Identity theft is one of the most common criminal acts in society today. Criminals will use your personal information such as banking accounts and passwords, to pretend that they are you. They may take out credit cards in your name, mortgages, or even worse. The internet has opened up a whole world of possibilities for these criminals, and the threat is very real. There are things that you can do to help prevent such a crime. It costs very little to protect your information, and it is money well spent.
The following is a list of tips to help you protect yourself from identity theft. Search around for the best price on these services, to make the most out of your money.
1. Monitor your credit report often. The U.S. government suggests that you check your credit report yearly to prevent identity theft. Every person is entitled to one free credit report a year though www.annualcreditreport.com. I would suggest checking your credit report several times a year for the highest level of protection. Look for unexplained charges or activity on your report. You can often sign up for a credit monitoring service for a few dollars a month. They will watch your credit report for you, for signs of foul play. For a good deal, look for a credit monitoring service, you should be able to get a good discount on various services online.
2. Bank with a credible bank. Stick with a financial institution that is well known. No only will they offer you the highest level of protection, but they often have the best interest rate deals around. Get your credit cards through reputable companies as well. Be weary of small companies, with little credentials.
3. Don't give out your personal information to anyone. A good financial situation will never ask for your login information or passwords. Be weary of anyone that asks you for your mother's maiden name. This is one of the most common items used for identity theft. Use your birthplace or pets name whenever possible. It will be harder to steal your information.
Protecting yourself online doesn't have to cost an arm and a leg. By looking for deals and promotions at coupon websites, you can save a great deal on the services that you need. I would recommend using the free credit report option, coupled with a credit monitoring service for the best protection. The earlier you catch criminal activity, the less damage they are able to do.
Melanie Breeze, avid online shopper and user of CouponChief.com, is always shopping around for the best deals. You can find credit monitoring discounts and all coupons available for stores on the web at CouponChief, all in one location. Find a coupon before any online purchase!