Maintain Your Digital Profile
Every click, share, send, and post you make creates a digital trail that can be exploited by cybercriminals. To protect yourself from becoming a victim, you must understand, secure, and maintain your digital profile. Be familiar with and routinely check privacy settings to help protect your privacy and limit Internet-enabled crimes.
Today’s technology allows us to connect around the world, to bank and shop online, and to control our televisions, homes, and cars from our smartphones. With this added convenience comes an increased risk of identity theft and Internet scams. #BeCyberSmart on the Internet—at home, at school, at work, on mobile devices, and on the go.
Did you know?
- The total number of data breaches reported in 2018 decreased 23% from the total number of breaches reported in 2017, but the reported number of consumer records containing sensitive personally identifiable information (PII) exposed increased 126%.
- Credit card fraud tops the list of identity theft reports in 2018. The Federal Trade Commission (FTC) received more than167,000 reports from people who said their information was misused on an existing account or to open a new credit card account.
- Consumers reported $905 million in total fraud losses in 2017, a 21.6% increase over 2016.
Common Internet Scams
As technology continues to evolve, cybercriminals will use more sophisticated techniques to exploit technology to steal your identity, personal information, and money. To protect yourself from online threats, you must know what to look for. According to the FTC, these are the top three kinds of threats reported in 2018:
- Identity theft is the illegal acquisition and use of someone else’s personal information to obtain money or credit. Signs of identity theft include bills for products or services you did not purchase, suspicious charges on your credit cards, or new accounts opened in your name that you did not authorize.
- Imposter scams occur when you receive an email or call from a person claiming to be a government official, family member, or friend requesting personal or financial information. For example, an imposter may contact you from the Social Security Administration informing you that your Social Security number (SSN) has been suspended, in hopes you will reveal your SSN or pay to have it reactivated.
- Debt Collection scams occur when criminals attempt to collect on a fraudulent debt. Signs the “debt collector” may be a scammer are requests to be paid by wire transfers or credit cards. In 2018 there was a spike in requests for gift cards and reloadable cards as well.
Simple Tips to Protect IT
- Double your login protection. Enable multi-factor authentication (MFA) to ensure that the only person who has access to your account is you. Use it for email, banking, social media, and any other service that requires logging in. If MFA is an option, enable it by using a trusted mobile device, such as your smartphone, an authenticator app, or a secure token—a small physical device that can hook onto your key ring.
- Shake up your password protocol. According to NIST guidance, you should consider using the longest password or passphrase permissible. Get creative and customize your standard password for different sites, which can prevent cyber criminals from gaining access to these accounts and protect you in the event of a breach. Use password managers to generate and remember different, complex passwords for each of your accounts.
- Be up to date. Keep your software updated to the latest version available. Maintain your security settings to keeping your information safe by turning on automatic updates so you don’t have to think about it, and set your security software to run regular scans.
Protect Yourself from Online Fraud
Stay Protected While Connected: The bottom line is that whenever you’re online, you’re vulnerable. If devices on your network are compromised for any reason, or if hackers break through an encrypted firewall, someone could be eavesdropping on you—even in your own home on encrypted Wi-Fi.’
- Practice safe web surfing wherever you are by checking for the “green lock” or padlock icon in your browser bar—this signifies a secure connection.
- When you find yourself out in the great “wild Wi-Fi West,” avoid free Internet access with no encryption.
- If you do use an unsecured public access point, practice good Internet hygiene by avoiding sensitive activities (e.g., banking) that require passwords or credit cards. Your personal hotspot is often a safer alternative to free Wi-Fi.
- Don’t reveal personally identifiable information such as your bank account number, SSN, or date of birth to unknown sources.
- Type website URLs directly into the address bar instead of clicking on links or cutting and pasting from the email.
Resources Available to You
If you discover that you have become a victim of cybercrime, immediately notify authorities to file a complaint. Keep and record all evidence of the incident and its suspected source. The list below outlines the government organizations that you can file a complaint with if you are a victim of cybercrime.
- FTC.gov: The FTC’s free, one-stop resource, www.IdentityTheft.gov can help you report and recover from identity theft. Report fraud to the FTC at ftc.gov/OnGuardOnline or www.ftc.gov/complaint
- US - CERT.gov: Report computer or network vulnerabilities to US-CERT via the hotline: 1-888-282-0870 or www.us-cert.gov. Forward phishing emails or websites to US-CERT at phishing- firstname.lastname@example.org.
- IC3.gov: If you are a victim of online crime, file a complaint with the Internet Crime Complaint Center (IC3) at http://www.IC3.gov.
- SSA.gov: If you believe someone is using your SSN, contact the Social Security Administration’s fraud hotline at 1-800-269-0271.
More and more of our home devices— including thermostats, door locks, coffee machines, and smoke alarms—are now connected to the Internet. This enables us to control our devices on our smartphones, no matter our location, which in turn can save us time and money while providing convenience and even safety. These advances in technology are innovative and intriguing, however they also pose a new set of security risks. #BeCyberSmart to connect with confidence and protect your digital home.
Simple Tips to Protect IT
- Secure your Wi-Fi network. Your home’s wireless router is the primary entrance for cybercriminals to access all of your connected devices. Secure your Wi-Fi network and your digital devices by changing the factory-set default password and username.
- Double your login protection. Enable multi-factor authentication (MFA) to ensure that the only person who has access to your account is you.
- If you connect, you must protect. Whether it’s your computer, smartphone, game device, or other network devices, the best defense is to stay on top of things by updating to the latest security software, web browser, and operating systems. If you have the option to enable automatic updates to defend against the latest risks, turn it on. And, if you’re putting something into your device, such as a USB for an external hard drive, make sure your device’s security software scans for viruses and malware. Finally, protect your devices with antivirus software and be sure to periodically back up any data that cannot be recreated such as photos or personal documents.
- Keep tabs on your apps. Most connected appliances, toys, and devices are supported by a mobile application. Your mobile device could be filled with suspicious apps running in the background or using default permissions you never realized you approved—gathering your personal information without your knowledge while also putting your identity and privacy at risk. Check your app permissions and use the “rule of least privilege” to delete what you don’t need or no longer use. Learn to just say “no” to privilege requests that don’t make sense. Only download apps from trusted vendors and sources.
- Never click and tell. Limit what information you post on social media—from personal addresses to where you like to grab coffee. What many people don’t realize is that these seemingly random details are all that criminals need to know to target you, your loved ones, and your physical belongings—online and in the real world. Keep Social Security numbers, account numbers, and passwords private, as well as specific information about yourself, such as your full name, address, birthday, and even vacation plans. Disable location services that allow anyone to see where you are— and where you aren’t —at any given time.
For more information please visit: https://niccs.us-cert.gov/national-cybersecurity-awareness-month-2019