Example: Sally always finds herself online shopping. One day, she finds a new pair of Louis Vuitton’s that she just has to have. Sally is brought to a checkout page on the website. It’s here that she’s asked for more than just her address, phone number, and credit card information, but rather her date of birth, Social Security number and account number. Being naive, Sally enters her information.

Two months later…

Sally finds purchases on her credit card statement from Florida. Sally, who resides in NY, knows that she couldn’t possibly have purchased anything from there.

Sally discovers she has become a victim of identity theft.

Lesson learned: Consider who is asking for the information and what they are going to do with it. If someone is asking for more sensitive data, such as a social security number, double check to make sure that they aren’t part of a reported scam here and verify that they haven’t received any complaints with the BBB.

identity theft, ivr tech group, pay by phone, credit card, avoid credit card fraud, identity stolen, avoid identity theftTip #2: Shred all sensitive documents

Example: Bobby is a local con artist. He goes to the casino by day, and steals credit card information by night. One night he decides to visit Tim Han’s hardware store. Tim, the owner of the store, exhausts himself everyday for hours on end working, and often finds himself setting aside paperwork in his shop. This paperwork contains the credit card numbers of people who have purchased a product over the phone. Yes, Tim just writes down the credit card numbers. Once he is done with them, he throws them into the trash. Bobby, being the con-man that he is, digs into Tim’s trash one day in hopes he’ll find something. Low and behold, Bobby found 20 credit card numbers of people who will soon find out that he has stolen their credit card information.

20 people have officially become victims of credit card fraud.

Lesson learned: Shred your documents. There are thousands of “Bobbys” out there just waiting for you to make a mistake. Shredding documents is one of the best ways to protect yourself against identity theft and credit card fraud. By shredding all documents that contain any personal information (including your address, telephone numbers and other sensitive data), you make it a lot harder for someone to find any sort of useful information to use against you.

identity theft, ivr tech group, pay by phone, credit card, avoid credit card fraud, identity stolen, avoid identity theftTip#3: Secure your mailbox!

Example: Lionel is your neighborhood walker. At 6am he gets up, puts on his workout clothes, and walks the neighborhood for an hour. Unbeknownst to you, Lionel has been contemplating whether or not he should be checking your mailbox every first of the month. He knows that on the 31st, you put your discover bill payment in the mail for it to be picked up the next day. Seeing as your account information is on the statement, this is the perfect opportunity for Lionel. Therefore [you guessed it] if Lionel decides to make a move and buy new workout clothes using your credit card information, you will officially become a victim of credit card fraud.

Lesson learned: Some people will go to great lengths to steal your information, and yes, including to your own mailbox. You should reconsider leaving checks or other sensitive information in there just in case you have a Lionel wandering around your area.

identity theft, ivr tech group, pay by phone, credit card, avoid credit card fraud, identity stolen, avoid identity theftTip #4: Consider Electronic billing

I know some of you are probably like me and prefer your billing statements mailed, but considering that the digital world will forever be evolving, it may be a great time to consider electronic billing.

Example: Donny is 67 years old, and gets his electric bill delivered to his home every month. Bobby, our friend from Tip #2 is his neighbor. Do I need to say anymore?

Lesson learned: Paper billing is a perfect target for thieves, and it’s easy to throw away items that contain personal information without even thinking about it. But someone like Bobby, looking for this information, wouldn’t think twice.Someone like Donny may want to consider electronic billing.

Keep in mind: There are text blast services out there to provide you with your account information at the push of a button, and even pay by phone/text options are available (just be sure that they are a secure provider for that information).

identity theft, ivr tech group, pay by phone, credit card, avoid credit card fraud, identity stolen, avoid identity theftTip #5: Strong passwords will go far

Example: Jimmy has 10 different online accounts ranging from email services all the way to banking accounts. He uses the same password for each account. One day the local hacker, Tommy, decides he’s going to hack into Jimmy’s banking account, only to find out that his banking password is linked to all of Jimmy’s other accounts. Jimmy has become a victim of identity theft.

Lesson learned: If you’re going to use the same password for everything, make it a strong one! Strong passwords include capital letters, numbers, special characters etc. Although these passwords can be difficult to remember, there are sites such as lastpass.com that can save your passwords so you don’t have to remember them and even generate secure passwords for you!

If you’re ever a victim of fraudulent activity, it could take an unmeasurable amount of time to clean up your credit and re-establish your credit score. When it comes to dealing with your sensitive data, be sure to keep in mind the risks of exposure and how it may affect you in the long-run.

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Ashley

Ashley

Ashley has a Bachelor’s Degree in Journalism and a Minor in Writing. She’s a firm believer that hard work pays off and is currently trying to make her mark in this crazy place we call the world.

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