Musalole kuti mbala yodziwika ikuwononge moyo wanu wachuma
Kuphwanya kwachinsinsi kukuchitika kuposa kale lonse, ndi ogulitsa ambiri akusowa ndalama kapena, moipa, kudziwika kwawo. Pali njira zina, komabe, mungadziteteze ku ziwawa zamtunduwu.
Mmene Kukula Kanthu Kumayambira
Aliyense angathe kuika malipiro awo pa ngongole, kugula mapulogalamu owonetsera ngongole kapena kutenga zina kuti ateteze ku zolakwa zazikulu zofanana. Komabe, kuba modziwika bwino kapena kuphwanya kwa PII, kuphatikizapo mabungwe akuluakulu omwe atchulidwa pansipa, alibe chochita ndi intaneti kapena makompyuta kapena chitetezo cha intaneti. Zowonongeka zosayenerera za opaleshoni kapena mawindo ophwanya mawonekedwe akuphatikizidwa mu chiwerengero chochepa cha milandu yonse.
Ganizilani izi: Kodi ndi zochuluka bwanji zomwe wina akufunikira kudziwa kuti akutsanzireni ku phwando lachitatu? Dzina lanu? Tsiku lobadwa? Adilesi? Zowonjezereka zopezeka mosavuta monga izi, ndipo mwinamwake zigawo zina zingapo za chidziwitso monga sukulu yapamwamba yomwe mudapitako, dzina la galu kapena dzina la mtsikana wanu, munthu akhoza kutenga maakaunti anu omwe alipo kapena kukhazikitsa ngongole zatsopano kapena ngongole m'dzina lanu.
Posachedwapa, malipoti okhudzana ndi chitetezo omwe makasitomala adzidziwitse ndidzidzidzimwini omwe amadziwika (PII) adakhumudwitsidwa ngati akuwonekera tsiku ndi tsiku. Mwachitsanzo, Verizon, inanena za kutaya kwa deta yomwe imakhudza oposa 14 miliyoni ogula. Anthu ochita zachinyengo amatsutsa makampani akuluakulu a ngongole a giant Equifax - mwinamwake kuphulika kwakukulu kwa deta kale - ndipo adabera uthenga kuchokera kwa anthu mamiliyoni 143 kuphatikizapo mayina, masiku oberekera, nambala za chitetezo cha anthu, maadiresi, ndi manambala a layisensi.
Zowonongeka kwambiri zimakhala ndi ubongo wawung'ono monga momwe akuchotsedwera kuchoka ku zinyalala zanu. Kapena munthu woperekera chakudya amene amasambira kapena kungolemba nambala yanu ya khadi la ngongole mukagula kugula. Pali malamulo osiyanasiyana okhudzana ndi kupeza makasitomala monga Sarbanes-Oxley, HIPAA, GLBA, ndi ena. Koma zomangamanga ndi zabwino, kubala wakale kumakhala chiopsezo chachikulu kuposa chitetezo cha chitetezo ndipo ndi kwa inu kufufuza ndi kuteteza mauthenga anu enieni ndi ngongole yanu.
Mmene Mungapewere Kuba Zizindikiro
M'munsimu muli zochitika zoyambirira zomwe mungatenge kuti muteteze ndi kuteteza zomwe mukudziŵa nokha ndikuwonetsetsani kuti ndinu eni kapena ngongole yanuyo.
Yang'anani pa mapepala-onfers. Mukalowetsa nambala ya PIN kapena nambala ya ngongole ku makina ATM, pakhomo la foni, kapena pakompyuta kuntchito, dziwani kuti ali pafupi ndi ndani ndipo onetsetsani kuti palibe amene akuyang'ana pamapewa kuti alembe zolemba mukukakamiza. Gwiritsani ntchito chojambula chala chachindunji kuti muzindikire, komanso, kapena kutembenuza machitidwe a kuzindikira nkhope ngati chipangizo chanu chimawapereka.
Imafuna chithunzi cha photo ID. M'malo mosayina kumbuyo kwa makadi anu a ngongole, mukhoza kulemba "Onani Zithunzi Zithunzi". Nthaŵi zambiri, alonda a masitolo samayang'ana ngakhale pa siginecha pa khadi la ngongole, ndipo wakuba angagwiritse ntchito khadi lanu la ngongole mosavuta kugula pa intaneti kapena kugula telefoni zomwe sizikufuna kutsimikiziridwa saina, koma pazochitika zosawerengeka kumene iwo amatsimikizira kuti siginecha, mungapeze chitetezo china mwa kuwatsogolera kuti atsimikizire kuti mukufanana ndi chithunzi pa ID ya chithunzi.
Kuwaza zonse. Imodzi mwa njira zomwe angakhale-akuba omwe amadziwira kuti adziŵe zambiri ndi kudzera mu "kutaya" kutsegula. Ngati mukutaya ngongole ndi ndondomeko ya khadi la ngongole, makadi akale a ngongole kapena mapepala a ATM, mauthenga azachipatala kapenanso makalata osungira makalata a makadi a ngongole ndi ndalama zogulira ndalama, mwina mukusiyiratu zambiri.
Pali njira ziwiri zojambulira mafayilo: Gulani pepala lopangira pepala lanu ndi kujambula mapepala onse ndi PII iwo asanawachotse kapena kugwiritsa ntchito pulogalamu yawotchetcha mapulogalamu .
Bwetsani deta yamakina. Mukamagulitsa, malonda kapena kutaya kompyuta , kapena hard drive, kapena CD, DVD kapena tepi yosungirako, muyenera kutengera njira zowonjezera kuti zowonongeka, zonse, ndi zosasinthika ziwonongeke. Kungosintha deta kapena kukonzanso dalaivala kulibeponse pafupi. Aliyense amene ali ndi luso lapamwamba lachinsinsi akhoza kusokoneza mafayilo kapena kubwezeretsa deta kuchokera pagalimoto yoyendetsedwa.
Gwiritsani ntchito mankhwala monga ShredXP kuti muwonetsetse kuti deta yomwe ili pa ma drive ovuta imatha. Kwa CD, DVD kapena tepi mulingo muyenera kuchiwononga mwa kuchiphwanya kapena kuchiphwanya musanachotse. Pali nsalu zomwe zimapangidwira kuti zisawononge CD / DVD.
Yesetsani kufufuza mawu ndi kulipira ngongole ku positi ofesi. Izi zili ndi mapindu awiri. Choyamba, ngati mwakhama kuti muyang'ane mabanki ndi ndondomeko ya ngongole mwezi uliwonse, mudzazindikira ngati mmodzi wa iwo sakufika ndipo akhoza kukuchenjezani kuti mwina wina akuba kubox yanu yamakalata kapena pamene akupita. Chachiwiri, mungathe kuonetsetsa kuti zolembera, kugula kapena zolemba zina zomwe zili pamalopo ndizovomerezeka ndikugwirizana ndi zolemba zanu kuti muthe kuzindikira ndi kuthetsa ntchito iliyonse yokayikitsa.
Ngati simukugwiritsa ntchito mabanki pa intaneti kuti muthe kulipira ngongole zanu, mvetserani: Musayambe kulipira ngongole mu bokosi lanu la makalata kuti mutumize. Wakuba amene amakantha bokosi lanu la makalata angathe kupeza chidziwitso chodziŵika bwino mu envelopu imodzi - dzina lanu, adiresi, nambala ya akaunti ya ngongole, chidziwitso chanu cha banki kuphatikizapo chiwerengero cha mayendedwe ndi nambala ya akaunti kuchokera pansi pa cheke, ndi kopi siginecha yanu kuchokera ku cheke yanu chifukwa cha zofunikira zokha zoyambira.
Lembani imelo yanu ndi mauthenga. Deta zonse zomwe mumatumizira mauthenga kapena kudzera pa imelo zili pangozi ngati simukugwiritsa ntchito mauthenga otsiriza kumapeto kwa chitetezo. Izi zikutanthauza kuti wotumiza ndi wolandirayo akhoza kuwerenga nkhaniyo. Gwirizanitsani ichi ndi chizindikiro chala chaching'ono kapena chinsinsi pa chipangizo kuti muonetsetse kuti muli otetezeka kwambiri.
Amafuna 2-Factor Kutsimikiza pa nkhani zachuma ndi zachikhalidwe. Onjezerani chingwe chowonjezera cha chitetezo ku akaunti yanu pa intaneti yomwe mumalowa nthawi zonse ndi kugwiritsa ntchito imelo / dzina lachinsinsi ndi mawu achinsinsi. Ngakhale makanema owonetsera mafilimu ayenera kukhala ndi zitsimikizo ziwiri zothandizira. Ngati wina atapezeka kuti apeze achinsinsi, mwachitsanzo, akadakali ndi chidziwitso chachiwiri chofanana kuti alowe mu akaunti.
Sungani lipoti lanu la ngongole pachaka. Izi zakhala zothandiza nthawi zonse, koma zimagwiritsa ntchito ndalama zambiri, kapena kuti mumayenera kukanidwa poyamba kuti musalandire ngongole kuti mupeze kopi yaulere. Tsopano ndizotheka kuyang'ana kwaulere lipoti lanu la ngongole kamodzi pachaka. Mabungwe akuluakulu atatu olemba ngongole (Equifax, Experian ndi TransUnion) adagwirizana kuti apereke malipoti a ngongole kwa ogula.
Webusaiti yathu yaparecreditreport.com, ndi malo monga CreditKarma.com, imaperekanso malipoti a ngongole zaulere komanso kuyang'anira. Muyenera kuyang'anitsitsa lipoti lanu kuti mutsimikize kuti zomwe zilipozo ndi zolondola komanso zitsimikiziranso kuti palibe nkhani zilizonse zomwe simukuzidziwa kapena zochitika zina zokayikitsa kapena ntchito.
Tetezani nambala yanu yotetezera. Nambala ya Security Social yakhala chinthu chimodzi chomwe iwo adalonjeza kuti sikudzakhala - mtundu wa chizindikiritso cha dziko. Nthawi zambiri zimaperekedwa kuti musanyamule Social Security mu chikwama chanu ndi chilolezo chanu choyendetsa ndi zina. Chifukwa chimodzi, ngakhale kuti mukuyembekeza kuti mupitirize moyo wanu wonse, khadi la Social Security limatulutsidwa pa makatoni ochepa kwambiri omwe sali bwino kuti azivale.
Kuwonjezera pamenepo, kudziŵa dzina lanu lonse, adiresi ndi Nambala Yoyenera ya Social Security, kapena ngakhale manambala 4 omalizira ambiri, angalole wakuba kuganiza kuti ndinu wotani. Musagwiritse ntchito nambala yanu ya Security Security ngati gawo lililonse la dzina lanu kapena mawu omwe mumayambitsa ndipo simuyenera kuululira kwa opempha telefoni kapena poyankha spam kapena maofesi ophwanya malamulo ophwanya malamulo.
Caveat Emptor. Musamachite malonda pa intaneti ndi makampani omwe simukuwadziwa. Mutha kumva kuti muli otetezeka mukuchita bizinesi pa Amazon.com kapena BestBuy.com kapena webusaiti iliyonse yogwirizana ndi amalonda odziwika bwino, amitundu kapena a padziko lonse. Koma, ngati mukugula chinthu china pa intaneti muyenera kukhala ndi chikhulupiliro kuti kampani yomwe mukuchita nayo bizinesi ndi yoyenera komanso kuti amatenga chitetezo chaumwini wanu mozama monga momwe mumachitira.
Mukamagula zinthu pa intaneti, werengani makampani anu payekha pulogalamu yachinsinsi payekha kuti mutsimikizire kuti mumavomereza nawo ndipo mutsimikizire kuti muli pa webusaiti yotetezedwa kapena yosindikizidwa (yophiphiritsira pang'onopang'ono pomwe pansi pazenera pa Internet Explorer).