A report from Wallethub found that Floridians are the most likely to be targeted for identity theft and fraud, while people in Wyoming are the least. But we’re all at risk of getting a scam call, so it’s important to be vigilant and protect yourself.
How to protect yourself from identity theft and fraud
When someone steals your identity or targets you for fraud, it’s more than just an unauthorized credit card purchase that you’ll be dealing with. They can wreak havoc on your finances for a long time — they can steal your tax refund, open credit cards in your name and file for unemployment benefits. Your credit score could be damaged, making it difficult for you to get a mortgage, lease a car or open a credit card for years to come.
Make sure you don’t fall for a scam or open yourself up to theft in the first place
Don’t open emails you don’t recognize, don’t download something from an unrecognized source and never send your password or Social Security number to someone over phone, email or a messenger app. It’s always best to verify it directly from the source it’s coming from.
And remember, the federal government won’t demand payment over the phone via gift cards or wire transfers, and they can’t threaten to call police or immigration if you defy them — these are all marks of a scammer.
You should also choose passwords that are difficult to guess and change them for each website log-in you use. This way, if one website has a data breach, it won’t risk your accounts on other websites.
Keep tabs on your accounts
It may not always be obvious that you’ve been scammed or had your information stolen. There can be small charges on your credit card, or it may be a year before you realize as you’re trying to do your taxes. That’s why it’s important to stay vigilant.
Sign up for account alerts for suspicious activity and check in on your credit score often — you’ll be able to see if someone was trying to open any accounts in your name. Try using a website like Credit Sesame.
Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll be able to spot any errors holding you back (one in five reports have one) and if there’s any suspicious activity.
Want to check for yourself? It’s free and only takes about 90 seconds to sign up.
While some crimes are impossible to prevent on your own, you can still make smart choices online to prevent further attacks and stop new ones from getting worse. Be smart and stay safe!
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.