Protect what's important to you

Here are some tips to help you protect your pocketbook and credit score:

Don’t share private information

Real companies (like banks, online retailers, and credit card companies) won’t ask for those details over email, so don’t respond—even if the email’s images and language sound official or include alarmist messages (like “Your account will be closed!”).

Don’t conduct financial activities on public computers

Don't conduct financial activities on public computers. Criminals install keystroke recognition software on public computers to spy on what you type. Hackers can also log into your accounts after you’ve left the computer unless you take steps to block them. If you do go online on a public computer, like at school or the library, make sure to disable the automatic log-in feature (it’s usually a box beneath the field for your password) and log out before you leave the computer. It’s not enough to close the browser.

Create strong passwords

Once criminal have your username, something that is often easy to find, they try to break into your account by trying the most common passwords. Create strong passwords to protect yourself. Your passwords should be at least eight characters long, that include letters, number, and symbols. Do not include common personal information (names, birthdays, addresses, or simple sequences like 12345). Also, make sure to change your passwords regularly and create different ones for each site so that if criminal break one password, your other accounts won't be compromised.

Use secure sites only

Some websites don’t use encryption software—a security measure that scrambles data as it crosses the internet—making them vulnerable to hackers. Fraudsters may also set up a webpage that looks identical to your bank’s or an online retailer, so you’ll enter your log-in information. Make sure the web address begins with "https" (the "s" stands for “secure”) and has an icon of a closed padlock—these signs mean the site is safe. Also, be wary of links sent to you, even from a friend. Fraudsters may break into your friend’s email or social media accounts to get you to click on sites that will download malware—software that can record your sensitive information.



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