I like to try to compare the Internet to the “Wild West”. Yes, there are some loose laws that govern it, but for the most part it’s un-governable. So have fun out there, but BE CAREFUL!
I also like to stress that nothing is ever guaranteed, but if you follow these steps you’re doing a great deal to avoid problems.
This is definitely the age of convenience, and who doesn’t like convenience? The truth is, when we take the easy route in the World Wide Web, we’re playing with fire.
Identity theft is not exclusive to the Internet, and these steps focus on the Internet, but they could very well protect you in other aspects as well.
Avoid banking online
• Lots of banking institutions give you the ability to check your balance and things of that nature via an automated telephone system. Go to the bank teller, use the ATM, or just keep good track using your check book or accounting software.
• If you use accounting software like TurboTax/Quickbooks/etc., use it to simply track balances and other financial data, but do not import sensitive information like checking account numbers, usernames/passwords for financial institutions, etc. Convenience can get you into hot water!
• If you must bank online, do not do it from a computer that you do not know or trust. A “trusted” computer is typically your personal computer.
• This means avoid libraries, Internet cafés, Internet kiosks , work computer, school computer, friend’s computer, etc. They could be riddled with malware, but more on that later.
Avoid making purchases online
• If you must make a purchase online, do not do it from a computer that do you do not know or trust, also be careful when making your purchases from your personal computer.
• A great deal of identity theft and financial information theft occurs due to virus and spyware infections. The personal information is not stolen from the vendor you’re purchasing from, but rather straight from the keystrokes you type on your computer.
• Routinely scan your personal computer for malware.
• Do not trust the word of your security suite software alone.
• Supplement your security suite software with a product like the full version of Malwarebytes Anti-Malware or SuperAntiSpyware, but DO NOT install more than one anti-virus software, this can cause serious headaches.
• If something looks suspect, or you even suspect a malware infection, don’t risk it.
• Read some of our earlier blogs for avoiding malware infections.
Online vendor’s databases do get hacked!
• Hacking a vendor’s database is harder for the bad guys than installing malware
onto your computer, but it’s not unheard of. So if you’re going to be purchasing items online, avoid using your debit card.
• Debit cards often have little to no fraud protection and are a direct line to your checking account.
• If you’re going to use a credit card, use some of the “one-shot” credit cards
• Check with your credit card company online — they may offer an option to create one-shot credit card numbers. When you exercise this option to make a purchase online, the number received by the merchant will be valid for just that transaction. If this number in the vendor’s database were to be compromised, it couldn’t be used to wipe you clean since it was a “one shot”.
• Businesses that receive and store credit card information electronically are required to be PCI compliant by law. Check online for third party reports on whether or not they are before doing business.
Look for the lock
• The lock symbol in your browser’s Status Bar and “https” in the Address Bar show that you’ve got a secure connection. Look for it any time you’re about to engage in a financial transaction. The lock isn’t a guarantee of security, but its absence is a guarantee of NO security.
Only check your personal email from trusted computers
• The same way malware can collect your financial information, they can also collect your credentials. Compromising your personal email username and password might be the only door the bad guys need into completely hijacking your identity.
• Keep your personal “online life” completely separate from your work email.
• If you depart from your employer and have all of your personal “online life” emails (facebook/myspace/banking/etc.) sent to your work email, your employer DOES NOT have to provide you with access to your email when it comes time to change that.
• Your employer has every legal right to monitor your work email.
• Though they don’t have the right to access your personal information, why give anyone the chance?
Avoid being “phished”
• “In the field of computer security, phishing is the criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an electronic communication.”
• That’s a mouthful!
• Basically, don’t click on any links to financial institutions, social networks, etc. that you receive via email. Always type the web address directly into the address bar of your web browser.
• The only exception would be: online websites will sometimes require you to click links sent to you via email to “confirm” certain processes. Only click these links if you’re actually expecting the email, and these confirmation emails are typically sent within minutes of going through the process in question.
• Security suite software that offer a full line of protection will sometimes have anti-phishing portions wrapped up with them that can help protect you.
• Modern web browsers like Mozilla Firefox and the like also have some sort of phishing protection built in.
Remove identifying information from your social media profiles. (Myspace/Facebook/Etc.)
• Don’t display your date of birth, your mother’s maiden name, your pet’s name, or other personal details that an identity thief could piece together to get access to sensitive accounts.