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Security Tips

Never Respond to Emails Asking for Personal Information

Companies you do business with should never ask for your account information, credit card numbers or password in an email. If you have any questions about an email you receive that supposedly came from your financial institution or service provider, find their number on their website and call them.

Social Media Privacy Settings

Privacy settings on social networks have limited value. They are confusing to configure and change often. Ultimately, if you do not want anyone or boss reading it, do not post it.

Secure Your Home Wi-Fi Router

The most effective steps you can take to secure your wireless network at home is to change the default admin password, enable WPA2 encryption and use a strong password for your wireless network.

Fake Online Stores

While most online stores are legitimate, some are not; they are fake websites set up by criminals. Criminals create these fake websites by copying the look of or using the name of well-known stores. They then use these websites to prey on people who are looking for the best deal possible. When you search online for the absolute lowest prices, you may be directed to one of these fake websites.

When selecting a website to purchase a product, be wary of websites advertising prices dramatically cheaper than anywhere else or offering products sold out nationwide. The reason their products are so cheap or available is because what you will receive is not legitimate, is a counterfeit or stolen item or, in some cases, you never even receive anything. Protect yourself by doing the following:

 

 

Remember, just because the site looks professional does not mean it’s legitimate. If something about the site sets off warning bells, take time to investigate. If you aren’t comfortable with the website, don’t use it. Instead, find a well-known website you can trust or have safely used in the past. You may not find quite as great a deal or find that hot ticket item, but you are much more likely to end up with a legitimate product and a clean credit report.

Your Computer/Mobile Device

In addition to shopping at legitimate websites, you want to ensure your computer or mobile device is secure. Cyber criminals will try to infect your devices so they can harvest your bank accounts, credit card information and passwords. Take the following steps to keep your devices secured:

 

 

Your Credit Card

Keep an eye on your credit card statements to identify suspicious charges. You should review your statements regularly, at a minimum at least once per month. Some credit card providers give you the option of notifying you by email or text messages every time a charge is made to your card or when charges exceed a set amount. Another option is to have one credit card just for online purchases. That way, if it is compromised, you can easily change the card without impacting any of your other payment activities. If you believe fraud has been committed, call your credit card company right away and explain the situation. This is also why credit cards are better for online purchases than debit cards. Debit cards take money directly from your bank account, and if fraud has been committed, it can be far more difficult to get your money back.

Finally, there is new technology that enables you to pay without exposing your credit card number. Consider credit cards that generate a unique card number for every online purchase, or use well-known payment services, such as PayPal, which do not require you to disclose your credit card number to the vendor.