Simple Habits That Make You a Harder Target

Identity thieves look for easy opportunities. You don't need to become a security expert to protect yourself. A handful of simple habits can make you a much harder target, pushing criminals to move on to someone else.

Use a password manager

Reusing passwords is one of the biggest risks online. When one site is breached, thieves try the same login everywhere else. A password manager creates and remembers a strong, unique password for every account, so you only need to remember one.

Turn on two-factor authentication

Two-factor authentication adds a second step to logging in, such as a code from an app. Even if someone steals your password, they can't get in without that second factor. Turn it on first for your email, banking, and phone carrier accounts.

Never share verification codes

If someone calls or texts asking you to read back a code sent to your phone, it's a scam. Legitimate companies won't ask for these codes. Sharing one can hand a thief direct access to your accounts.

Shred sensitive documents

Bank statements, medical bills, pre-approved credit offers, and old tax documents can all give thieves what they need. Shred anything with personal information before throwing it away.

Leave your Social Security card at home

There's rarely a reason to carry it. Keep it in a secure place, and only give out your number when it's truly required. It's fine to ask a business why they need it.

Be careful on public Wi-Fi

Avoid logging into banking or sensitive accounts on public Wi-Fi at coffee shops or airports. Use your phone's cellular data or a reputable VPN instead.

Keep your devices updated

Software updates often fix security holes that criminals actively exploit. Turn on automatic updates for your phone, computer, and apps.

Limit what you share online

Your birthday, hometown, pet's name, and school are common security question answers. Think twice before posting them publicly on social media.

Review your accounts regularly

Glance at your bank and credit card activity at least weekly, and check your credit reports a few times a year. Catching fraud early makes it far easier to fix.