![]() Point is, if you don’t have anything nice to write, don’t. We have all been told “If you don’t have anything nice to say….” That old adage most definitely applies to the Internet, with the emphasis shifting to written speech instead of spoken words. Just as you might think twice about giving some clerk at the mall your home address and phone number, keep in mind that simply because a site asks for or demands personal information from you does not mean you have to comply. Don’t give out personally identifiable information too easily. Learn how to control your cookie intake by adjusting your security-related Internet settings. Consider taking advantage of free anti-malware and/or anti-virus programs from Microsoft, Malwarebytes, AVG, et al. Use Cautionīe proactive when browsing the net as some pages (porn, music, file-sharing sites, etc.) are more apt than others to have spyware, malware and/or hackers lurking about, and there is no way to know when or where you are at risk. Companies including and offer free password generators and online password vaults that are very effective in protecting you and your personal information from the point of login. Stop using the same weak password – 12345, your middle name or a child’s birthday. However, it is always recommended to use an electronic option such as PayPal, Apple Pay or Amazon Payments. Use a designated email account for ecommerce, and most importantly, if you insist on using plastic, use a dedicated credit card. If you are going to buy online, and most of us do, the smartest thing to do is consolidate your cyber tools. Isolate Email and Electronic Payment Methods It is the only official site you should use to obtain a free copy of your credit report from Experian, TransUnion, Equifax or all three.Ģ. is the only page to visit for your free annual credit report.Ī was set up to comply with the Fair and Accurate Credit Transactions Act (FACT Act), legislation that requires the credit bureaus to provide consumers with a copy of their credit report once per year. ![]() Don’t be fooled by companies including whose main interest is to sign you up for an expensive monthly “monitoring” service. At a minimum, make sure your connection is secure ( encrypted) by looking for HTTPS:// as opposed to HTTP:// at the beginning of your intended Web address. Close any and all social media services that you don’t use, and think twice before sharing your personal information with anyone on any platform. Get a copy of your credit report* and use this as your foundation to correct any misinformation regarding past delinquencies and already closed accounts.
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