Which of the Following Is Not a Recommended Method to Protect You from Identity Theft?
Have you ever wondered if your efforts to protect yourself from identity theft are actually working? In today’s digital world, personal information is more vulnerable than ever. But with so many security tips floating around, some might be misleading or even useless. Let’s explore the best ways to safeguard your identity and uncover which methods are not actually recommended.
What Is Identity Theft and Why Should You Care?
Identity theft happens when someone steals your personal information—like your name, credit card details, or Social Security number—and uses it for fraud. This can lead to unauthorized purchases, fake loans in your name, or even criminal activities linked to your identity.
I once had my debit card information stolen, and the thief started making small online purchases. Since I wasn’t checking my transactions daily, I didn’t notice until a large transaction drained my account. That was my wake-up call!
Recommended Methods to Protect Yourself from Identity Theft
There are several effective ways to keep your identity safe. Let’s go through the best practices that truly work.
Regularly Monitor Your Credit Reports
Checking your credit report can help you spot unauthorized activities. In the U.S., you can get a free credit report annually from each of the three major credit bureaus: Equifax, Experian, and TransUnion.
Tip: I set a reminder every three months to check my reports, and it has helped me catch suspicious activities early.
Freeze Your Credit to Prevent Fraud
A credit freeze stops identity thieves from opening new accounts in your name. Even if they steal your personal data, they won’t be able to take out loans or credit cards.
I froze my credit after a data breach at my bank, and it gave me peace of mind knowing no one could take out loans under my name.
Use Strong, Unique Passwords and Enable Two-Factor Authentication
A weak password is like leaving your front door open for thieves. Use long, complex passwords and enable two-factor authentication (2FA) for extra security.
I use a password manager, and it has made my life easier. I don’t have to remember hundreds of passwords, and I know each one is unique and secure.
Be Careful When Sharing Personal Information
Never share sensitive information over the phone, email, or social media unless you are 100% sure of the recipient. Scammers often impersonate banks or government officials to trick people into giving out their details.
Once, I got a call from someone claiming to be from my bank, asking for my Social Security number. I refused and called my bank directly—turns out it was a scam!
Shred Sensitive Documents Before Throwing Them Away
Identity thieves can dig through your trash to find old bank statements or bills. Always shred documents that contain personal information.
I invested in a good shredder, and now I shred everything that has my name, address, or any financial details on it.
Not All Methods Are Effective – Which Ones Should You Avoid?
Now that we know the best ways to protect ourselves, let’s look at some not-so-recommended methods that might not be worth your time or money.
Paying for Expensive Identity Theft Protection Services
Many companies offer identity theft protection services, but they often charge high fees for things you can do for free—like checking your credit report and setting up a credit freeze.
I almost signed up for a pricey service until I realized I could do most of it myself without spending a dime.
Relying Only on Strong Passwords Without 2FA
A strong password helps, but it’s not enough. If hackers get your password, they can still access your accounts. Always enable two-factor authentication (2FA) for extra protection.
Ignoring Software Updates on Your Devices
Hackers exploit security flaws in outdated software. If you don’t update your phone, computer, or apps regularly, you are at risk.
I used to ignore updates until my email got hacked through a vulnerability in an old app. Now, I update everything as soon as I get a notification.
Using Public Wi-Fi for Banking or Shopping
Public Wi-Fi at coffee shops or airports is convenient, but it’s also dangerous. Hackers can intercept your data if you’re not using a VPN (Virtual Private Network).
I once accessed my bank account from an airport Wi-Fi, and a few days later, someone tried to log in from another country! Lesson learned—always use a VPN.
Not Checking Your Financial Statements Regularly
If you don’t check your bank and credit card statements, you might miss fraudulent transactions.
A friend of mine didn’t notice a $5 charge on his credit card each month. Turns out, someone had stolen his card details and was testing small amounts before making a big purchase.
Falling for Phishing Emails and Fake Websites
Scammers create fake websites that look like real banks or online stores. If you enter your login details, they steal them.
I almost got fooled by an email that looked exactly like my bank’s. The only difference? The sender’s email address was slightly off. Always double-check before clicking on links.
How to Stay Ahead of Identity Thieves
Now that we know what works and what doesn’t, here are a few extra steps you can take to stay one step ahead:
- Use a Virtual Private Network (VPN) when browsing online, especially on public Wi-Fi.
- Set up alerts on your bank accounts for any transactions over a certain amount.
- Limit the personal information you share on social media. Birthdays, locations, and family member details can be used by hackers.
- Use biometric authentication like fingerprint or facial recognition when available.
Final Thoughts – Protect Yourself the Right Way
Not all security measures are equally effective. Some can save you from identity theft, while others are just a waste of time or money. Focus on proven methods—monitoring your credit, using strong passwords with 2FA, freezing your credit, and avoiding risky behaviors like using public Wi-Fi.