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Is your Social Security number at risk? Signs someone might be stealing it

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Is your Social Security number at risk? Signs someone might be stealing it

With most of your life attached to these nine numbers, your Social Security number (SSN) is incredibly important to keep safe. That’s why it is crucial to pay attention to signs that your SSN may have been compromised. While preventing the misuse of your SSN is paramount, there are action steps you can take if it does fall into the wrong hands.

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There are steps you can take if your Social Security number falls into the wrong hands. (Kurt “CyberGuy” Knutsson)

Top signs someone might be using your Social Security number

Are you concerned that your Social Security number may have gotten into the wrong hands? Check below to see if you are experiencing any of these signs:

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1) Changes to your credit report and score

Americans are granted free credit reports every 12 months from the three major consumer reporting companies. Regularly culling through these reports can help you spot potential fraud, which might signal that your Social Security number has been compromised. Any hard inquiries you didn’t request on your credit report are a strong indicator that someone tried to open a credit card or another line of credit with your SSN.

2) Changes to your Social Security statement

While most people know they should check their credit report and scores, you can see your Social Security statement by creating an account on the official Social Security Administration website. Because only one account can be created per SSN, it is safer if you claim it so that no one else can by piecing together your personal information (along with your SSN) to claim it fraudulently. Make sure it is connected to a secure email account that you check frequently. This account also provides up-to-date data on earnings and benefit distributions so you can see if anything is “off.”

Is your Social Security number at risk? Signs someone might be stealing it

You can see your Social Security statement by creating an account on the official Social Security Administration website. (Kurt “CyberGuy” Knutsson)

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3) Strange or new mailings or calls from debt collectors and junk mailers

While it might seem natural to toss a pile of “junk” mailers or ignore calls from random debt collectors or advertisers, it may be an indicator that someone has gotten a hold of your Social Security number and has begun opening accounts under your number. It’s important to make note of the patterns and follow up with these collectors should it become more and more apparent that your SSN might have been misused. Oftentimes, consumers start getting more credit offers when new credit cards are opened. Additionally, if you start receiving bills under someone else’s name at your address, it might be time to follow up with these notices.

4) New notices from the IRS or other governmental agencies

If you start receiving notices about your Social Security number being used to file someone else’s taxes or inappropriately use your health insurance, it is definitely a sign that someone may have compromised your SSN. While receiving a notice from the IRS or Medicare can feel scary, it is imperative that you reach out to the corresponding agency to notify them of the fraudulent activity so that you can stop further damage.

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Is your Social Security number at risk? Signs someone might be stealing it

Beware of new notices from the IRS or other governmental agencies. (Kurt “CyberGuy” Knutsson)

Top ways to keep your Social Security number safe

1) Sign up for a Social Security account

Go to the official Social Security Administration website to create an account, if you haven’t already.

2) Hide/keep safe your Social Security number card

Put your Social Security number card in a very safe place, such as a safe, bank safe or a filing cabinet that can be locked. Because it is used so frequently, those nine digits are worth memorizing. If your wallet is lost or stolen, and you keep your SSN card in there, it will be messier than losing just money or your ID. Don’t carry your Social Security card in your wallet or purse.

3) Go online

Skip jotting down your Social Security number on in-person forms. When your SSN is jotted down on paper, it is hard to control how the information gets used or disposed of. If you can submit forms online, you can skip the risk of having your SSN getting into the wrong hands. If you mail in forms that denote your SSN, you risk having that piece of mail stolen or lost.

4) Opt out of inputting SSN

Even though your SSN is requested on some forms, it is not always necessary. If a future employer is requesting your SSN, double-check why they need it. They would most likely need it to run a background check, which you should know about anyway. Additionally, some establishments allow you to provide the last four digits of your SSN until you are finalizing a screening process, etc.

5) Combat child identity theft

Open accounts for your children’s Social Security numbers because you want to claim them for them early and be able to monitor any movement related to their SSN.

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6) Secure documents

Some records that contain your Social Security number are important to keep on hand, such as income tax filings. If they are kept digitally, encrypt and or password-protect the document or folder, especially if it is uploaded to the cloud. Keep offline documents with SSNs in a safe or shred instead of throwing them away.

Remember you (usually) only get one SSN in a lifetime, it is important to safeguard that data with your “life.”

7) Remove your personal information from the internet

Removing your personal information from the internet, given the increasing privacy concerns about artificial intelligence, is essential. Data removal services can help protect your Social Security number by systematically erasing your details from websites, thus reducing the risk of identity theft. 

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services here.

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8) IRS identity protection PIN (IP PIN)

To further protect your tax returns from identity theft, the IRS offers an identity protection PIN (IP PIN). This is a six-digit number that prevents someone else from filing a tax return using your Social Security number or individual taxpayer identification number. The IP PIN is known only to you and the IRS, adding an extra layer of security to your tax filings.

How to get an IP PIN

  • Online request: The fastest way to receive an IP PIN is to request one through your online account on the IRS website. If you don’t already have an account, you must register to validate your identity.
  • Alternative methods: If you can’t establish an online account, there are other methods, but they take longer. You can file an application or request in-person authentication.

Using your IP PIN

  • Enter the six-digit IP PIN when prompted by your tax software or provide it to your trusted tax professional when filing your return.
  • An IP PIN must be used on all federal tax returns during the year, including prior year returns.
  • Do not reveal your IP PIN to anyone except your tax professional when you are ready to sign and submit your return.

Important information

  • An IP PIN is valid for one calendar year, and a new one is generated each year.
  • If you lose your IP PIN, you can retrieve it online or have it reissued by calling the IRS.

By using an IP PIN, you can significantly reduce the risk of tax-related identity theft and ensure that your tax returns are processed smoothly and securely.

9) Recognizing and reporting a Social Security scam

If there is a problem with a person’s SSN or record, Social Security will typically mail a letter. You can learn more about recognizing Social Security-related scams, including how to report a scam quickly and easily online to Social Security’s Office of the Inspector General, by reading more at www.ssa.gov/scams.

Is your Social Security number at risk? Signs someone might be stealing it

Image of a lock on Social Security cards (Kurt “CyberGuy” Knutsson)

What to do if you think your Social Security number has been compromised?

If you noticed any of the signs listed above that indicate that your Social Security number may have been compromised, below are action steps you can take:

1) Reach out to the Social Security Administration immediately: Call them at 1-800-772-1213 to put an electronic block on your SSN.

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2) Contact the three main credit bureaus to freeze your credit: This will prevent anyone, including hackers, from wreaking havoc on your credit. Make sure to report any errors on your credit reports with the credit agencies as well.

3) File a report with the local authorities as well as the Federal Trade Commission.

4) Submit a Social Security fraud report online or call the SSA’s Office of the Inspector General at 1-800-269-0271. They can help investigate any Social Security-related fraud.

5) Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, phone number and email address and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals. 

One of the best parts of using some services is that they might include identity theft insurance of up to $1 million to cover losses and legal fees and a white-glove fraud resolution team where a U.S.-based case manager helps you recover any lossesSee my tips and best picks on how to protect yourself from identity theft.

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Kurt’s key takeaways

Because your Social Security number has such a significant impact on your life, it is important to pay attention to any signs that it has been compromised and misused. While it may feel overwhelming to see any of these signs that your SSN might be compromised, it’s important to know there are steps you can take to protect yourself moving forward. While paying regularly for fraud protection services may seem like an unnecessary expense when you’re not presently dealing with identity or credit issues, a fraud protection service subscription can help you focus on your present moment instead of worrying about what a criminal might do with your SSN. And if something does happen, you have people in your corner to help you through the process.

What additional steps do you think government agencies should take to enhance the security of Social Security numbers? Let us know by writing us at Cyberguy.com/Contact.

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

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Copyright 2024 CyberGuy.com. All rights reserved.

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Threads starts testing scheduled posts

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Threads starts testing scheduled posts

Threads is about to begin testing the ability to schedule posts, according to Instagram’s Adam Mosseri. “Replies cannot be scheduled,” he added, explaining that “we want to balance giving people more control to plan their Threads posts while still encouraging real-time conversation.”

Mosseri also makes sure to note that Instagram has been working on this feature “for months.” I’m choosing to take as a sign that the Instagram chief is fed up with the notion that Bluesky is the motivating factor behind every new improvement that comes to Threads. Last week, Threads introduced curated collections of people to follow, which drew comparisons to Bluesky’s starter packs.

Yesterday, Meta CEO Mark Zuckerberg announced that Threads now has over 100 million daily active users, marking the first time that the company has revealed a DAU figure for its Twitter / X competitor. Threads also has more than 300 million monthly active users. No matter how Meta is calculating those figures, Bluesky objectively remains far smaller.

Instagram has long offered the option to schedule feed posts, and this week it announced the same convenience is being extended to DMs.

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Steps to protect yourself while shopping on your phone this holiday season

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Steps to protect yourself while shopping on your phone this holiday season

The holiday season is the best time of the year. Many of us spend quality time with our families, enjoy delicious food and even go on vacations. For many, it’s also a time to indulge in shopping. And why not? This is when you find the best deals on your favorite products, whether it’s a new electronic gadget or a household essential.

However, the holiday season also comes with an increased risk of mobile fraud while shopping online. Scammers often target online shoppers in more ways than you might imagine. Fortunately, with some awareness and precautions, you can protect yourself. Below, I’ll discuss the rise in mobile shopping scams and how you can stay safe.

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A woman shopping on her smartphone (Kurt “CyberGuy” Knutsson)

The rise in mobile fraud

According to Appdome’s latest U.S. Consumer Survey, 60.6% of Americans say fraud is their biggest concern. More than 40% of global consumers reported that they or someone close to them had been directly affected by mobile fraud, malware or a cyberattack. With mobile apps now being the main way people interact with brands, skepticism among users is growing. In fact, 24% of consumers believe developers don’t care about app security, a massive jump of 258% since 2021. 

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Social engineering has become a major worry, as people are becoming more aware of the many ways mobile fraud can happen. This includes things like location spoofing, scams that manipulate users and account takeovers. Almost half of the survey respondents this year said they or someone they know personally had dealt with fraud, scams or similar issues.

Such scams also affect your online shopping experience. I spoke with Tom Tovar, CEO of Appdome, regarding what consumers need to know when they are shopping on their mobile devices this holiday season. 

“Consumers should be aware of phishing, smishing and vishing scams, which exploit fake emails, deceptive SMS messages and fraudulent phone calls to steal sensitive information. More sophisticated threats include FaceID bypass attacks, such as those carried out by the GoldPickaxe malware, which uses AI-enhanced techniques to bypass biometric authentication,” Tovar said.

“Other significant risks include banking trojans, which infiltrate apps to steal login credentials or financial data, and accessibility malware, which exploits device accessibility features to take control of mobile interactions. The rise of these sophisticated threats highlights the need for robust in-app security.”

Steps to protect yourself while shopping on your phone this holiday season

A woman shopping on her smartphone (Kurt “CyberGuy” Knutsson)

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4 steps to take to protect yourself while shopping on your phone

Shopping scams are becoming harder to detect, but it’s easy to stay ahead of them. Here are some steps you can take to protect yourself while shopping on your phone.

1) Shop on a safe mobile app

This might seem obvious, but sticking to trusted apps can help keep you safe while shopping. By trusted apps, I mean platforms like Amazon, eBay and Walmart.

“With the growing sophistication of mobile threats, it’s becoming increasingly challenging for consumers to identify risks independently. Threats like phishing, accessibility malware and banking trojans are designed to mimic legitimate functions, making them nearly impossible to detect at a glance. Instead of relying solely on spotting issues, consumers should look for apps that clearly communicate their commitment to security through visible privacy policies, transparent security practices and updates addressing new threats. Choosing apps from trusted sources and reading user reviews can also provide reassurance,” Tovar said.

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2) Watch out for phishing, smishing and vishing scams

When shopping on your phone, be cautious of phishing, smishing and vishing scams, as they are common tactics used to steal your personal and financial information. Phishing involves fake emails that look like they are from trusted retailers, tricking you into sharing sensitive details like passwords or payment information. Smishing is a similar tactic but delivered through text messages, often containing links to fake websites or malicious downloads. 

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Vishing, on the other hand, involves scammers making phone calls pretending to be customer service representatives from well-known brands, attempting to gain access to your private information. Always verify the authenticity of emails, texts or calls before clicking links or sharing details to ensure a safe shopping experience.

The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

3) Be cautious about the permissions you grant to apps

When shopping online on your phone, it’s important to be careful about the permissions you give to apps. A lot of apps may ask for access to things like your camera, contacts or location, even if it’s not necessary for the shopping experience. Always think twice before granting these permissions.

“These permissions are often abused by malware to collect sensitive data or perform unauthorized actions. Before granting permissions, consider whether they align with the app’s purpose. Developers can mitigate these risks by incorporating protections from Appdome’s anti-fraud offering, which protects against the many abuse methods used by malicious actors to abuse mobile app permissions,” Tovar said.

Steps to protect yourself while shopping on your phone this holiday season

A woman shopping on her smartphone (Kurt “CyberGuy” Knutsson)

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4) Protect your financial information

Protecting financial information is crucial, especially when shopping online. It’s important to use secure websites, indicated by “https” in the URL, and avoid saving payment details in apps or on websites unless they are trustworthy.

While consumers should stay vigilant – by using trusted apps, downloading only from official app stores and monitoring for suspicious activity – there’s only so much they can do, Tovar said.

“The sophistication of modern threats often makes it impossible for users to identify or prevent all risks on their own,” he said. “Consumers have a better chance of keeping their personal information secure by choosing brands that prioritize security and back it up with tangible actions, such as automating robust protections and delivering proactive, built-in security measures.”

Kurt’s key takeaway

The holiday season is a prime time for shopping and, unfortunately, for scams. As mobile shopping continues to grow, threats like AI-driven scams and advanced malware are expected to increase. However, you can keep yourself safe by staying informed about potential threats, choosing apps with robust security measures and practicing good mobile hygiene. It’s also the responsibility of app developers to ensure users don’t fall prey to scammers.

Do you think app developers are doing enough to keep people safe from scams? Let us know by writing us at Cyberguy.com/Contact.

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For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

Ask Kurt a question or let us know what stories you’d like us to cover.

Follow Kurt on his social channels:

Answers to the most asked CyberGuy questions:

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Copyright 2024 CyberGuy.com. All rights reserved.

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Google Home tests access tiers for everyone in your smart home

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Google Home tests access tiers for everyone in your smart home

Google Home is testing a new feature that will allow friends and family members to help manage smart devices around your home. Two access levels are available: “Admin” which provides full control over account and device permissions, and “Member” for people who require more limited access.

Google says that Admin access is for “trusted partners or people who co-manage the home with you.” Admins can add, remove, and manage users, add and remove devices, and link subscriptions to the home account. Members can manage basic device controls like viewing live security camera feeds, and adjusting personal settings like voice and face match assistant features.

Two further permission tiers are available for Members: “Settings” to fully control devices and home-wide settings like automation and Nest Wifi device network features; and “Activity” to authorize access to device and home-wide history for things like cameras, locks, and sensors.

Participants can add someone as an Admin or a Member by opening the Google Home app settings, tapping “Household and access,” and selecting the plus icon to invite a new home member. Those you invite don’t need to be enrolled in public preview themselves, but will need to be running the latest version of the Google Home app.

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