I recently have had several credit cards compromised. On one, there were fraudulent charges. On another, someone called in to the credit card company and was able to be approved as an additional authorized user and was sent a credit card. This last one has scared me. The person who called in knew enough about me to convince the person at the bank that they were me. They knew my social security number (or at least last 4 digits) and my birthday.
So much information is online – someone could probably figure out my best friend’s name (from Facebook), where I was born (by searching public records), what high school I went to (again from Facebook), my mother’s maiden name (also in public records), and a host of other words I would use in security questions.
Here’s what I’m doing to protect myself.
- Changing my user name and password on all websites
- Making up a new BFF
- Talking to the credit bureaus about protecting my ID
- Making sure my privacy settings on Facebook and other social media sites are at the highest level possible
- Purchasing a new wallet with RFID protection
If you have other ideas of things I or others can do, please let me know.
When you go to buy a home, your credit is critically important, don’t let it get messed up by people affecting your accounts. If you’d like further information, please call me a (206) 790-0081 or email [email protected].