Mail Look Suspicious? Here’s What the FBI Recommends:

Posted on October 25, 2018 at 5:00 pm
Judy Dunlap | Category: Community, Safe Home

Are You Safe From Identity Theft?

We’ve all gotten much better at locking our doors, arming our security systems and securing our purses and wallets when we are out in public.  But when it comes to our cybersecurity, we’re not nearly as careful.  Some 15.4 million consumers were victims of identity theft or fraud last year, with criminals getting their hands on nearly 16 billion of other people’s money, according to a new report from Javelin Strategy & Research.   But don’t let the stats scare you—a few common sense, no-cost measures can shield you and your family from the financial headaches and losses of identity theft.

1.  Create unique, complex passwords for each of your accounts. Thieves often test lists of passwords stolen in one breach against other accounts to see, for example, if your Amazon password is the one you use for your online banking.  No one likes having to keep track of all of these passwords, but criminals like it even less, so it’s worth the aggravation.

2.  Monitor your credit report annually.  You’re entitled to one free credit report, once a year, from each of the three credit reporting agencies—Equifax, Experian and TransUnion. This gives you the opportunity to check for any items that you don’t recognize—such as accounts, judgments, liens, collections, bankruptcies, and other possible markers of identity theft—and dispute all erroneous and fraudulent information.  Go to annualcreditreport.com to access your free reports.

3.  Date all electronic keypad signatures.  Wherever you are asked to sign electronically—the grocery store, gym, or hair salon to name a few—add the date next to your name.  This prevents criminals from lifting and using your signature on other days and in other places.

4.  Never, ever list your social security number on checks, and don’t carry your card or number with you.  Don’t write it in the memo section on checks (except to the IRS) or put it on non-credit applications or forms.  The most damaging identity theft cases start with a name and a social security number in the wrong hands.

5.  Don’t enter information online without knowing who you are dealing with.  Criminals may pose as banks (complete with graphics and brand markings that look just like the real thing) retail businesses or even people you know like family members or coworkers. Even entering some information into a form without pressing send may allow unscrupulous individuals to gather that intell. And don’t make it easy for them:  Don’t post your date of birth, mother’s maiden name, pet’s name, or other personal information on websites like Facebook or Twitter. They’re often used to verify your identity and could allow an imposter electronic access to your accounts.

6.  Always review your statements.  It’s no longer enough to wait for your monthly credit card or checking account statement to look for suspicious activity. Sign up for online access to your accounts and check each regularly.  The faster you realize something is amiss, the quicker your card company can put a stop to it.

7.  Remove bar codes from magazines or shipping labels and shred them. Do the same with your boarding pass.  Bar codes can contain volumes of information about you, including the last 4 digits of your credit card, or in the case of a boarding pass, your entire frequent flyer number, which can be used for deeper hacking.

8.  Don’t leave a paper trail.  Gather all receipts, including those from the ATM and gas pumps, and shred them.

9.  Stop unsolicited credit card offers.  Low-tech crooks can steal your identity by making off with the preapproved credit offers from your mailbox. They open the account in your name, then watch your mailbox to grab the new card you didn’t know was coming. You can stop credit bureaus from selling your name to lenders by going to optoutprescreen.com or calling 888-567-8688. Opting out should stop most offers, and it’s free.

10.  A last tactic to consider: Placing a credit freeze with Experian, Equifax and TransUnion. This drastic measure prevents anyone—including you—from opening new lines of credit in your name.  This means you won’t be able to take advantage of those instant 25% off offers if you apply for a credit card while shopping, or any other type of credit or loan you might need, without notifying the agencies in advance and allowing for processing, so it’s not a measure to take lightly.

 

Special thanks to Advantage Credit, Inc. for assistance in preparing identity theft protection tips.

Posted on August 24, 2017 at 6:24 pm
Judy Dunlap | Category: Safe Home, Technology | Tagged , ,

You’re Ready for a Break, But is Your Home Vacation Ready?

Spring Break is upon us and summer trips to those fabulous destinations you’ve been researching all winter won’t be far behind. With all the planning that you put into your get-away, from Airbnb to airlines, have you planned for the one thing you will be leaving behind? Get your home vacation ready before you leave so you’ll have one less thing to worry about while away.  Use our checklist to knock out common culprits and avoid any headaches upon your return.

“Vacation Ready” Checklist

  • Stop the newspaper and mail. Go to the USPS’s online mail management tool  to hold mail up to 30 days.
  • Park your car inside the garage, and lock the garage door using the interior bolt. (There has been an uptick in theft from parked cars on the Northside, so better safe than sorry on this one.)
  • While you’re at it, lock the door from the garage into your house.
  • Ask a neighbor to park in your driveway occasionally if you will be gone more than a week.
  • Put at least one light in your house on a timer. Wemo switches are available for under $40 at Home Depot and Lowe’s or online and allow control of lights and other appliances from your phone while you are away.
  • Install a motion-activated sensor on an outdoor light near the garage or front door. Not only is it nice to have the extra light when you arrive home at night, burglars avoid well lit entry points.
  • Make sure your lawn stays trimmed. (Bonus points if you hire a neighbor’s teen to do the job while you are gone.)
  • Unplug small appliances and electronic devices. That toaster and phone charger still use energy even when not turned on or in use, and the amount adds up.
  • Turn off water valves to the dishwasher, washing machine and all sinks. (Trust us on this one. We speak from experience, and you wouldn’t believe the damage a burst pipe in the laundry room can do before neighbors notice water running out the front door.)
  • Set your thermostat to a warmer temperature in the spring and summer, but don’t cut it off completely. An unexpected heat wave could harm your home and furniture inside without a little help from the AC.
  • Leave your emergency contact information with a neighbor, and include hotel names and locations if you are traveling out of the country where cell service may not be stellar.
  • Some cities, such as Shavano Park, offer courtesy home checks by police officers while you are away. Neighborhoods like Deerfield, with security officers on patrol, also offer this service. Simply let them know the dates of your trip before leaving.
Posted on March 14, 2017 at 7:42 pm
Judy Dunlap | Category: Community, Safe Home, Uncategorized | Tagged ,