A resolution you can keep all year: The one-day identity checkup
1/3/2014, 6 a.m.
BPT Exercise. Lose the weight. Answer every incoming email. Those are the hard kinds of New Year's resolutions, because you have to think about them every day for the rest of the year. Many are forgotten long before Valentine's Day.
But here's one important resolution, one you can fulfill today and easily keep all year: protect your identity.
Identity theft is a fast-growing crime, but there are ways to reduce your chances of being a victim. The identity theft protection experts at LifeLock recommend doing these five quick things today to help keep your identity safer all year long:
Use safe passwords
Are you among the people who use simple passwords like "123456" or "qwerty" or "abc123" to protect your personal information? Or even the word "password" itself? Many people do, so identity thieves can often break in just by trying the most popular passwords.
To create a safer password, avoid using words that are in the dictionary. And stay away from your own personal information, like a nickname, pet's name or birthdate. One option is to come up with a memorable phrase that includes numbers and symbols, and use the first letter of each word. "My Tigers are Number One in Football!" might become "MTaN1iF!" - a good example because it uses capital letters, lower-case letters, a number and a symbol.
Use multiple passwords
Stop using the same password for every account. Several big companies and websites have recently had their users' personal information stolen by hackers. If your password for one site is compromised, and you use the same password for your bank and credit accounts, it's much easier for a thief to get into all of them.
At least have a different password for each account that has personal or financial information. And consider using a password-management program, which lets you set more cryptic passwords for each site you visit and control them with one master password.
Stash that Social Security card
Do you carry your Social Security card in your purse or wallet? Don't.
You may, on a rare occasion, need to show a Social Security card to an employer or a government agency. Aside from those days, keep it locked up in a safe place. Your Social Security number is a thief's ticket to everything from opening new accounts in your name to stealing your tax refund. Don't run the risk of losing it.
Protect your mail
Do your bank statements, credit card bills and utility invoices arrive by mail? If your mailbox is outside your house, thieves can take those bills and collect personal information that helps them steal your identity. And once those documents are in your house and no longer needed, they can be stolen from a trash can or recycling bin.
First, if your mail is delivered outside your home, install a locked mailbox. And use a shredder, or the shredding services offered by local shipping stores and some credit unions, to destroy documents once they're no longer needed.