Los Angeles Times

Freezing your credit is a good start, but you can do more to avoid ID theft

- By Jessica Roy

I’m a victim of identity theft. Thieves stole my wallet out of my purse and were able to find out everything else they needed to steal my identity online. They exploited a system that the government, law enforcemen­t and financial institutio­ns aren’t doing much to improve.

But there are quick and easy steps you can take that will decrease the chances of your identity being stolen, and help mitigate the damage if it is.

Freeze your credit.

It takes 15 minutes to do this with the three major credit bureaus (Equifax, TransUnion and Experian), and even less time to unfreeze when you’re applying for a loan. It is free to freeze and unfreeze your credit — you don’t need any paid “upgrades.”

Review your credit report at least once a year.

You are eligible to receive a free copy of your credit report from each credit rating agency annually. Go through it and make sure everything looks right. Visit AnnualCred­itReport.com to request yours.

Check your passwords.

Make sure your sensitive accounts — things such as your email and your bank accounts — have strong, unique passwords. If you use the same password everywhere, one account gets hacked and your data are leaked, then all of your accounts are vulnerable. PC Magazine, Wired, and CNET all have recommenda­tions for password managers that make it so you don’t have to remember every single one. Check Have I Been Pwned to see which passwords have already appeared in data breaches.

Add two-factor authentica­tion everywhere you can.

Yes, it is annoying to spend an extra 10 seconds waiting for a text or authentica­tion alert when you log in to your email or bank account. But it’s the best way to secure them. Having two-factor on my Gmail account meant the people who stole my identity were never able to fully access my bank accounts or credit cards.

Sign up for alerts from your banks.

Log in to your bank account and credit card accounts and figure out how to add text or email alerts so you’ll be notified immediatel­y if someone tries to open a new one.

Never give anyone your bank password or verificati­on code.

Anyone asking you to tell them your password or a code you were just texted is trying to get it to access your account.

Review your bank statements regularly.

See any transactio­ns you don’t recognize? Call your bank right away to investigat­e.

Opt out of prescreene­d credit card offers.

These can be a data gold mine for thieves. Shred any that you do receive before tossing them. Visit OptOutPres­creen.com to stop them.

Don’t carry your Social Security card in your wallet.

Thieves probably can still get your Social Security number in other ways, thanks to countless data breaches. But at least don’t give it to them.

Retrieve mail promptly, and stop it if you’re going out of town.

Stolen mail is one of the easiest ways for thieves to get your informatio­n. The people who stole my identity were arrested with a bunch of stolen mail and tools to access mailboxes in their car. Minimize opportunit­ies for your mail to be stolen, especially if you’re expecting any sensitive financial documents such as a new debit card or checkbook.

Limit your digital presence.

Be thoughtful about what you share. Does the website that sells your favorite protein powder need to know your real birthday? Have you changed your social media profile settings as much as possible, or can anyone see what your hometown is? If you want to take this to the next level, use a service such as DeleteMe, which removes your personal informatio­n from data aggregator­s (for a price).

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