With the help from our friends at cuinsight.com
Some people love taking what doesn’t belong to them. During the holidays this year, be extra careful to make sure that you’re keeping your finances safe from questionable individuals. Here are four tips for protecting your identity during the holiday season.
1. Keep an eye on your credit report. If checking your credit report isn’t something you do regularly, you should change that. If a thief opens an account in your name, this will be an easy red flag to detect. Although it may be a hassle, there are a few sites that provide free credit reports. Do some research and find the one that best suits your needs.
2. Don’t toss it, shred it. When you take your garbage out each week, make sure you are not throwing away that a fraudster could find valuable. Anything that contains account numbers, banking information, or social security numbers would be highly desirable to a thief. Make sure you anything you are not sure of gets put in a shredder before the trash can. Don’t have a shredder? We provide a secure and free shred bin in the lobby of USAgencies Credit Union for all our members! Bring your shred down during business hours, and we are happy to help you safely dispose of documents.
3.Be cautious online. Cybercriminals can get your information a few ways, one of which is phishing. Phishing is when cybercriminals defraud you of sensitive information by posing as a legitimate company that you trust. Don’t click a link in an email that is asking you for personal information. Anything that looks fishy should be verified with the company first. Also, make sure you are not doing sensitive activities like logging into your credit union account from a coffee shop’s unsecured Wi-Fi. Stay up to date with current Fraud Schemes by visiting our dedicated page on our website, designed to keep our members aware.
4.Update your passwords. Password is not a password. Winter123 isn’t either. It is time to make better passwords. Think of a phrase or question like, “How long would it take me to walk 500 miles?” Then use the initials, symbols, and numbers to create your password. That would look like this :”Hlwittw500m?” No one can guess that one. According to howsecureismypassword.net, it would take a computer 63 Thousand years to crack that password.