Check Your Credit…change your passwords

Check Your Credit…change your passwords

As consumers in the digital age we have repeatedly had our confidence in the security of our identity and financial information tested. First it was the dramatic increase in identity theft at the IRS. Then the major data breach at companies like Target, Neiman Marcus, Yahoo and others. Now we hear that a bug called Heartbleed has made secure web sites anything but secure. Here is a checklist of things to consider;

CheckChange your user ids every three to six months
CheckChange your passwords every three to six months
CheckClose potentially compromised accounts
CheckReplace compromised debit and credit cards
CheckUnderstand your risks of theft
(for instance your financial risk on credit theft is different than debit card fraud)
CheckConsider a credit monitoring service
CheckMonitor your social media footprint
CheckUpdate your computer security software
CheckReview your credit reports
CheckCorrect any errors on your credit reports
CheckReview your children’s accounts and credit reports
CheckReport suspicious activity in your accounts
2015 Health Care Savings (HSA) Account Limits Announced
CheckShred confidential information before tossing it
CheckDo not share logins and passwords
CheckCreate separate credit card and banking accounts for internet transactions
CheckConsider using a PO Box for mail

Other resources

PointFREE credit report. Each year you are entitled to receive a FREE credit report from the major credit report companies. To receive yours go to:
PointIRS Identity Theft: Tips for taxpayers
PointFederal Trade Commission: Identity theft help

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