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Only YOU should be you<br> <i>11 Tips for avoiding identity theft.</i>

March 22, 2007
Statistics show that approximately three percent of all US households are victims of identity theft. This translates to approximately ten million victims annually. We have all heard horror stories of people who have gone to make a major purchase and were rejected for being "over the limit" or for "having bad credit" though they knew that wasn't true. Precautions that were sufficient in the past such as keeping the credit card carbon papers and shielding the ATM when entering your PIN code just don't cut it in today's high tech world. Here are some suggestions of things you can do to avoid being an identity theft victim:
  1. Encrypt wireless networks at home. Although the web sites you are visiting may be secure, the data passing from the wireless card in your PC to the router is not secure unless it is encrypted, and could be stolen by anyone who can "see" the network.
  2. Be suspicious of unsolicited email, especially if it is asking you to enter or confirm personal or financial information. Although these emails look legitimate, highly skilled hackers create replicas of well known web sites to steal your private information. This technique is called Phishing.
  3. Install security software on your PCs and keep it up to date to watch for viruses and spyware which can steal your personal information and transmit it to identity thieves.
  4. Look for the "lock" when shopping online. Websites which are secure display a small gold lock at the bottom of the browser indicating that the data being passed online is encrypted and safe.
  5. Keep your identity to yourself when doing casual web surfing. There is no reason to enter your actual name or email address onto a site unless you are purchasing something. Use an alternate address from Yahoo or Hotmail, or even a disposable email address from a service like SurfSpamFree.
  6. Don't make it easy for thieves to guess PINs and passwords. When creating these, do not use birthdays, pet's names, children's names or other things that would be easy to guess. Try to use a mixture of letters and numbers, and include some upper and lower case letters if possible.
  7. Most debit cards can be used as either debit or credit cards. Use them as credit cards to avoid having to enter your PIN. Entering your PIN in public significantly increases your chances of being the next identity theft victim.
  8. Shred your trash, or at least the pre-approved credit card offers and anything else which might have personal information on it.
  9. Be aware of pop-up ads on your computer. If the volume of these has recently increased, it might be an indication that you have spyware on your PC which could be monitoring your activity and sending your personal information to a thief somewhere.
  10. Most importantly, check your credit report regularly. The credit bureaus are required to give you a free copy of your credit report annually. If you see anything suspicious on there, check it out and have it removed. You can order your report through AnnualCreditReport.com.
  11. If you're unsure about your computer or network security then you may be vulnerable to being the next victim of identity theft. Contact ForeSite at 1-866-GO-4-SITE if you need assistance keeping your network safe and secure.