Safeguards Against Identity Theft

By: Stacy Wexler | Fort Myers Computers

Although Identity Theft can happen to anyone, regardless of age or financial status, our most vulnerable community of Seniors is easily targeted by unscrupulous people; therefore, it’s of utmost importance to protect them.  Seniors should implement as many of the following safeguards as possible.

1. Shred or overwrite: Before throwing away, shred documents or use a security ink roller to blot out all personal and financial information.  Dumpsters and private trash bins full of personal data are “easy pickings” for thieves.
2. Keep personal information personal: Do not share bank account or Social Security numbers, passwords, etc. over the phone, internet, or in person unless you know the person or company requesting it. 
3. Safeguard your mailbox: Use a locking mailbox or post office box whenever possible.  Thieves look through and steal mail.
4. Monitor financial accounts: Review bank statements, credit card bills, and credit reports for suspicious activity. Immediately report everything suspicious and unauthorized to the financial institution and credit bureaus.
5. Email and phone scams: Be aware of common scams targeting seniors, such as phishing emails, fake charity schemes, Medicare scams, or a “relative” or foreigner in desperate need of money. Phishing emails appear legitimate, but are not.  The sender hopes you will reveal personal and financial information.  When in doubt, contact the companies or banks and ask if they initiated contact.  If not, report the email or call immediately.  
6. Strong passwords: Create, and update frequently, strong, unique passwords. Use secure password manager programs.  Do not use familiar personal information like addresses, birthdates, anniversaries, family or pet names, etc. nor use the same password for multiple accounts.
7. Two-factor authentication: When offered, enable two-factor authentication for online accounts. It’s worth the small inconvenience to require a code be sent to your phone or email.
8. Stay up-to-date: Keep ears and eyes open regarding the latest identity theft trends and prevention methods. Government websites, consumer protection agencies, reputable news sources, and even the sites of the legitimate companies, also being fraudulently victimized, can provide important information.  
9. Protect personal devices: Install, and keep updated, antivirus software on computers, smartphones, and other devices to protect against malware and viruses that could compromise personal information. Sometimes your phone provider (land and cell) offers data protection.  
10. Exercise caution with hired help: Before hiring, check out individuals and companies using background and insurance checks, Better Business Bureau, etc.  Ask for and speak to references.  Sites like NextDoor are helpful because “neighbors” are more than willing to share why or why not someone is worth hiring.  

Being proactive and vigilant can reduce Seniors’ risk of falling victim to identity theft and financial fraud. 

Fort Myers Computers is a friendly, prompt, patient, understanding, and knowledgeable resource.  For over 20 years, we’ve been on the front-line helping to educate, protect, and serve our Senior and Veteran communities.  Offering both Senior and Veteran Discounts, we look forward to assisting with your technology needs (239) 281-0934. www.fortmyerscomputers.com