Initiate a “security freeze”
A security freeze blocks credit bureaus from releasing your financial records to new lenders. This action stymies the ability of identity thieves to borrow as much debt as they can in your name. Security freezes are simple to initiate and to remove. Here are links to the three largest credit bureaus:
Create a password strategy
Write down your passwords in a notebook reserved for this function. Or go paperless. Here are five password managers to consider:
Turn on two-step verification for Internet websites
According to Google, “When you enable 2-Step Verification (also known as two-factor authentication), you add an extra layer of security to your account. You sign in with something you know (your password) and something you have (a code sent to your phone).”
Use fictional responses for challenge questions
Some websites use challenge questions – example: what is your mother’s maiden name? – for their two-factor verification. But cyberthieves can often find this information on the Internet, which is why fictional responses might be more effective.
Use Virtual Private Networks
Technology authorities describe them as “secure tunnels.” VPNs make it difficult for cybercriminals to steal your log-in credentials or route you to phony banking sites. They are especially valuable for travelers or anyone using public Wi-Fi.
Update your operating system
Today’s operating systems include features that encrypt data, sniff out phishing attacks, or block unauthorized applications from incoming connections. In addition to updating your operating system, check to make sure your computer’s internal are switched on. The following links help you audit what online security features you are using.
