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eSecurity
 

Protecting your Identity...
...safety precautions to protect your identity

General Safety Precautions

  • Have your mail stopped if you will be gone for more than a few days.
  • Request electronic versions of bills, statements, and checks instead of paper.
  • Never disclose personal information by phone unless you initiated the call and our confident in who you are speaking with.
  • Memorize your numbers and/or passwords. Do not write your Social Security number or passwords on paper and store them in your wallet or purse.
  • BEWARE of mail, phone and internet scams.
  • Dispose of documents with personal information by shredding.
  • Don't carry your drivers license and Social Security Cards together.
  • Monitor your credit report by requesting your free annual report from annualcreditreport.com.
  • Monitor your on-line accounts  for unauthorized transactions.
  • Be aware of your surroundings when using an ATM/Debit card.
  • Limit the personal information that you carry in your wallet or purse.
  • Prior to discarding a computer, make sure all personal information is deleted from its hard drive.

Online Safety Precautions

  • Do not disclose bank account numbers, credit card account numbers, and other personal financial data on any Web site or online service location, unless you are at a secure site. The url of the site should begin with HTTPS:// not HTTP:// if the site is secure.
  • Never send personal information via email it is an unsecured transmission method susceptible to intercept.
  • Shop only at Internet merchants you know and trust and have a privacy policy you have read; if in doubt, check with the Better Business Bureau
  • Ensure your computer has the latest anti-virus software installed before going online.
  • Don't wait for paper statements. Check your credit card and bank statements for suspicious activity by visiting your Internet Bank account regularly.
  • Always print and save the confirmation page when completing an online purchase.
  • Pay attention to web sites you are redirected to from clicking on links from web pages or Email. You should verify you are at the correct site by examining the url in the address bar of your Internet browser.

Actions for Compromised Accounts

  • React quickly
  • Change your online account passwords.
  • Notify financial institutions of affected accounts.
  • File a police report
  • Contact a credit bureau

    Equifax
    https://www.equifax.com
    800-525-6285 (Fraud Hotline)
    800-685-1111 (Report Order)
    P.O. Box 740250
    Atlanta, GA 30374

    Experian
    www.experian.com
    888-397-3742 (Fraud Hotline)
    888-397-3742 (Report Order)
    P.O. Box 9556
    Allen, TX 75013

    TransUnion
    www.transunion.com
    800-680-7289 (Fraud Hotline)
    800-916-8800 (Report Order)
    P.O. Box 6790
    Fullerton, CA 92634

 

Terms Associated with Fraud

Spoofing - In the context of online security, a spoofing attack is a situation in which one person or program successfully masquerades as another by falsifying data and thereby gaining personal information.

Phishingis a criminal activity where Phishers attempt to fraudulently acquire sensitive information, such as usernames, pins, passwords and ATM/Credit Card details, by masquerading as a trustworthy entity in an electronic communication.  Phishing is typically carried out by email or instant messaging.

Vishing - is a criminal activity where vishers attempt to fraudulently acquire sensitive information, such as usernames, pins, passwords and ATM/Credit Card details, by masquerading as a trustworthy entity in a phone communication. 

Pharming - (pronounced farming) is a cracker's attack aiming to redirect a website's traffic to another, bogus website. The cracker's intent is to get you to enter personal information on the bogus site which is then used to gain access to your accounts or identity.

Spamming - Unsolicited emails delivered to you.

     
     

     

     
 
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