Debt Consolidation Credit Counseling In Phoenix

Life is much easier for many of us these days because of the internet. You can access unlimited information, communicate with people anywhere in the world, and send and receive important documents. However, all these benefits come with some potential problems. All this flow of information makes it much easier for criminals to get their hands on your personal information.

Most people store a lot of personal information on their home computer, laptop or PDA. Private information related to bank accounts and credit cards, as well as the associated passwords, are often stored on these devices. It isn't hard to imagine the harm that can be done to your credit standing if an identity thief steals these electronic goldmines. Hacking your computer long distance is another means of accessing your private details.

To keep yourself safe from this devastating crime, implement the following tips for identity theft protection immediately.

1) Set up your computer so that it requires a password in order to access any files. Do this for your PDA and laptop also.

2) Change your computer settings so it doesn't automatically remember your passwords. A lot of people have chosen the convenience of having their computer remember their passwords and enter them automatically. But it also makes it awfully easy for an identity thief to log in to your accounts.

3) Change your passwords frequently.

4) Use antivirus software, and make sure it's always running. These programs can keep hackers from infiltrating your system and stealing your information.

5) File sharing is another danger area. Your system is more open to being hacked if you have a wireless network that shares information between more than one computer.

6) Phishing is among the fastest growing methods of illegally collecting confidential information. Typically, you will receive an email that appears to be sent by a legitimate organization. When you follow the link, you'll be requested to enter your password. This information is then captured and used to take over your identity.

In response to the increased problem of identity theft, many institutions now offer identity theft insurance. If your personal information is stolen or compromised, this type of insurance will pay for your costs in rectifying the situation. This can include legal fees, phone bills, and postage. You can also be reimbursed for lost wages if you missed work while trying to resolve the situation. If you don't think you could deal with these kinds of costs on your own, your best bet is to take out some coverage.