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7 Steps to Prevent Identity Theft

Click the image below for a PDF of 7 Steps to Preventing Identity Theft

 

Protecting your personal identity doesn’t need to be difficult. But it does take a bit of effort to minimize your digital footprint. The following action items are among the first you should take to protect yourself and your family. From there, we can go into greater detail on protecting the smartphones, laptops and Internet accounts that are increasingly being targeted.

Summary of ID Theft Protection Action Items

  1. Opt out of financial junk mail by registering at www.OptOutPreScreen.com.
  2. Shred any paper documents that would go in the trash with a durable and safe confetti document shredder.
  3. Freeze your credit with ExperianEquifax, and TransUnion.
  4. Use Identity Monitoring to track your data.
  5. Lock your identity documents in a bolted-down, fire-resistant document safe.
  6. Protect your computer with security software, a firewall, secure Wi-Fi, encryption and strong passwords.
  7. Track your credit report 3 times per year for FREE at www.AnnualCreditReport.com.
  8. For further tools, purchase a copy of Privacy Means Profit.

Detailed Explanations

  1. Opt Out of Financial Junk Mail

Problem: Your private data is bought and sold by junk-mailers without your knowledge.
Solution: Opt out by calling 1-888-567-8688 or visiting www.OptOutPreScreen.com.

There are complete industries built around collecting, massaging and selling your data – your name, phone number, address, spending patterns, net worth, the age of your children, the magazines you buy, etc. Companies buy bits of your privacy so that they can knowledgeably market products to you that you are likely to purchase.

To minimize the amount of your personal information bought and sold on the data market, begin “opting out”. Opting out is the process of notifying organizations that collect your personal information to stop sharing it with other organizations. “Pre-Approved” credit card offers (i.e., financial junk mail) are a major source of identity theft. Those mailers give thieves an easy way to set up credit card accounts in your name without your consent. They spend money on the card and default on the balance, leaving you with the mess of proving that you didn’t make the purchases. The solution is to opt out of receiving pre-approved credit, home loan and insurance offers.

Pre-approved credit offers (also called pre-screened or pre-qualified credit offers) are possible because credit reporting bureaus (Experian, Equifax and Trans Union – companies that collect and sell financial data on nearly every American) make a great deal of money selling your identity (i.e., name, address, phone number, age, credit score) to credit card, loan and insurance companies. But it is your right to stop the sale of your information. To opt out of pre-approved credit offers with the three main credit reporting bureaus, call 1-888-567-8688 or visit www.OptOutPreScreen.com. There is no cost to you for opting out.

Once you’ve completed this step, begin opting out of ALL information sharing on every account you have (bank, brokerage, mortgage, utilities, phone, etc.) as well as with the Direct Marketing Association.

  1. Shred Your Paper Trash

Problem: We throw away private information every day. This is where dumpster divers begin.
Solution: Buy a high-quality document shredder.

Assume that any document you throw out will end up in the hands of an identity thief. Get in the habit of either chopping or locking documents and disks that contain identity (name, phone number, address, social security number, account numbers, passwords, PIN numbers, phone numbers, client information, children’s’ information, etc.).
When buying a paper shredder, I recommend the following features:

  • Cross-cut confetti shredding
  • 10+ pages of simultaneous feeding capacity
  • Allows shredding of stapled documents, credit cards and CDs

The shredders I like best are made by Fellowes. I like Fellowes because of their SafeSense technology, which turns the shredder off if your fingers (or your kids’ fingers) get too close to the shredding device. This adds a great deal of peace-of-mind to an already effective product. They also have anti-jamming technology that makes them less frustrating than other brands and they don’t seem to break down as frequently. Convenience is key! Make sure you place a confetti shredder next to ALL of the places that you handle identity (where you open your mail, your home office, your desk at work) and shred everything possible. Don’t skimp here – if you don’t make it convenient for yourself and your employees, it won’t get done. If a document has identity of any sort on it, shred it, even if it isn’t your information. Don’t forget to destroy digital files as well, like those that live on a hard disk when you donate your computer. If you can’t shred it, lock it up in a fire-safe (see below).

  1. Freeze Your Credit File

Problem: If a thief gains access to your credit file, they can spend everything you’re worth.
Solution: Freeze your credit with ExperianEquifax, and TransUnion.

Every time you establish new credit (e.g., open up a new credit card, store account or bank account, finance a car or home loan, etc.), an entry is created in your credit file, which is maintained by companies like Experian, Equifax and TransUnion. The trouble is, with your name, address and social security number, an identity thief can pretend to be you and can establish credit (i.e., spend your net worth) in your name.

A credit freeze is simply an agreement you make with the three main credit reporting bureaus (Experian, Equifax and TransUnion) that they won’t allow new accounts (credit card, banking, brokerage, loans, rental agreements, etc.) to be attached to your name/social security number unless you contact the credit bureau, give them a password and allow them to unfreeze or thaw your account for a short period of time. Yes, freezing your credit takes a bit of time (maybe an hour of work), can be a little inconvenient when you want to set up a new account) and it can cost a few dollars (generally about $10 to unfreeze, a small price compared to the recovery costs of identity theft). And it is worth it! It’s like putting locks on your doors.

Don’t let anyone talk you out of freezing your credit. It is the number one thing you can do to prevent credit fraud. To learn more about freezing your credit, visit the three credit bureau credit-freeze sites here: ExperianEquifax, and TransUnion.

  1. Use Surveillance to Monitor Your Online Identity

Problem: Your private information is floating around on the Internet and exposing you to risk.
Solution: Monitor your online identity conveniently with sophisticated identity surveillance.

When my audiences learn that only about 25% of identity theft can be caught by monitoring their credit report, they often ask me to evaluate the more sophisticated identity theft monitoring and protection services in the market place. Not all identity monitoring services are created equal. I recommend an identity surveillance service that monitors the following aspects of your identity:

  • 24/7 monitoring of your credit file (most services provide only this – nothing more)
  • Non-credit loans (pay-day loans, etc)
  • Government records
  • Public records disclosure (court cases, real estate transactions, etc.)
  • Nation-wide criminal databases
  • Cyber-trafficking of your private information over the internet
  • The better services will also offer recovery services and identity theft insurance

I choose a particular identity theft monitoring company because of the quality and volume of monitoring they provide, the convenience of their service, and the safety of their data centers. Here’s how it works. Rather than waste hours monitoring all of the potential sources of identity theft myself, the product does it for me, automatically. Every month, a report shows up in my email inbox letting me know if there are any areas that I should be concerned about. That way, I only have to think about it when necessary. Again, convenience is crucial – if we make it easy to be safe, we will be safe! You should expect to spend approximately $200 per year for a good service (far less than you probably spend to insure your car and home, which are worth far less than your identity).

  1. Lock Up Identity Documents

Problem: Identity documents that are left unlocked in our homes and offices open up profitable opportunities for identity thieves.
Solution: Purchase a fire-resistant document safe to securely store all of your identity documents.

A majority of our most valuable identity documents (passports, birth and death certificates, wills, trusts, deeds, brokerage information, passwords, health records, customer data, employee records, etc.) are exposed to identity theft (and natural disasters, such as fire and floods) as they sit in unlocked filing cabinets, bankers boxes, office drawers or out in the open, on our desks. To complicate matters, the problem of data theft goes beyond paper documents to digital media. More than ever we need to be concerned with the physical protection of hard drives, cell phones, thumb drives, CDs and DVDs with sensitive personal or business data on them.

To store them securely, purchase a fire-resistant safe. Think of it this way. Your identity is probably worth something close to $300,000 (even if your credit is poor), not to mention the value of any business data for which you are responsible (customer records, employee information, intellectual capital). Spending a few hundred dollars to lock up the keys to your identity is simple.
Look for a fire safe that meets these requirements:

  • Able to withstand 1500° F for 30 minutes
  • Lockable by key or combination
  • Able to be secured to the foundation of your home (to prevent safe theft)
  • Preferably waterproof (where there’s fire, there’s water)

I recommend fire-resistant stackable filing cabinets because they are nearly indestructible, inexpensive and protect your data from both fires and theft. They also allow you to expand your storage capacity as you protect more and more of your identity.

One important note: increasingly, thieves are breaking into homes and businesses in order to steal identity documents. By placing them all in a central location (such as a fire safe), you are making it easier for them to steal everything at once. I suggest that you have your fire safe bolted into the foundation of your home or business. This small expense could save you hundreds of thousands of dollars. It’s no more expensive than putting dead-bolt locks on your doors.

  1. Protect Your PC

Problem: The information stored on your computer can be compromised if left unprotected.
Solution: Follow the 7 Steps to a System Lock-down listed below.

In order to protect all of the identity documents stored on our home and work computers, it is important to close all of the potential data leaks. The following suggestions will get you started, but please hire a computer security professionally to help you protect this very valuable asset in the fight against identity theft.

  1. Create strong, alphanumeric passwords. Read your copy of Privacy Means Profit for further details.
  2. Employ a highly-rated security software suite on every computer you own. It should include: anti-virus and anti-spyware scanners; password protection, phishing and pharming filters and a firewall.
  3. Configure your Windows systems for automatic security updates. Apple computers do this by default.
  4. Utilize encryption software (for professional-level protection). Encryption is more complicated than I can explain in a bullet-point, so please read for details in Privacy Means Profit.
  5. Physically lock-down your computers (especially if you use a laptop or hand-held). Desktop computers and workstations should be locked in your office, both at work and at home. More private data disappears because of stolen laptops, tablets and mobile phones than any other source.
  6. Secure your wireless network. Make sure that the connection is not open to anyone with a wireless device and that you use WPA2 encryption or better, NOT WEP. For additional security, enable SSID Masking, MAC-specific addressing and VPN tunneling (see PMP for more details).
  7. Secure your Mobile Data Devices (iPhones, Androids, BlackBerrys, Thumb Drives, Laptop Computers) using all of the tools above. Just because they are small doesn’t mean that the data on them isn’t worth a mint.
  1. Monitor your credit report three times per year.

Problem: Scammers can be using your credit and you don’t even know it.
Solution: Monitor your credit report for free, 3 times per year at AnnualCreditReport.com.

A credit report records a history of how you repay money you borrow from others. When an identity thief or credit fraudster uses your Social Security number to set up new credit accounts, you will never know it… unless you actively monitor your credit bureau accounts. By law, you are entitled to a free report every year from each of the three credit reporting agencies, Equifax, Experian and TransUnion. Details on how to read your report and detect and rectify fraud can be found in Privacy Means Profit.

Naturally, these steps will get you started down the road to protecting yourself from identity theft and cyber fraud. But there are many more suggestions than the ones above to continue protecting your identity. For a detailed plan of action, consult your copy of Privacy Means Profit or visit my blog at www.Sileo.com. To bring me in to speak to your group about identity theft, cyber security, online privacy or social engineering, contact me directly on 303.777.3221.

 

10th Day: Beware the Phony Santa Claus Comin’ to Town

Holiday Security Tips: On the tenth day of Christmas, the experts gave to me, 10 trusted charities

Because you tend to be more giving throughout the holidays, scammers target you during this time of year. Whether they are asking for a donation to a charity, promising free iPads, claiming to be a friend in need, or are asking you to click on something outrageous or out of character, don’t fall for it.

Solution: Keep your eyes open for these common holiday scams

  • Phishing. Thieves, or hackers as they are more commonly known, will send emails that look like they are legitimately sent from a charitable organization when in real-life these are fake web sites that are designed to steal credit card information, donations and your identity. To donate, call or visit the website of a reputable charitable organization.
  • Click Jacking. Click Jacking is a type of social spam. After taking over a friend’s Facebook account, the spammer posts a message on your friend’s Facebook or Twitter page offering free gifts or recommending you donate. Since it looks like a friend has endorsed the post, it’s much easier to fall for the scam. If it’s not believable or out of character, don’t click, as it’s likely to install Malware on your system.
  • Charity or Friends-in-Distress Scams. Never send money (via check, cash or electronically) based solely on a wall post, email or phone call. Only donate to known charities and only when you have initiated the gift. Respond to wall posts, emails or phone calls for charity by contacting the charity on a reputable phone number or website.

The song tells you that you’d better not pout and better not cry; you won’t have to do either if you just watch out! On the eleventh day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

12th Day: Holiday Security Tips All Wrapped up Together

Would you like to give the people you care about some peace on earth during this holiday season? Take a few minutes to pass on our 12 privacy tips that will help them protect their identities, social media, shopping and celebrating over the coming weeks. The more people that take the steps we’ve outlined in the 12 Days of Christmas, the safer we all become, collectively.

Have a wonderful holiday season, regardless of which tradition you celebrate. Now sing (and click) along with us one more time.  

On the 12th Day of Christmas, the experts gave to me:

12 Happy Holidays,

11 Private Emails,

10 Trusted Charities

9 Protected Packages

8 Scam Detectors

7 Fraud Alerts

6 Safe Celebrations

Fiiiiiiiiiiive Facebook Fixes

4 Pay Solutions

3 Stymied Hackers

2 Shopping Tips

And the Keys to Protect My Privacy

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

11th Day: Is that Holiday Email Really a Lump of Coal?

Holiday Security Tips: On the eleventh day of Christmas, the experts gave to me, 11 private emails

During the holidays, we tend to spend more time online, searching for the perfect gift, swapping emails with friends, viewing festive holiday pictures, jokes and so on.  Cybercriminals know this and guess what?  They’re online more, too—looking for ways to lure you into scams to ruin your holidays and steal valuable information.   Here are just a few email scams to watch for:

Holiday e-card scams: Each year, more and more people are going the environmentally friendly and cost-effective route by sending holiday e-cards.  Cybercriminals, looking to install malicious software on your computer, may join in the fun and send you an e-card with an attachment to open.

Solution:  Resist your curiosity to see that adorable elf dance; only open attachments from trusted friends and family. If you don’t recognize the sender, don’t open the e-card.

Holiday-related search term scams: We all like to be a bit more festive at the holidays, so we look for winter wonderland screensavers or our favorite carol for a ringtone.  However, these items may be disguised malware or spyware and you won’t feel so festive after it compromises and exposes the data on your computer.

Solution:  Make sure that you have protected your computer with automatically updated anti-virus software and operating system updates. As a rule of thumb, if you aren’t paying cash for a download, you might be paying by giving away your free information.

Fake invoice scams: Cybercriminals know that we tend to do a lot of holiday shopping online or through catalogs.  To try to trick you into giving credit card details or other valuable information, the criminals will send fake notices, either about delivery status or phony invoices that appear to be from legitimate companies (UPS, FedEx, USPS).  They might say they need to credit your account or you need to fill out a form in order to receive the package.  When you comply, your information and/or your computer may be compromised.

Solution:  Log onto the website of the company supposedly contacting you to track your packages or get a phone number to call and check on the action requested.

If you must peek inside a package, choose the shiny one underneath your Christmas tree.  Just don’t open those scary email links! On the twelfth day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

9th Day: I’m getting Nuttin’ (But Scams) for Christmas

Holiday Security Tips: On the ninth day of Christmas, the experts gave to me, 9 protected packages

Thieves are on the lookout for the delivery of packages, especially around the holidays.  FedEx and UPS packages might sit outside for hours, often in plain view from the street, making a mighty tempting target.  Not only can thieves grab the precious contents inside, but also the shipping labels often contain personal information the thieves love to get their hands on.

 Solution: Ship packages to your work address, or a PO Box or require a signature

If your employer doesn’t mind your receiving packages at work, have them shipped there since someone is generally available during the day (when shipments arrive).  If that doesn’t work, consider getting a PO Box at the post office during the holidays.  When all else fails, ask to have your packages shipped with signature required so that they aren’t dropped off unless someone is there to sign.

Even if you didn’t put a tack on your teacher’s chair or tie a knot in Susie’s hair, you might get nuttin’ for Christmas if you don’t outsmart the thieves.  On the tenth day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

8th Day: What to Give the Person Who has Everything (and Wants to Keep it!)

,

Holiday Security Tips: On the eighth day of Christmas, the experts gave to me, 8 scam detectors

Most of us are too busy to monitor every form of identity that is at risk. Unfortunately, victims usually get hit when they take their eye off the ball.

 Solution: Purchase a comprehensive identity monitoring service

While a partridge in a pear tree may have been appreciated in 18th century England, it’s not a very coveted item these days!  Instead, help out the ones you love (and yourself!) by giving the gift of identity theft monitoring.

Traditional credit monitoring (which you can do for free at AnnualCreditReport.com) only detects a portion of identity theft. The remaining theft occurs as a by-product of non-credit loan activities (pay-day loans, etc), shared public records (court cases, real estate transactions, government filings, etc.), Internet trading sites (bought and sold on rogue websites), or in relation to medical or criminal records. It is important to monitor these forms of potential identity theft as well as your credit file. The key here is convenience; if you don’t have to do much to monitor a large portion of your identity, the work goes down while peace of mind increases. Make sure that your monitoring service has at least the following features:

  • 3-in-1 Credit Monitoring from each of the bureaus (Experian, Equifax, TransUnion)
  • Court & Public Record Monitoring
  • Non-credit loan monitoring like pay-day loans
  • Internet Surveillance for the buying and selling of your data
  • Sex Offender Reports to make sure crimes aren’t being committed in your name
  • Identity theft insurance to cover costs if you are affected
  • Identity theft restoration services to save you time

Forget the fruitcake; buy them something they’ll truly appreciate and remember long after the holidays! On the ninth day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

6th Day: Don’t Let the Grinch Steal Your Party!

Holiday Security Tips: On the sixth day of Christmas, the experts gave to me, 6 safe celebrations

Isn’t it unfortunate that holiday parties, at home or at work, are a major source of data theft? Crafty thieves are searching for smartphones, iPads, financial documents, checkbooks, credit and debit cards, laptops, client lists, thumb drives, files, mail, purses, wallets and all other sources of identity. The data on digital devices is a veritable goldmine equal to making off with the Roast Beast.

Solution:  During parties, lock identity behind closed doors (and away from acquaintances)

Ignore the voice of denial (it sounds like Boris Karloff) insisting that your friends, family, co-workers, vendors, customers and colleagues wouldn’t possibly steal from you. Cindy Lou Who didn’t suspect the kindly “Santie Claus” either! I hear hundreds of stories every year after my speaking engagements with the same sad ending: the victim knows the thief! Don’t assume the worst about your guests; just don’t assume anything and protect yourself preventatively.

Just before a holiday gathering, centralize all sources of identity into one locked location (like an office or bedroom with a locking door).When a potential thief disappears upstairs, you don’t have to worry about it. When the high-traffic season is over, return your house to normal (unless you regularly use a cleaning service or allow outsiders into your home).

Remember that Christmas “doesn’t come from a store. Maybe Christmas, perhaps… means a little bit more!”  Eliminating the risk up front will help you enjoy your friends, family, and coworkers at all of those holiday parties! On the seventh day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

5th Day: Don’t Tell Facebook You Won’t Be Home for the Holidays

Holiday Security Tips: On the fifth day of Christmas, the experts gave to me, 5 Facebook fixes

In general, we share too much information on social media sites. During the holidays, we are positively intoxicated with the giving spirit! Without thinking, we share our holiday travel plans, click on seemingly charitable links or post pictures of a fun night out. And when you share with friends on Facebook, you are sharing with their friends and ultimately, most of the literate world. The problem is, some of those people aren’t really friends and only want to separate you from your holiday dollars.

Solution:  Apply these five fixes to ALL of your social sharing (not just Facebook)

  1. Customize your privacy settings. Sixty percent of social network users are unaware that their default privacy settings let others into most of their personal information. Facebook does a decent job of explaining how to lock your privacy down(https://www.facebook.com/help/privacy) but you must spend at least 90 minutes going over the settings to properly protect yourself.
  2. Protect your passwords. Don’t let the bad guys take over your account and contact your friends as if they were you. Create a unique, strong, alpha-numeric-symbol password without using a dictionary word, birthdate, pet’s name or other personal identifier. Use this password only for a single site and don’t share it with anyone. Be careful of using your Facebook login for other sites, as those sites gain access to your private information.
  3. Log into Facebook only ONCE each session. If it looks like Facebook is asking you to log in a second time, skip the links and directly type www.facebook.com into your browser address bar. Phishing emails and social media posts will often send you to sites that look like Facebook but act like a data criminal. When in doubt, log out.
  4. Beware of free offers, big discounts and requests for charity (even if they come from your friends). If the offer in the post is too enticing, too good to be true or too bad to be real, don’t click. Chances are pretty good that your friend’s account has been hijacked and the hacker is serving you a warm dish of malware. If the post is out of character for that friend, email them and ask if it’s real.
  5. Don’t check in when you aren’t home and don’t post your travel plans. Based on social media feeds and locational check-in services alone (Foursquare), it is simple to map your whereabouts and signal thieves when you aren’t home. If you have to let friends know where you are during the holidays, send a group text or email.

No matter if you’re headin’ home for the holidays or off to Whoville, remember to post your pictures and tell those tales AFTER you’re safely home. On the sixth day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.

4th Day: Holiday Shopping Quiz – Is Credit or Debit Smarter?

Holiday Security Tips: On the fourth day of Christmas, the experts gave to me, 4 pay solutions!

True or False?

When you use a debit card, funds are more secure because they are drawn directly from your bank.

False.  While it’s true that funds are drawn directly from your bank, it actually makes it harder to get the money reimbursed while the issue is being resolved if fraud does occur.

 You can receive a reimbursement for debit card fraud up to a year later.

False.  Debit cards generally only reimburse fraudulent purchases if you catch them within 60 days.

 It is safer to use a credit card than a debit card.

True.  When you use a credit card, nothing is withdrawn from your bank account immediately. Pending transactions can take several days to clear. In addition, credit cards uniformly give you more protection than debit cards and your maximum liability is capped at $50.

All checks are created equal.

False.  If you have to pay by check, make sure you use high security checks. Security checks should include visible fibers, true watermarking, full-feature hologram (like on credit cards) and protection against multiple chemical alteration agents (not just fingernail polish remover).  This makes it much harder for identity thieves to “wash” your checks with acetone and put their own names in the “pay to” field. Also, sign your checks with a gel-based pen that cannot be easily dissolved.

If you failed this quiz, don’t worry, as long as you remember the answers when you’re shopping!  Wishing you straight A’s this holiday season! On the fifth day of Christmas…

To review our tips from previous days, click here.

John Sileo is an an award-winning author and keynote speaker on identity theft, internet privacy, fraud training & technology defense. John specializes in making security entertaining, so that it works. John is CEO of The Sileo Group, whose clients include the Pentagon, Visa, Homeland Security & Pfizer. John’s body of work includes appearances on 60 Minutes, Rachael Ray, Anderson Cooper & Fox Business. Contact him directly on 800.258.8076.