Protect Yourself from Cyber Criminals

Don’t you like to protect your money and keep your private information safe? Are you frightened by the possibility an Internet criminal will steal your credit card and do things with your name after stealing your identity? Guess what! You can prevent this mess from happening. Let’s go over the steps you can take to prevent identify theft and loss of your money while you are online.

Take precaution with storing information and passwords on any computer you use. You might be thinking, “I am the only one who uses my computer; therefore, I can store the password I use to log into my computer and any accounts I have with different websites.” If you believe this and act accordingly, you could be in trouble. Someone might rob you of your laptop or break into your home and steal your computer. Furthermore, you will probably have to recycle or throw away your computer eventually.

Choose passwords wisely. Do not choose a password that has any part of your name or other information that identifies you. Choose an unusual password or a password you think others will have trouble guessing. If you open an online banking account or PayPal account, create a password that contains numbers and capital letters. Never reveal your passwords.

Be careful when reading E-mail messages from PayPal. The real PayPal site only addresses you by your name and it does not provide links for you to click or ask for your password. If you get a “PayPal” or “eBay” message saying you must verify your account to avoid suspension, ignore it. If you are ever tempted to respond, it is safer to copy and paste the link into your browser. If you ever believe an account of yours has been breached, immediately change your password and report the breach to the site holding your account.

Ignore E-mail messages in which you are asked to submit a form to claim a tax refund. The IRS does not actually contact people online unless they are returning a message.

Ignore messages from Microsoft and others that try to get your personal or financial information by claiming you have won the lottery or that you are a beneficiary of a huge sum of money. Also ignore messages in which each letter for the sender or subject line is capitalized.

Take precaution when sending messages online. A cyber criminal gained access to my debit card after I revealed my new debit card number on a web site’s contact message form as a result of not being able to get their system to recognize my new debit card.

Handle your social security number with care. Do not provide it when you use a web site or submit a cover letter, resume or other form of communication online.

Be careful when making online purchases. Make sure the site has a padlock symbol that represents a secure purchase. An https site is highly encrypted to prevent others from seeing your credit card.

Use these tips to prevent identify theft and loss of your money!