FindCollegeCards.com, is a place for college students to find their first credit card, as well as find helpful college tips through a blog.
Did you know that college students are prime targets for identity theft? College life can be fun and exciting but take note that there are challenges along the way just like the issue on identity theft.
College students are at risk because their credit records are mostly blank. This means that they can be easily manipulated to secure new credit. There are many identity thieves out there, targeting college students.
But before we go to some tips on how to prevent this incident from happening in your life, let me show you first some of the incidents where college students leave themselves open to the risk of identity theft:
1. Living on campus in dorms (or with roommates).
2. Throwing away credit card offers without shredding them first.
3. Ordering stuff online.
4. Being careless with student loan pin numbers, etc.
5. Using cellphones to talk about things that might be heard by an identity thief.
Now here are three tips on how college students like you can prevent yourself from identity theft:
1. Keep your personal information private. Remember, you have to avoid publicly displaying your full name, address, phone number, bank account number, credit card number, and social security number as well as other pertinent information that may be useful to identity thieves. If you live in a dorm or if you have roommates, make sure than you keep your personal records in a secure place. Also, when you throw documents such as discarded bills and mails, make sure that you shred them into pieces. Throwing them away may seem harmless to you, but remember that some people may take advantage of them. Also, when you leave your laptop or desktop behind, make sure that your computer information and access is secure. You can create a login password and regularly check your computer if files were accessed by another person. Make sure that when you talk with other people, you avoid giving clues or divulging personal information as well as passwords. As much as possible, limit sharing information about your home and family.
2. Keep your credit data confidential. Remember, do not share with anyone else your ATM pin or credit card security code to anyone, not even your friend or roommate. Don’t announce your new credit card or bank account to people and make sure you keep samples of your signatures away from prying eyes.
3. Create safe passwords or pin numbers. Try to create passwords and pin numbers that are hard to figure out. Avoid using passwords or pin numbers that can be taken from your ID or personal information. Don’t share your password or pin number with anyone else.