Identity Theft

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With each online profile we create, every service we sign up for and all the smart gadgets we buy we put our identities at risk. Technology is evolving, and with it, our personal information becomes more vulnerable. Protecting your identity isn’t an option; it’s a must.

The Best Ways To Avoid Identity Theft

Don’t Be Another Victim

In 2017, identity theft occurred once every 2 seconds. That’s a frightening statistic, and that’s just the beginning of them. We’ve got many more Identity Theft Statistics that not only will scare you but also prove that none of us is exempt from becoming a victim.

Identity theft has become personal for many of us who work for Safe Smart Living. You can read real Identity Theft Examples from our readers and us. Fortunately, you can protect yourself by following our suggestions.

How Can I Monitor My Personal Information For ID Theft?

ID theft protection iconInvesting in ID theft protection is one of the best things you can do to protect your identity from a thief. Identity theft protection monitors your personal information online and notifies you of any suspicious activity. This can include your Social Security number, bank account information, credit cards, loan details, insurance, driver’s license and more.

There are many companies to turn to for this service, but not all are created equal. We’ve compared the top companies and chosen the Best Identity Theft Protection based on items monitored, price, restoration services, reputation, family/child coverage and mobile access.

You can learn more about our top 3 picks (IDShieldIdentityForce and Identity Guard) and other companies (Lifelock, Intelius and Complete ID) in their individual reviews. And, if you want to see some head-to-head comparisons, we’ve got Identity Guard vs Lifelock, IdentityForce vs Identity Guard, IdentityForce vs Lifelock and IDShield vs Lifelock to help you compare apples to apples, and understand why one company ranks higher than the other.

Occasionally, we interview CEOs or other higher-ups in the companies, including this one with Steve Bearak from IdentityForce.

Monitor Your Credit Score & Report

Another step to monitoring the safety of your identity is to check your credit report and score regularly. A credit report has information about your credit activity and current standing.

A credit score is a number based on the information in your report — the higher your credit score, the better. Lenders use this number to decide if they want to work with you.

Credit Monitoring Service iconIf you see that your credit score has suddenly taken a hit, but you have a good credit history, there may be cause for concern. Someone may have opened a line (or two, or more) of credit in your name. At least you caught it, thanks to your credit score monitoring, so you can get it fixed sooner rather than later. People who don’t monitor their credit report and score can go months (or even years) without realizing someone stole their identity.

You have many options to monitor your credit. Many of the identity theft protection companies include credit monitoring in their top-tier packages. You can also purchase it separately through one of the companies listed in our Best Credit Monitoring Service comparison.

More Ways To Protect My Identity

There are other ways to protect your identity that don’t necessarily cost money.


Did you know you should be using a virtual private network every time you connect to public WiFi? Consider this the next time you use your favorite coffee shop’s internet. We have an entire section on VPN where we discuss the top providers, step-by-step setup instructions, practical tips on public WiFi security, and more.

RFID Wallets

RFID Wallets iconEver heard of RFID (radio frequency identification) wallets? RFID wallets block criminals from reading your card’s RFID chip with an RFID reader. All they have to do is come within inches of you, and then they’re all set to go shopping or sell your information.

RFID theft is possibly one of the scariest ways to have your identity stolen. Just think about all the people you pass on your way to work, going grocery shopping, etc. You may want to consider getting an RFID wallet, but first, find out if RFID wallets really work.

Spoof Calls

Spoof Calls iconSpoof calls blowing up your phone is frustrating. You answer the phone, only to find out it’s some scam artist trying to take your personal information or money. We’ve got an article dedicated to How To Stop Spoofing Calls.

Other Tips & Tricks

We have more Cyber Security Tips & Tricks explaining why you shouldn’t pay for your gas at the pump and why you should sign up for two-factor authentication (2FA, or two-factor authentication, adds an additional identity check to confirm it’s you, such as sending you a text on your cell phone).

Speaking of two-factor authentication, could passwords become obsolete? Logging into our accounts tomorrow could mean scanning your fingerprint or iris instead of entering a password. Protecting this information (known as Zero Knowledge Proof) is much easier than protecting a 12-digit password.

Smart Home Devices Need Protecting Too

Smart Firewall iconSmart home gadgets are increasing in popularity. With each one you purchase, it means there’s one more opportunity for a hacker to weasel their way into your home. Fortunately, there’s a way for you to protect your smart home gadgets through the use of a smart home firewall.

Smart home firewalls protect your devices against hackers, malware and viruses. If you’re a smart home fanatic, your privacy is at risk. That’s why we recommend you read about the Best Smart Firewall where we cover companies such as Cujo.

Should I Get Identity Theft Insurance?

As an added precaution, you can sign-up for identity theft insurance, which will reimburse you for the cost of restoring your identity after it’s stolen. This includes lost wages, phone bills, notary and certified mailing costs, and attorney fees. We discuss this further and some companies to choose from in our Identity Theft Insurance article.

Note: Before signing up for ID theft insurance, you should check with your identity theft protection service (if you have one) to see what its restoration services entail. Many monitoring services offer restoration services, so insurance may not be needed.

Data Breaches You Need To Be Aware Of

Millions of people have suffered significant data breaches in recent years, and we want to keep you up to date with the Latest Data Breach News. We cover the latest ID theft breaches you should be aware of, show you how to see if your identity was compromised, and give you actionable steps to protect yourself. Includes massive events like the Equifax data breach.

What’s stopping you from protecting your identity?

Disclaimer: Information regarding insurance company offerings, pricing, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those that may be used for example purposes in this article.
Kimberly researches everything before she buys. She wants to make sure she is getting the best bang for her buck by purchasing the best product/service, which is why she loves her work. She has a degree in Multimedia Journalism and has been researching and writing professionally since 2013 to help consumers make more educated decisions.

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