• Use anti-virus software, and keep it updated.
  • Getting infected with a computer virus or Trojan can be frustrating. These programs are known to destroy your computer, slow its performance, and barrage you with annoying pop-up ads. However, the types of viruses and Trojans that infect computers today are more malicious. They are designed to steal your credit card information and passwords, take over your email and use it for spamming, or even record what you type on your computer. Also, many of the new viruses and Trojans aim to be transparent so most people don’t even know they have been infected.

  • Use a personal firewall, and keep it updated.
  • Hackers constantly create new ways to penetrate your computer. Installing a personal firewall is essential to safeguard your computer and valuable personal information. A firewall is a secure barrier that sits between your computer and the Internet that prevents hackers from accessing your information.

  • Create strong passwords and change them regularly.
  • Do you think your password is impossible to guess? The reality is that many people use simple passwords that are easy to remember but make it easy for hackers to gain access to your financial and personal accounts. Making your password more complex will keep you safer online (though much more can still be done).

    You should also have more than one password that you use. Just as you wouldn’t use the same key for your house, your car, your mailbox and your office, you shouldn’t use the same password for all of your online accounts. This exposes you to more risk and increases the likelihood of having your information stolen.

  • Be aware of deceptive emails, pop-ups, and other online scams
  • Online criminals will attempt to acquire your personal information by luring you to a website that looks legitimate, but is actually a fake site. If you receive any emails from an unfamiliar source, or any suspicious pop-ups, do not click on the links or open the attachment.

  • Check the security lock.
  • Sometimes, just the presence of a security lock alone is not proof enough that a website is genuine. If in doubt, you can verify a website is genuine by double clicking on the lock to display the website’s security certificate, and then check if the name on the certificate and the website that appears in the address bar match. If they do not match, then the website might be phony.

  • Guard your privacy and limit the amount of personal information you share online.
  • The growth of social networking sites over the last two years has made it easier for online criminals to obtain information on you. This is a way for them to gather information to answer the challenge questions most online service providers require in order to enable access to your account or retrieve and change your password. Limit the amount of personal information you publicly share online.

  • Fraud is always on the move.
  • As consumers become more educated about fraud and identity theft, online criminals are moving to other places to launch their scams. Phone scams are gaining popularity again. There are two common types of phone scams. The first type of scam involves an email detailing a problem with your account and requests you to call a specific phone number to provide more details. The second type of scam involves a phone call from an automated call center asking you for sensitive information. You should never provide personal information to an unsolicited caller.

  • Check your online statements frequently.
  • Despite adopting all the appropriate security measures, online users still manage to fall victim to scams and have their identity stolen. In order to help ensure that you and your information stay safe, check your online account statements frequently. If you have fallen victim to online fraud, the sooner you know about it, the sooner you can act to block your accounts, and take corrective action. If you detect suspicious activity in your account, you should immediately contact your account provider for help.