Hacking is becoming more and more prevalent in our internet-based world. About 432 million online accounts belonging to 110 million Americans, roughly half of all adults, were hacked in cyber attacks during the past year, according to new findings by the Ponemon Institute, a data-collection research firm.
The risks are so widespread that two-thirds of 3,110 respondents to a Consumer Reports survey said they do nothing to protect themselves, the apathetic result of what experts call data-breach fatigue, from the seemingly nonstop parade of high-profile hacking of customer records at Target, Neiman Marcus, Adobe and others.
This is a bad move. “The most effective defense against an international onslaught of shadowy hackers is a well-informed and vigilant individual,” notes Consumer Reports.
5 things you should do today to protect yourself from hackers:
1.Don’t share anything you don’t have to.
That includes your Social Security number at the doctor’s office or on medical forms (if needed, your insurer can provide it); where you live, work, shop or vacation on social media; or any personal or financial information in phone calls or emails you do not initiate.
2.Monitor your financial life.
Don’t rely solely on monthly statements from your bank or credit card companies; check account activity online or by phone at least once a week for quick indicators of fraud. Also, remember to access your free credit reports every four months at AnnualCreditReport.com.
3.Protect your technology.
In addition to using strong and different passwords
on different accounts and on all
electronic devices, change them frequently (take note, smartphone users
). Take the extra step and check for updates on security software, just in case not all are automatic.
4.Be a smart shopper.
Use a credit card over a debit card
when shopping online, traveling, at the gas station and most everywhere else. Never shop (or do any financial transaction, including checking banking or credit card accounts) on public Wi-Fi networks
. And when online shopping (ideally from a secure home account), always try to type website addresses yourself; relying on links in emails, advertisements or online searches can take you to a scammer-run site or download malware to your computer. When using your smartphone to shop, use retailers’ dedicated apps, rather than your phone’s browser.
Those “Dear Customer” emails from retailers with which you do business? They’re likely bogus (they have your name, but do they have your email?), so don’t click on their links. Even with a personalized email, hover your computer mouse over the link before clicking it, you should see a full website address. If it’s not what appears in an email-offered link, assume you’re being directed to a scammer-run website or about to download malware.
Don’t trust emails, text messages or phone calls that ask you to confirm recent transactions (legitimate retail sites will send an order confirmation, usually with instructions on how to track the delivery of your purchase, but they will not
ask for confirmation). Also beware of “warnings” from your bank
asking you to confirm your account; look up the phone number yourself if you’re worried.
Take care to remember: the best defense against hackers is you!