Fraudsters are professional schemers. While the digital age has made daily life easier in a variety of ways, it has also opened up many doors for which fraudsters can obtain our personal information in an attempt to steal our identities and/or our money.
There are three fundamental ways that you can ensure your chances of fraud are significantly reduced. We consider these our “digital best practices.” They are rules that you should be sure to implement immediately for better security online. They include:
1. Updating your passwords twice a year. The longer you use a particular password, the more time you are giving a fraudster to figure it out. Many digital professionals recommend changing your password yearly, but we don’t think that’s often enough. To maximize your safety online, we recommend you change your passwords at least twice a year. For added safety, also try not to use the same password for all of your logins. This will make it harder for them to hack into more than one of your accounts. Just be sure to write them down somewhere so that you don’t forget them!
2. Check your online credit card statements monthly. If you don’t make a habit of doing so regularly already, check your online bank statements at least once a month. Fraudsters will often “test” bank accounts they have hacked by first making a couple very small purchases (i.e. a dollar charged here, three dollars charged there) to see if you will detect it. If you don’t they will begin making larger purchases with your debit or credit cards. The sooner you detect a fraudulent charge on your account, the sooner you can alert your bank and remedy the situation.
3. Never provide your social security number online. Unless you are 150% sure that the website you are giving your personal information is legitimate (i.e. banks, governmental entities, etc.), never input your social security number if prompted. This is an easy trap that fraudsters lay that can put your personal information at risk. Play it safe by being extra cautious about what information you provide online.
Inter Valley Health Plan hosts classes regularly on health and vitality. For a full list of classes in your area, please visit ivhp.com/forhealthandliving.
Article From Inter Valley Health Plan