Young People Are the Most Vulnerable to Identity Theft

Identity theft affects people of all generations, exploiting typical weaknesses of any age. Identity theft happens when your personal information gets stolen. Such information includes your Social Security number, address, full name, and password. Thieves then use this information to commit crimes, such as stealing from your bank accounts, opening new credit accounts, claiming tax refunds, or collecting unemployment.

Some people believe that identity theft is more of a problem for older Americans. Nevertheless, more millennials and Gen-Zers claim they have suffered from identity theft more than baby boomers. These claims prove the importance of having reliable cyber security for all demographics.

These generations have become more vulnerable to identity theft because they are online. Also, younger people see identity theft as unlikely and prove less cautious online. As such, they often choose to put off mandatory IT updates.

Cybercriminals often tailor their schemes to best fool their targeted demographic. For example, when targeting the younger generation, they may take advantage of the generation’s lack of caution. In such cases, they may target passwords that the younger people have not updated or the absence of two-factor authorizations. As for the older generations, scammers may take advantage of a person’s loneliness or lack of technical ability.

People should keep an eye out for a few types of identity theft: bank, credit card, and lease or loan fraud. Unfortunately, those in their thirties often prove more likely to fall victim to such cases. The older they get, however, the less likely they fall for such theft. Regardless, people of all ages can become victims of identity theft. As such, it is crucial to take steps to protect yourself. Here are some steps you can take to avoid identity theft.

  • Avoid logging into personal accounts when using public WiFi. If you are at a café or any other location with unencrypted WiFi, do not sign into any of your accounts. If you do, other people using the WiFi could see whatever you send over the network.
  • Use a Password manager. Using a password manager makes you more likely to create strong passwords because you won’t have to worry about remembering them.
  • Set-Up Two-Factor Authentication. Requiring someone to take more than one step to get into your accounts can make it more difficult for hackers to access them.
  • Don’t give out sensitive information in calls or emails you receive. Never give your information to anyone through incoming calls or emails, even if they claim to work for the organization you have an account through. Instead, call the organization through the number on your credit card or account statement. You should not use the number provided by the email or person over the phone.

These are just a few ways to reduce your chances of becoming a victim of identity theft. If you become a victim of identity theft, check your credit report for any unauthorized accounts opened in your name. Also, contact the police and your financial institutions. Finally, consider running a self-background check. Checking your background may reveal whether the thieves used your identity for criminal purposes.

You can stay one step ahead of hackers and identity thieves by running a quick self background check Click Here to get started.

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