identity thief can use details that you post about yourself to impersonate you online and take over your personal and financial accounts.
How to reduce the amount of information about you online:
📚 Related: 9 Critical Resources To Use If You're the Victim of Identity Theft →
Data brokers use public records and social media websites to create detailed profiles about anyone who has an online presence. They offer full access to these profiles for a fee to marketers and scammers alike.
How to remove your data from People Finder websites:
Manually removing your personal history, contact details, and demographic information from websites like Whitepages is a legitimate (albeit painstaking) option. Unfortunately, the results are temporary at best.
Some people opt to pay an annual fee for automatic removal of their data from select sites.
📚 Related: How To Remove Your Data from Data Broker Sites →
Digital security is a huge part of identity theft prevention, but it’s not the whole picture.
Stealing wallets or using card skimmers to collect swiped credit and debit cards may be old strategies, but they’re alive and well. Even some good, old-fashioned “shoulder surfing” in the right location provides a great opportunity for criminals to strike.
How to be cautious with non-digital forms of sensitive information:
Identity thieves still benefit from raiding mailboxes.
Recently, law enforcement officials have warned about a surge in mail theft. Criminals all over the United States are stealing mail to look for checks and then alter them, deposit them into their own accounts, and withdraw the cash before the doctored checks are flagged [*].
Whether mail thieves are looking for a quick buck or a way into your personal accounts, your mailbox can be their ticket to success.
How to protect your sensitive documents at home:
Your smartphone and computers are already signed in to multiple personal accounts. If scammers steal your phone and crack your password, they could take over your personal and financial accounts immediately.
Biometric security features, such as fingerprints or facial recognition, can counteract these types of threats. Once activated, this technology makes it much harder for hackers to break in to your device.
How to use biometric security on your devices:
💡 Related: What Can Hackers Do With Your Phone Number? →
Large-scale data breaches remain a serious concern in 2023. Security Magazine reports that over 4,100 data breaches occurred in 2022 alone [*].
If your sensitive information gets compromised in a data breach, there’s a good chance it will end up in the possession of criminals buying and selling stolen data on the Dark Web.
Discovering that your data is leaked on the Dark Web is unsettling because you can’t remove it. But you should increase digital security precautions once you know that your information has been exposed.
How to scan the Dark Web for your personal information:
💡 Related: Is ProtectMyID Worth It? What To Know Before Buying →
Scammers can use your email address to target you with phishing attacks — or use leaked passwords to break into your online accounts.
An email alias is a “throwaway” account that you can use when signing up for new services. Any message that’s sent to your alias will still end up in your inbox — but scammers won’t know your real email address in the case of a data breach.
Here’s how to use email aliases:
💡 Related: What To Do If a Scammer Has Your Email Address →
Safeguarding your credit card numbers is an essential part of identity theft protection. But any time you use, enter, or store your credit card information, it puts your data at risk. Digital wallets use technology called “tokenization” to pay for goods and services without providing your actual credit card numbers to companies.
This means that in the case of a data breach, scammers won’t have access to your credit card numbers.
Here’s how to use a digital wallet:
While you can do everything in your power to protect yourself against the different types of identity theft, it’s almost impossible to completely guarantee your safety. Instead, when it comes to being the victim of identity theft, speed counts. The sooner you can spot the warning signs, the better chance you have of mitigating the damage scammers can do.
Here are some of the main warning signs that your identity has been stolen:
If you see any of these warning signs, act fast to secure your accounts using the steps above.
Following the steps in this guide can help make you less of a target for identity thieves. However, even the most stringent precautions can’t guarantee that you won’t have your identity stolen. Plus, if you do become a victim of identity theft, you’ll be left to deal with the consequences on your own.
That’s why millions of Americans are choosing to sign up for an identity theft protection service.
Tools like the ones included in every Aura plan do the work for you. Aura monitors all of your sensitive information and financial accounts for signs of fraud and proactively protects you and your family against online threats.
Here’s what you get with Aura:
Ultimately, deciding whether identity protection is worth it is a matter of risk assessment. Are you willing to tackle the threats on your own, or would you benefit more from automated monitoring and expert assistance?
If any of your personal information gets compromised, these emergency steps can help you regain control of the situation sooner rather than later.
📚 Related: What To Do If Your Identity Is Stolen (2024 Update) →
A fraudster can compromise your identity at any time. And recent surges in online scam attacks highlight the need for a serious approach to personal cybersecurity.
Looking for an all-in-one solution to shield you and your family from invisible threats? Aura’s top-rated identity protection services can help you achieve your personal security goals for 2023.