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10 Steps for Protecting Your Personal Identity and Information

October 11, 2017

rsz_fld.jpgOn September 7, Equifax (the national credit agency company) announced that hackers had stolen records from its servers that contained personal information on 143 million Americans. A few weeks later, the company announced that the actual number was 145.5 million.


And recently, Yahoo announced that its original data breach in August 2013 didn’t affect 1 billion of its users, it actually affected 3 billion users – which was every Yahoo account that existed at that time.

Combined with other high-profile data breaches that have occurred (within the government and the private sector), we clearly have a massive data security problem in our country. The ugly truth is that, at least for now, there is no way to completely protect your personal online information and identity. However, there are some common-sense things you can do that will dramatically reduce your chances of being hacked, so long as you remain conscientious and vigilant in your efforts.

1. Monitor your credit

It’s a good idea to routinely check your credit to make sure no one has opened any unauthorized accounts in your name. All three of the national credit agencies provide free credit reports once a year and for a fee, they also provide a credit monitoring service. If you would prefer to avoid a fee, there are also free credit reports and free monitoring services available through other credit companies, of which CreditKarma is probably the best known.

2. Carefully review bank and credit card statements

This may sound like a no-brainer but too often people don’t carefully review their statements. If your bank or credit accounts have been hacked and fraudulent charges have been initiated, these are going to show up in those statements, so be sure to review them scrupulously.

3. Don’t be a spear phishing victim

Spear-phishing is the practice of sending emails from a seemingly known or trusted source in order to induce the recipient to reveal confidential information. Be very wary of opening any attachments that are embedded in an email because they might contain a virus that could wreak havoc on your files and personal information – even if the email seems to be from someone you know.

4. Different passwords for different accounts

This one is harder said than done but it’s important to have different passwords for different online accounts. For instance, the password you use for email should be different than the password you use to access your bank account. The reason is obvious – if an intruder successfully hacks one of your accounts, you don’t want to provide him with access to all your other accounts because you’ve used the same password for each.

5. Keep security software programs current

When one acquires a new computer, security software programs are typically provided free of charge, usually for 12 months. After that, one has to pay an annual subscription fee to keep the software current. Needless to say, pay the fee to keep your computer protected. There is a constant stream of new viruses being created everyday that are designed to maliciously attack your computer and steal your personal information. Don’t let that happen to you.

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6. Beware of open public Wi-Fi connections

Many people are in the habit of going into their favorite coffee shop and accessing its Wi-Fi connection. If you do that, never conduct any sensitive personal business online. It’s possible that someone could be lurking there to intentionally capture your unencrypted information as it flies through the air from your computer to the router. Because it’s unencrypted data, anyone within range and with the right equipment can read it.

7. Invest in a shredder

Even though most of us have created and maintain a digital presence online, there is also a danger that sensitive personal information could be stolen from hard copy sources. Old credit and bank account statements, old utility bills, old credit card offers, old tax returns, or old receipts from previous purchases – all of them might contain personal information that should be protected. Don’t simply throw these documents in the trash – shred them first.

8. Sign up with the Do Not Call Registry

Slick scammers are not just online, they sometimes prey on people through the telephone. They will call people and try to extract personal information from them – date of birth, social security numbers, household income, etc. – any information they can use to help them create a fraudulent personal identity in your name.

9. Safeguard your social security number

Your social security number is your digital fingerprint for everything – whether you’re applying for a loan, credit or even a new job – it is the key number that provides access to everything else. Be very vigilant about protecting your number and make sure to never have it printed on your personal checks.

10. Do not leave mail unattended

If you’re going to be away for a few days or longer, make sure to have mail delivery to your home stopped. There are thieves who specifically target unattended mail boxes in order to steal your mail and all the personal information contained within it. Another option would be to stop mail delivery to your home permanently and have it delivered to a rented mailbox instead.

There are innumerable benefits and conveniences to participating in a digital environment – and at this point there’s no turning back – but we have to protect ourselves in this brave new world, and being cautious, aware and vigilant are the keys to your success.

United Capital Financial Advisers, LLC (United Capital) provides financial guidance and makes recommendations based on the specific needs and circumstances of each client. For clients with managed accounts, United Capital has discretionary authority over investment decisions. Investing involves risk and clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. The information contained in this blog is intended for information only, is not a recommendation, and should not be considered investment advice. Please contact your financial adviser with questions about your specific needs and circumstances. This blog is a sponsored blog created or supported by United Capital and its employees, organization or group of organizations. This blog does not accept any form of advertising, sponsorship, or paid insertions. Certain authors of our blog posts may be influenced by their background, occupation, religion, political affiliation or experience. It is important to note that the views and opinions expressed on this blog are that of the owner, and not necessarily United Capital Financial Advisers. As a Registered Investment Adviser, United Capital does not allow any testimonials on their blog, and any comments deemed as such United Capital will remove.

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Jarrod Upton

Written by Jarrod Upton

Jarrod is the AVP of Guidance and Financial Planning at United Capital. He is responsible for developing and advancing financial guidance initiative. Jarrod is a CERTIFIED FINANCIAL PLANNER with a Master of Science in Financial Planning and a MBA from Texas Tech University. Follow him on twitter: @jarrodupton

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