4 Common Sense Ways to Protect Your Identity

By: Dave Galahad
Submitted: 2007-01-17 16:23:30
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It’s hard to get through a week without reading about someone’s identity being stolen and their financial life literally ruined in a short period of time. Identity theft is relatively easy and sometimes the crime isn’t discovered until victims are several thousand dollars in the hole. We make it very easy for identities to be stolen; and sometimes freely give our personal information to would-be identity thieves.

Recently I was in line at the post office and there was a girl on her cell phone just a few spaces in front of me. She was talking rather loud, as most people on cell phones think they have to do. If I wanted to steal her identity, I could have because she made it very easy for me or anyone else within earshot of her conversation. In less than 5 minutes she blurted out her first and last name, home address, cell phone number, talked in detail about a few relatives, school friends, church, and I eventually got her place of employment from a casual glance at her id badge she was proudly displaying. With any two pieces of information, an enterprising identity thief (or debt collector, private investigator) can get the rest of what they need to know to become you and spend your hard earned money.

Keep your voice down
Not only is it beyond rude to impose your cell phone conversation on people nearby, you can go a long way towards protecting your identity by keeping the conversation to yourself. The only people around you who want to listen are those who are out to get some juicy piece of information. Always assume someone else is listening and will use your information to their advantage. Keep your voice down or excuse yourself to a more private location if you must give out some personal information on the phone.

Avoid displaying picture id’s, security badges, name tags
I guess that some people are proud of where they work or maybe feel important if they wear their picture id’s and security badges outside of work. Make it as hard as possible for someone to find out who you are. If someone takes a look at you, with the intent of obtaining information you wouldn’t normally give out to strangers, and sees nothing, they’ll move on to a more vulnerable target.

Shred it all
Shred old receipts, bank statements, and any other personal information to keep from dumpster divers and your friendly neighborhood trash collector. Dumpsters are a gold mine for identity thieves. Old receipts, financial statements, and similar documents contain a lot of personal information which can be used. Shred these documents before you throw them away. I’ve watched my own trash collectors take a few seconds to see what they’ve put in their truck and rummage through it. I’ve never seen them take anything out of the trash and put if up in the cab for safe keeping but you are better off not giving them a reason to be nosy.

Use technology to your advantage
Spyware, adware, computer viruses, and a host of other things are out to get any piece of information about you. Just a simple software program (Norton AntiVirus or McAfee Security Center) can make you a difficult enough target that the majority of identity thieves will leave you alone and search for an easier target.

It really just comes down to common sense. Do what you can to protect yourself and be aware of your surroundings. A little prevention goes a long way to making our busy lives less complicated. Two days ago I was standing in line at the same post office and there was another girl on her cell phone directly in front of me. No matter how hard I tried I couldn’t hear what she was saying. She protected herself very well by just keeping her voice down and not drawing anyone’s attention.

Dave Galahad is a freelance writer for ABCMoneySource.com on topics of banking, finance, investing, credit, savings, and debt. At ABCMoneySource.com our mission is to empower YOU with understanding on money matters and quickly find MoneySources to finance your dreams..... All from the comfort and privacy of your computer.

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