How to Become an Identity Theft Victim in Just 24 Hours

Written by Banks Editorial Team
2 min. read
Written by Banks Editorial Team
2 min. read

Find out how your daily activities could make you an identity theft victim and your financial information vulnerable to hackers. With so many identity thieves lurking online and in person, your daily habits could be putting your identity in jeopardy. In fact, if you’re not careful, you can become an identity theft victim before lunch!

Did you know some credit monitoring apps offer up to $1 Million identity fraud insurance? If you are unlucky and fall as an identity theft victim, you can feel safe while you also keep your finances on track.

Credit Score Apps

Experian Boost is a free service that allows you to add eligible, on-time payments to your credit report, potentially increasing your credit score.

Here’s a look at the routine activities that could make you an identity theft victim susceptible to hackers and scammers:

When You Get the Mail

Tossing unopened credit card offers in the trash is like an invitation to fraudsters to come steal your information. Dumpster diving is a real thing, and putting your pre-filled credit applications and other mail with personal info in the regular trash when you do your daily mail sorting makes it easy for thieves. The solution here is simple: shred, baby, shred!

Bonus tip: If you’re going out of town, be sure to put a hold on your mail service so that it doesn’t remain sitting in your mailbox for days for anyone to grab.

When You’re Out and About

Free Wi-Fi is awesome, but not for online banking on the go. Anyone with a “hacking 101” degree will be able to break into your smartphone activity and take what they want (account information, passwords, etc.) if it isn’t secure. Refrain from doing anything important when using public Wi-Fi.

Bonus tip: Downloading a VPN (virtual personal network) app will encrypt your online activity, which makes it more likely that a hacker will move on to easier prey.

When You’re Swiping

Whether you’re getting gas, out for a meal, or shopping at your favorite retailer, be careful when swiping your plastic. Sophisticated skimming devices placed over card payment terminals have been helping fraudsters steal personal information off of magnetic card stripes for years. If you have a chip card, you’re a bit safer, but if your gut tells you a terminal seems shady (like if it’s loose or discolored), walk away.

Bonus tip: Always cover the PIN pad. You might feel weird doing it, but you absolutely should. Without your PIN code, even if a thief gets your other information, he or she likely can’t break into your account.

Credit Score Apps

Experian Boost is a free service that allows you to add eligible, on-time payments to your credit report, potentially increasing your credit score.

When You’re Online Shopping

If you’re on big-name sites, you’re probably safe, but it’s always smart to look for the ‘https’ in the address bar of your browser, which indicates you’re on a secure site. You also want to make sure that when clicking a link from an email, that it sends you to a real website, not a copycat one. Otherwise, you could fall for a classic “phishing” scam.

Bonus tip: Think twice before using your debit card for online purchases. Credit card issuers will not hold you responsible for even a penny if fraud takes place, while hacked debit accounts could tie up your actual money for a few days.

When You’re Home

Every household has mobile devices, tablets, and laptops these days, and if you’re not password-protecting them, anyone who has access to your home (repair people, cleaning service, your teen’s friends) can hack in. This is good to remember if you’re leaving gadgets behind in hotel rooms also.

Bonus tip: Similar advice goes for low-tech items, too! Leaving important papers and bills lying around on the counter makes it easy for someone to snap a picture of your account numbers.

When it comes to your personal identity, try to think like a thief. Being mindful of what you do on a daily basis can help protect your identity.

Want to really deter ID thieves? ID theft protection can safeguard your information; sign up now to one of the recommended credit monitoring apps and feel safe from identity theft.

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