India Broadband Forum

Rameshjeee

How to protect your identity online

Identity theft is now one of the rapidly growing crimes in India. Your name, address, bank account number, credit card number or other identifying information can be used to commit this crime or other fraud without your knowledge.

Identity theft causes huge losses to financial organisations and individuals regularly. Here we bring you a few tips that can help you protect yourself against identity theft.

Be careful while sharing personal info
Never give out personal information over the phone, through mail or on the Internet unless you are sure you know whom you are dealing with.

If you are sharing personal information, confirm that you are dealing with a legitimate person or organisation. If you receive a phone call or email asking you to verify information, do not respond. End the call and call the bank directly.

Shred your old bank statements
Tear up or shred receipts, old bank statements, unused credit card offers and all financial information when it is no longer needed, before throwing it away.

Don’t leave sensitive documents containing personal information where anyone can see it. Do not carry identity documents of any nature if they are not needed. If your ID or credit/debit cards are lost or stolen, notify the authorities immediately.

Review your bank statement, credit card statement or any financial statement for accuracy as soon as you receive it.

Secure your password
Always use the password log-in feature on your computer. Memorise your passwords and PINs: never keep them in your wallet, purse or in a diary that you use regularly.

Protect your PINs and computer passwords. Use a combination of letters and numbers (the longer and more complex a password is, the stronger it is) and change them often. Never leave this information where others may gain access to it.

Do not use any part of your birth date, middle name, spouse’s name, child’s name, mother’s maiden name, address, or consecutive numbers. Instead, use something unique that only you know.

Be cautious of online scams
Watch out for email-related scams such as phishing lotteries, windfalls, jobs, gifts, inheritance, etc.

If you receive an email asking you to give your personal information by clicking a website link in the e-mail, do not do so. Instead, go directly to the sender’s website by typing in the sender’s website address.

Check out these thread for Online Scam Websites:
Online Scam Websites

Update your PC frequently
Update the virus protection software on your PC regularly. Do not open files from strangers or company/e-mail IDs you don’t know.

Install and periodically update anti-spyware, virus protection and firewall software.

Check out these thread for best Anti Virus:
What will be the Best Security For PC?
Which Anti_virus is good?

Sniff out threats
Identity theft indicators -- like failing to receive bills or other mail on time, receiving credit cards for which you did not apply, denial of credit for no apparent reason, receiving calls from debt collectors or companies for products or services that you never availed of.