Despite the numerous advances in security developments and creating awareness to curb cybercrime, hackers still come with ways to breakthrough. The ever-increasing identity theft crisis continues to terrorize people from all across the world. The worst part is that you might be a victim of identity theft unknowingly. The longer the thief remains unnoticed, the more funds they might accumulate using your identity without your knowledge. So, how do you tell that you are a victim of identity theft?
Most people today have bank accounts and credit cards for their daily transaction needs. If you are used to depositing and withdrawing without checking your account balances, you need to change your mind. Be sure to check your transactions frequently to keep track of any unusual activities that you did not authorize. It’s not just the large differences that you need to keep an eye on. These fraudsters will often make hard-to-note payments to see if your account details are active before making a huge stride on your funds, and they sometimes even clear your account of your money.
Impromptu Emails And Texts Asking To Reset Your Password
Hackers carry out their activities through online channels. The process of stealing your identity frequently emanates from your online accounts. All your online accounts must have a password that you set personally. If you set a password that can be guessed quickly, you might soon be in trouble. If the password becomes too hard to crack, they may send a request to reset the password to gain access to your account. In the process, the system could send you a reset email or text that you didn’t sign up for. If you use 2 Factor Authentication service to access your accounts, you may receive an unexpected message or push notification. This is a warning sign that someone is trying to access your account.
Unaccounted Invoices And Bills
Your stolen identity may be used to order for products or services from retailers and creditors. Upon confirming the request, the billing process commences, and the paperwork is sent to your physical address. These documents will state that you owe a specific retailer or creditor a particular sum of money for some good or service transacted under your name. This is a red flag. Hastily follow up with the retailer to make sure the invoice is not as a result of identity theft.
Receiving Follow-Up Calls From Debt Collectors
Sometimes, hackers do not need hard cash. They will use your credit accounts to make purchases. Afterwards, you may receive a call, text or email reminding you of an unpaid bill for a purchase you know nothing about. If the debtor confirms that indeed your identity was used in the acquisition, let them know about your situation. Also, report this to the police for immediate follow up.
Low Credit Scores
If you have been uptight with financial discipline and have never taken a loan but your credit scores are low, you might want to investigate further. It is possible that an identity thief soiled your credit file and damaged your scores.
As cyber-criminals become more sophisticated, it is important to stay alert because no one is safe. You can protect yourself by learning about cybercrime and how to cover yourself from fraud. Keep in mind one major way to protect yourself is to make sure that you are destroying documents that have any type of personal information on it.