The traditional method of safeguarding our accounts with passwords is facing growing challenges. As technology evolves, so do the methods employed by hackers, making passwords both inconvenient and increasingly susceptible to breaches.

You may have heard that passkeys are an emerging method to secure our accounts and devices in the digital age. But what is a passkey? Here, we explain what a passkey is, how it works, and why they are emerging as a compelling alternative to the traditional password.

What is a Passkey?

A passkey is a new method of signing into online accounts that offers more security than a traditional password or passcode. Passkeys use biometric verification to confirm your identity and unlock your account or device. This delivers quicker logins and easier use while helping to prevent any unauthorized users from accessing your information.

Passkeys are still in their early stages of adoption but are becoming more prominent in everyday life. For example, many smartphones have already implemented passkey technology and have begun to transition away from traditional alphanumeric passwords. iPhone users have benefited from passkey technology for years through their devices’ face and fingerprint scan features.

A passkey uses your biometrics to determine if you are authorized to access your devices or online accounts, eliminating the struggle of remembering complex passwords. This adds an extra layer of security to your accounts and delivers unmatched convenience.

How Does a Passkey Work?

When you create a passkey for a website or app, your device generates a unique pair of cryptographic keys: A public key that’s shared with the website or app and a private key that’s stored securely on your device and never leaves it. These keys are mathematically linked, but it’s nearly impossible to determine the private key from the public key.

Your device sends the public key to the website or app, along with a unique identifier for your device, such as a credential ID. The website stores this public key and associates it with your account, but it never receives or stores your private key.

When you want to log in to the website or app, it sends a challenge to your device. Your device uses its private key to generate a unique cryptographic signature based on the challenge. This signature is sent back to the website, along with the credential ID. The website verifies the signature using the public key it has stored. If the signature matches, it confirms your identity and grants you access.

In essence, passkeys replace the traditional password exchange with a more secure, cryptographic handshake between your device and the website. This public-key approach makes it much more difficult for hackers to steal or compromise your credentials, even in the event of phishing attacks or website breaches.

Passkey vs. Password – What’s the Difference?

Passkeys are a modern alternative to passwords. The main difference between a passkey and a password boils down to how they authenticate your identity and the level of security they offer.

Passkeys and passwords have different authentication methods. With passwords, you remember and manually enter a secret string of characters. With passkeys, you use your biometric information – like a fingerprint or face scan – or a personal identification number (PIN)/pattern stored on your device.

Passwords are more vulnerable to phishing attacks, data breaches, and other hacks that target weak credentials. Hackers can also trick you into revealing your password on a fake website. On the other hand, passkeys are more secure than passwords because of their public-key cryptography technology, which creates a unique cryptographic signature that cannot be easily stolen. Passkeys are also stored locally on their devices, rather than a cloud-based storage approach like the iCloud keychain. This makes it more difficult for hackers to obtain.

Passkeys also offer convenience that passwords simply cannot compete with. The struggle to maintain strong passwords is almost paradoxical. It is best to routinely update passwords, using a random mix of numbers, letters, and symbols without any recognizable pattern. However, a strong password that meets all these criteria is too complex to remember, and writing it down, physically or digitally, is too risky. While password managers offer a solution to this, the convenience of passkeys eliminates this struggle in a more secure way.

The cryptographic technology of passkeys offers strong safety improvements from passwords, such as:

• Keeping private information private. The website never receives or stores your private key, preventing it from being compromised in a data breach.
• Stronger Authentication. The signature generated by your private key can only be created by your device, ensuring only you can authenticate.
• Phishing Prevention. Even if you’re tricked into visiting a fake website, your passkey won’t work because the fake site won’t have the correct public key to verify the signature.

Bottom Line

Passkeys are ushering in a new era of online security and convenience. By leveraging public-key cryptography and your unique biometrics, they eliminate the weaknesses and frustrations of traditional passwords. While still in their early stages of adoption, their superior security, enhanced usability, and phishing resistance make them a clear upgrade for the future of online authentication.

From smartphones to websites, the seamless and secure login experience offered by passkeys promises to revolutionize the way we access our digital lives. As this technology continues to evolve and gain wider adoption, we can expect a safer and more user-friendly online environment for everyone.

Another important way to help keep your information secure is IdentityIQ identity theft protection. IdentityIQ services track and monitor your personal information and alert you to possible suspicious activity. A passkey can be a step in helping secure your digital identity, and IdentityIQ identity monitoring can help provide complete protection.

The dark web is a hidden part of the internet that cannot be accessed as easily. To get to the dark web, you need to use special tools designed to provide anonymity and privacy for the dark web’s users and website administrators. While there are many legitimate reasons to use the dark web, its anonymity makes it fertile ground for illegal activity.

Read on for an overview of the origins and history of the dark web, and answers to common questions you need to know before you use it.

What Is the Dark Web?

The dark web consists of websites and services that operate anonymously and aren’t accessible in the “public” part of the internet. This means that dark websites cannot be found using common search engines such as Google or standard web browsers like Chrome. Dark web users need a special browser, called Tor, to access it. Dark website URLs end in .onion, and they can’t be accessed with any other type of web browser.

The dark web is known for its privacy and anonymity. There are plenty of legitimate reasons to use it to remain private and anonymous — such as bypassing government censorship, finding niche content, participating in forums or chat boards, whistleblowing crimes to journalists, or even contacting the CIA.

But the dark web is also associated with illegal activities including the trafficking of drugs, weapons, and illegal pornography, hacking and cybercrime, terrorism, and the sale of stolen data or personal information.

Transactions on the dark web are typically conducted using cryptocurrencies such as Bitcoin to maintain anonymity. Law enforcement agencies and cybersecurity experts actively monitor the dark web to look for lawbreakers. It’s important to exercise caution and use appropriate security measures when using the dark web to help avoid encountering criminals or illegal content.

Deep Web vs. Dark Web: What’s the Difference?

The deep web is also made up of content that is not indexed by search engines and requires a login to access. You probably use the deep web all the time — examples may include bank accounts, your email, and login-restricted content such as news or streaming entertainment. The deep web is far and away the largest part of the internet.

The dark web is similar in that it can’t be found by search engines, but that is where the similarities end. Unlike the deep web, the dark web can’t be found via standard web browsers or by navigating to a login page through a “public” facing website.

The History of the Dark Web

1990s: Creation of Onion Routing

Dark web history is packed with government influence. “Onion routing” – the core principle that enables Tor to maintain user anonymity — was developed and funded in the mid-1990s by the U.S. federal government.

Onion routing was created to protect individuals in the intelligence community by allowing them to communicate anonymously. It also served to protect whistleblowers, allow freedom of thought and expression for citizens and journalists who lived under oppressive regimes, and keep others out of danger by protecting their anonymity.

Onion routing was first developed at the U.S. Naval Research Laboratory by scientists Paul Syverson, David Goldschlag, and Michael Reed. The project’s development continued through the Defense Advanced Research Projects Agency (DARPA) until the U.S. Navy patented onion routing in 1998.

2002 – 2006: Origins of the Tor Project

After onion routing was patented, additional computer scientists joined the original development team in 2002 and created the biggest project for onion routing yet: The Onion Routing Project, now commonly known as the Tor Project.

The Navy would later release the code for Tor under a free license. In 2006, several of the same scientists who developed Tor founded the Tor Project, a Massachusetts-based non-profit organization. The Tor Project maintains the software and browser of the same name and still receives funding from the U.S. government.

Current and past sponsors of the Tor Project include multiple branches of the U.S. government, including the Department of Defense, as well as governments of other modernized countries, human rights foundations, and many others. These sponsors fund the Tor Project because they believe it helps protect advocates of democracy in authoritarian states.

The Tor Project maintains that while it accepts federal funding, the organization does not work with the NSA to reveal the identities of any of its users.

Early 2000s – Present: Tor’s Illegal Uses

While Tor (and similar dark web software/browsers) have uses that keep people safe, the anonymity that it provides can be exploited for criminal purposes.

The dark web created a unique opportunity for digital black markets to thrive, and people began to take advantage. Transactions on the dark web are often carried out with Bitcoin or other cryptocurrencies, which are unregulated and difficult to trace back to the user.

These transactions can range from drug and weapon purchases to illicit pornography and even human trafficking. While new hidden services frequently pop up, law enforcement agencies continually work to shut down dark marketplaces and bust the people behind them. Even though Tor is known for keeping its users anonymous, law enforcement has methods to identify and locate criminals.

One particularly infamous example of this is the story of Ross Ulbricht and the Silk Road — a story that caused many people to hear about the dark web for the first time.

February 2011: Ross Ulbricht Creates the Silk Road Marketplace

“I created Silk Road because I thought the idea for the website itself had value, and that bringing Silk Road into being was the right thing to do. I believed at the time that people should have the right to buy and sell whatever they wanted so long as they weren’t hurting anyone else… Silk Road was supposed to be about giving people the freedom to make their own choices, to pursue their own happiness, however they individually saw fit.”

– Excerpt from Ross Ulbricht’s letter to Judge Katherine Forrest prior to his sentencing

The Silk Road was essentially a dark web marketplace for drugs. Users could buy their products with Bitcoin and even leave ratings and reviews to inform other buyers of safety, quality, etc. Think eBay but untraceable.

The marketplace was created by Ross Ulbricht, known as Dread Pirate Roberts on the site. He was a 26-year-old recent graduate of Penn State University with a master’s degree in materials science and engineering. Over the course of his days as a graduate student, he developed a strong interest and belief in libertarian philosophy and economic theory.

Following his graduation, he was unsatisfied with a regular day job and his legitimate attempts at entrepreneurship continually fell through. That’s when Ulbricht conceived the Silk Road, a marketplace where people could buy and sell whatever they wanted.

Ulbricht believed people should have the freedom to sell and purchase the products that they desired, despite their illegality, so long as they were not causing harm to anyone else. The way he saw it, he was setting up a truly free market that was safe from the grasp of law enforcement. It should be noted that the sale of any product used to “harm or defraud” another individual was strictly prohibited.

June 2011: The Silk Road Gains Popularity

Using the Tor network as the anonymous marketplace and Bitcoin as the medium of exchange, the Silk Road became a one-stop shop for just about every mind-altering substance that exists. The hidden service gained traction in 2011 and then hit the mainstream when a Gawker article about the site was published.

By this time, it had caught the attention of law enforcement and politicians. Sen. Chuck Schumer, D-New York, called for an investigation by federal authorities including the DEA and Department of Justice to shut the site down.

From 2011 to 2013, the Silk Road hosted 1.2 million transactions between 957,079 users, totaling about $1.2 billion in value. According to the FBI, Dread Pirate Roberts earned $79.8 million in commission from all the transactions. (Ulbricht claims he sold the site to someone else and was no longer Dread Pirate Roberts at the time of his arrest and subsequent conviction.)

2013: The End of the Silk Road

Authorities were able to trace the pseudonym back to Ulbricht thanks to the efforts of an IRS investigator who was working with the DEA on the Silk Road case in mid-2013.

With a mix of infiltration, social engineering, and many hours of investigative work, authorities were able to discover Ulbricht’s identity. He was arrested in San Francisco, where his seized laptop provided ample evidence that he was the mastermind behind the Silk Road.

He was charged with money laundering, computer hacking, and conspiracy to traffic narcotics. It was alleged he offered a total of $700,000 for hitmen services to take out people who were trying to blackmail him, but he was never charged for these allegations for lack of sufficient evidence.

Throughout his trial, Ulbricht’s lawyers maintained that he was no longer the individual in control of Dread Pirate Roberts and had been set up as a fall guy. The judge ruled that any “speculative statements” claiming that Ulbricht was no longer in charge of the Silk Road would not be allowed and were to be removed from the record of the case, even though the account had been accessed while he was incarcerated and awaiting his trial.

The FBI shut down the Silk Road in October 2013.

May 2015: Ulbricht is Sentenced

On May 29, 2015, Ulbricht was sentenced to two life terms plus 40 years without the possibility of parole.

He serves as a cautionary tale of placing too much faith in the ability to remain anonymous in the dark corners of the web. He and his family continue to fight what they see as an unjust sentence. Many individuals (including the creator of Silk Road 2.0) were convicted of similar crimes and received sentences of less than 10 years.

2015 – Present

Following the demise of Silk Road, many other illegal dark marketplaces popped up to take its place. Just as quickly, illegal marketplaces that get created may get shut down by law enforcement. Today, the dark web still operates as a place for users to navigate the web anonymously, whether it be for legal or illegal reasons. Law enforcement continues to track activity on the dark web with the aim of shutting down criminal enterprises.

The Future of the Dark Web

The future of the dark web is uncertain as it continues to evolve and adapt to new technologies and law enforcement methods. New encryption and anonymity tools may arise to counter the advancement of law enforcement and government monitoring tools.

Cryptocurrencies will likely remain the primary way to facilitate dark web transactions. And the dark web will likely continue to act as a hub for criminal activities including drug trafficking, illegal pornography, cybercrime, and the sale of stolen data. Just as important to note, the dark web will continue to offer privacy and safety for people who want to use it for legitimate reasons.

Law enforcement will continue to invest in resources and technology to help them monitor and combat crime on the dark web, as well as collaborate across borders to tackle illegal dark web operations. And dark web users may respond by developing more sophisticated methods to avoid detection.

Public awareness about the use and risks associated with the dark web can help individuals protect themselves and avoid its more dangerous aspects. Ultimately, the future of the dark web rests on the balance between technology, law enforcement, and societal attitudes toward privacy and online security.

Dark Web Regulations

There have been many proponents for greater regulation of the dark web. For example, the G20 and the Financial Action Task Force have promoted the idea of cryptocurrency companies providing information on users and their transactions. Regulations that can affect the dark web include:

• Prohibition of drug trafficking, weapons trafficking, certain types of pornography, and the sale of stolen consumer data.
• Cooperation agreements that allow law enforcement agencies to partner and share information when investigating dark web crimes.
• Surveillance and monitoring initiatives that enable authorities to track and identify individuals on the dark web.
• Restriction of encryption technologies in some countries, such as virtual private networks (VPNs) to prevent users from hiding their identities online.
• Financial regulations that monitor and direct online transactions.

Of course, enforcing these regulations can prove challenging due to the anonymous nature of the dark web. Penalties may range from fines to imprisonment depending on the jurisdiction and the severity of the offense.

Dark Web FAQs

Is it illegal to access the dark web?

It is not illegal to access the dark web.

How do you get on the dark web?

You need Tor, a secure browser, to access the dark web. You can then enter a dark web URL to visit a website or search for content using a dark web directory. Consider using a VPN to maintain greater anonymity.

What should you do if your information is on the dark web?

If your personal information is found on the dark web using a dark web scan, your identity is already at risk. You could become the victim of financial fraud, employment identity scams, tax identity theft, and more. Here are the steps you should take if your information is found on the dark web:

• Freeze your credit reports with the credit bureaus.
• Change your passwords for your online accounts and create strong, unique passwords for each account.
• Turn on multifactor authentication for all online accounts.
• Monitor your financial accounts and credit reports for signs of fraud.

One of the strongest weapons in the fight against identity theft is IdentityIQ credit and identity monitoring. You can monitor your credit reports and other national databases and receive alerts when suspicious activity occurs. In addition, IdentityIQ provides dark web monitoring to scour the dark web for your information and warn you when it’s found.

What are some of the risks of the dark web?

Risks on the dark web include illegal drugs, weapons and firearms, hacking tools and services, fraudulent documents and counterfeit money, malware and ransomware, identity theft, and more.

There were an estimated 1.1 billion online gamers last year, which makes online gaming a massive target for criminals and hackers. If you or your kids enjoy playing video games online like Minecraft or Roblox, you need to prioritize security and privacy, as there are financial and safety risks involved.

For example, last year over 69 million players of Neopets, an online virtual pet game, had their customer data exposed — including usernames, emails, passwords, and personally identifiable information (PII) such as birth date, gender, zip code, and country of residence. This type of data can be used to break into gamer accounts or even commit identity theft.

Keeping yourself and your family safe while you game online is important. Here are some safe gaming tips to help protect your privacy as an online gamer.

Safe Gaming Tips

Make Sure Your Passwords are Strong

Don’t reuse passwords or variations of the same password. Always use unique, strong passwords for every account (ideally using random phrases or letters, numbers, and symbols). That way, if someone cracks your password for one account, they won’t be able to break into your other accounts as well. Consider using a password manager, which can automatically create strong, unique passwords and help keep them safe and encrypted.

Two-factor authentication (2FA) can also add greater security at the point of login. When you enable this feature, you’ll be required to provide a second verification when you log in using your mobile device or email. Turn on 2FA for online games that offer it.

Double-Check Privacy Settings

Online video games and gaming platforms have privacy settings to control who can view your profile, activity, IP address, and other information. You should tweak these settings to your comfort level. For example, you can make your profile as private as possible so other users can’t view your gaming history, location, and more.

Be Careful on Social Media

Oversharing on social media may accidentally expose PII and create risks to your privacy and safety. Be careful about what you share on social media, including information about your favorite games and hobbies.

It’s also a good idea to separate your personal life and gaming life, and not connect your social media accounts to your gaming accounts. You also may want to avoid befriending people you meet in-game using your “real” identity on social media. This helps create a line of separation so people in games can’t find you elsewhere online.

Be Careful During Online Interactions

Online games allow gamers to interact with one another, working together (or against each other) in the game and sharing tips, tricks, and strategies. But some gamers may bully, abuse, or try to scam other players. Be careful with your online interactions and don’t interact with players who make you uncomfortable.

Limit Sharing of Personal Details

Limit the amount of personal information you share online and with other gamers. Use a gamer name that doesn’t give away your name, location, or other details about you. Pick an avatar for your profile instead of your picture.

Don’t share too much identifying information on your gaming profile. The more information you provide, the easier it may be for a criminal to steal your identity, access your online accounts, or attempt to scam you. If a stranger asks you to share personal information online, refuse.

Report and Block Malicious Gamers

Online games involve playing with people from all over and from different age groups, which means you may encounter inappropriate behavior and toxic players. Games often have ways to report abusive players, bullying behavior, and scams. If another player is asking you for personal information, harassing you, or making you uncomfortable, you should mute and/or block them and report them. Look for settings that let you report players in the game menu or online platform you’re using.

Be Skeptical

Criminals may try to run scams and phishing attempts disguised as friend requests, special offers, or invitations to visit websites. Ignore, block, and report players who want you to do anything suspicious, especially if they want to interact outside of the video game.

Download Safely

Downloads may contain malware that is designed to harm you, exploit you, or steal private information from your device or network. Don’t download files such as game mods, cheats, or unofficial software from sources that you can’t trust. Examples of trustworthy websites include official game marketplaces or the game developer’s website.

Make Safe Purchases

Be cautious when you make purchases within a game. Review the game’s privacy policies and security protocol before you enter your payment information. You can use virtual credit card numbers, which are temporary card numbers with a short expiration date, to make online purchases without exposing your physical credit card number. Make sure to review your bank account and credit card statements on a regular basis to look for suspicious activity.

Be Nice

Conduct yourself kindly and responsibly when you play online. Don’t use hurtful or discriminatory language, and make sure you’re adhering to the community’s guidelines. The best gaming communities last a long time by supporting players and encouraging positive interactions.

Bottom Line

Today, protecting your privacy and online safety is crucial. Gaming platforms store vast amounts of data about their players, and the risks of identity theft and data breaches are prevalent across the industry. Protecting yourself online by using safe gaming tips such as unique passwords and custom security settings can help you mitigate the risks and enjoy a better online gaming experience.

Use IdentityIQ identity theft protection services to help enhance your online security. IdentityIQ offers comprehensive identity theft protection, including credit monitoring, identity theft insurance, identity restoration services, and more. They even offer digital security tools such as anti-virus software and virtual private networks (VPNs). With IdentityIQ services, you can keep doing what you love while staying safe online.

You work hard to protect your identity. You’re cautious about sharing personal information, you regularly change your passwords, and you keep an eye on your credit report. But despite your diligence, there’s a form of identity theft that’s becoming increasingly prevalent and is notoriously difficult to detect — synthetic identity theft.

Understanding this growing threat can help protect your financial health and peace of mind. Here’s a comprehensive guide to help you grasp the ins and outs of synthetic identity theft so you can safeguard your future and that of your family.

What Is Synthetic Identity Theft?

Synthetic identity theft is an intricate form of financial fraud that blends stolen personal details with fabricated information to create a new, unique identity.

Unlike traditional identity theft where the criminal fully takes over someone’s identity, synthetic identity theft combines your real information, such as your Social Security number or date of birth, with other fake information to make it more difficult to trace.

The complexity of synthetic identity theft often allows it to go undetected for longer periods. By merging real and fabricated information, it becomes a monumental task to identify these fraudulent activities, often allowing criminals to continue to exploit the financial systems.

Their aim is to create a convincing identity that fools creditors, like banks and credit card companies, into extending loans and credit which are eventually defaulted on.

How Synthetic Identity Theft Works

1.   Gather Initial Information

The synthetic identity theft process begins with the acquisition of your personal details. Perpetrators may use various tactics such as phishing emails, which are designed to look like they come from trustworthy institutions, to lure you into revealing your data.

They can also hack into databases where your details might be stored — these can be databases of online retailers, healthcare providers, or even educational institutions. Some criminals might even resort to old-school methods like dumpster diving, where they scavenge for discarded documents that may contain your personal details.

2.   Craft the Synthetic Identity

After obtaining the necessary information, criminals enter the next phase which involves the careful blending of real and fake data.

This composite identity may use your Social Security number paired with a fictitious name, a different address, and even an altered date of birth. The aim here is to make this synthetic identity as realistic as possible while minimizing the risk of quick detection.

3.   Build Financial Credibility

Once the synthetic identity has been crafted, it’s time to give it financial life. Initially, criminals may apply for credit cards or smaller loans.

While these applications often get denied due to the lack of a credit history, they serve a hidden agenda: establishing a credit profile with credit bureaus. This initial interaction with the financial system is usually enough to create a thin credit file, helping give the synthetic identity some semblance of financial existence.

4.   Exploit Legitimate Accounts

With the credit profile set up, the fraudsters move to the next stage, “piggybacking.” This involves unauthorized association with existing, good-standing credit accounts.

They add the synthetic identity as an authorized user, thereby absorbing some of the primary account holder’s good credit attributes. This process can rapidly inflate the creditworthiness of the synthetic identity, helping make it appear more legitimate to creditors.

5.   Achieve the End Game

After successfully piggybacking and possibly obtaining small loans or credit lines, which they pay off diligently, the synthetic identity’s credit score begins to rise. Criminals may take this as a cue to aim higher, seeking out larger loans and more substantial lines of credit.

Once a significant credit limit is approved, they often max out the credit lines or withdraw large loan amounts, only to disappear, leaving the financial institution with losses and the real individuals whose details were stolen with a mess to clean up.

Synthetic vs. Traditional Identity Theft

The Intricacies of Synthetic Identity Theft

Synthetic identity theft involves a mix of real and made-up information, resulting in a new, distinct identity that can often bypass standard fraud detection measures. This makes it a long-term play for criminals.

The more they nurture this synthetic identity, the more complex and extensive the fraud can become. Because of the merged details, tracing these activities back to a single individual can become increasingly complicated, often allowing the criminals to evade capture for extended periods.

The Simplicity of Traditional Identity Theft

In contrast, traditional identity theft is typically relatively straightforward. Criminals steal an individual’s entire identity, often using it to make large purchases or withdraw funds as quickly as possible.

They aim to maximize their ill-gotten gains before the victim realizes what has happened and acts to stop further fraud. This immediacy often makes traditional identity theft easier to detect, but it can still be devastating for the victim.

Detecting Synthetic Identity Theft

Detecting synthetic identity theft can be challenging because the criminals are not merely hacking accounts but creating a façade of legitimate financial behavior. They typically nurture these fabricated identities by responsibly using the fraudulent account, making it appear as if a real person is just experiencing financial difficulties.

Children are particularly vulnerable targets for synthetic identity theft as they likely won’t be checking their credit reports for years, leaving ample time for criminals to exploit their Social Security numbers.

How to Help Protect Yourself Against Synthetic Identity Theft

Given its elusive nature and devastating impact, defending against synthetic identity theft often requires a more nuanced approach than traditional identity theft prevention. Here are some targeted strategies:

Protect your SSN

Your Social Security number is a golden ticket for fraudsters. In most cases, you should not carry your Social Security card with you. If you must disclose your SSN, make sure you’re in a private setting and try not to repeat it aloud within earshot of others.

Remember to discard documents containing your SSN carefully — shred them or black out the information.

Use Security Software

Deploy a multi-layered security software suite that provides comprehensive digital protection. Opt for a solution that offers real-time monitoring, identity theft insurance, and alerts for crimes committed in your name.

Understand Vulnerabilities

Knowledge is your first line of defense. Make it a point to understand the tactics fraudsters employ to steal your personal information. Once you know their tricks, you may be less likely to fall for them.

Monitor Your Credit

Regularly review your credit report for unauthorized activities. IdentityIQ identity and credit monitoring offers synthetic identity theft protection, alerting you to suspicious activities that could suggest your information is being used to create a synthetic identity

FAQs

What are the warning signs of synthetic identity theft?

Indicators of synthetic identity theft may include receiving unexpected bills, uninitiated credit inquiries, or accounts you did not open appearing on your credit report. You might also receive calls or letters from debt collectors about debts that aren’t yours.

Who’s most at risk of synthetic identity theft?

Anyone can fall victim to this form of identity theft, but certain groups are more vulnerable. This includes children, whose credit histories are clean slates, and the elderly, who may not be as digitally savvy. Others at high risk include individuals with limited or poor credit histories, military personnel, prison inmates, victims of data breaches, and those with high social activity or public records.

What can happen if you become a victim of synthetic identity theft?

• Financial Damage: Scammers can open accounts in your name, racking up debt and negatively impacting your credit score.
• Difficulty Borrowing: Your ability to secure loans and credit cards may diminish due to poor credit history.
• Emotional Distress: Dealing with the fallout of identity theft can be stressful and anxiety-inducing.

What is an example of synthetic identity theft?

• A thief steals a child’s unused Social Security number and creates a fake identity with a fictitious name and address. They use this identity to open credit cards and make purchases, leaving the child with a mountain of debt and a tarnished credit history.
• A criminal obtains deceased individuals’ personal information and combines it with fabricated details to create new identities for themselves or others. They then use these fabricated identities to apply for benefits, commit tax fraud, or even obtain employment.

What are some warning signs of synthetic identity theft?

• You receive credit reports or bills for accounts you never opened.
• You see sudden unexplained changes in your credit score.
• You are denied credit or loans for seemingly no reason.
• You receive collections notices for debts you don’t recognize.
• You see unfamiliar addresses or phone numbers listed on your credit report.

Key Takeaways and More Ways to Stay Protected

1. Secure Your Social Security Number: Do not share it or leave it open on computers, cell phones, or tablets.
2. Beware of Phishing Attempts: Be cautious of phishing attempts that may be aimed at tricking you into sharing your personal information.
3. Freeze Your Credit Reports: If you feel you are being targeted with a synthetic identity theft scam, freezing your credit reports can help protect you. This action can help stop potential scammers from opening accounts in your name.
4. Monitor Your Personal Information: Monitor your personal information with IdentityIQ identity theft protection services so you can be alerted if it falls into the wrong hands.
5. Opt-Out of People Search Sites: Remove your name from people finder sites to help keep your identity protected.

Bottom Line

Synthetic identity theft is an evolving and dangerous threat that can wreak havoc on your financial well-being and peace of mind. Taking proactive steps is more important than ever, and that’s where IdentityIQ services offer significant value.

The comprehensive platform not only provides credit monitoring in real-time, but also alerts you to threats to your personal information. The IdentityIQ robust suite of features are designed to help protect you and your family against various forms of identity theft.

Signing up for IdentityIQ is a quick, straightforward (and affordable!) process. If possible suspicious activity is detected once you’re under the protection of IdentityIQ, you are alerted in real-time, empowering you to act swiftly.

Every click, search, and interaction online contributes to your digital footprint – an intricate trail of data that encapsulates your digital identity. While the digital landscape offers unprecedented convenience and connectivity, it also presents many risks. From the potential threat of identity theft to the impact on professional and personal reputations, protecting our digital footprints has never been more essential. This guide explores how to help protect your digital footprint, unpacks its significance, and delves into ways to proactively secure and manage it.

What Is a Digital Footprint?

Your digital footprint is the trail of data you leave behind when you use the internet and digital devices. It describes the sum of your online activities, from social media interactions to website visits and online transactions. This provides a glimpse into your online identity and can include personal information, search engine queries, and shared content. It’s the mark you leave in the digital landscape, reflecting how you navigate and engage with the online world.

Understanding the significance of your digital footprint is crucial in taking proactive steps to safeguard your sensitive information and protect your digital presence. Protecting your digital footprint can help you keep your personal information and online activities private, which can be important for helping prevent identity theft, avoid targeted advertising, and maintain control over your online reputation.

6 Ways to Help Protect Your Digital Footprint

1. Be Mindful of Your Online Accounts

Your online accounts are key access points to your digital identity. It’s essential to adopt a proactive approach to safeguarding them. Begin by cleaning up old accounts. Close or delete outdated email addresses, social media accounts, and online services you no longer use. Dormant accounts make you more vulnerable to potential hacks, exposing your personal information.

Strengthen your defenses by creating unique and complex passwords for each account. Consider employing a password manager to organize and track them securely. Whenever possible, it is best to add an extra layer of protection by enabling two-factor authentication. This creates an extra security buffer if your password is compromised.

Regularly reviewing and adjusting privacy settings is another crucial aspect of account mindfulness. Check the privacy configurations on your social media accounts and online services, tailoring them to limit publicly visible information. Be discerning about the permissions granted to apps and websites. This proactive approach helps ensure you have greater control over who accesses your personal data, reducing the risk of unauthorized exposure.

2. Think Before You Share

Always consider the potential consequences of any online activity. Avoid divulging personal information such as your address, phone number, or geo-location on social media or public forums. Be cautious about sharing photos and videos that could unveil too much about your life, providing potential access points for identity thieves and those with malicious intent.

Be discerning about who you connect with and the information you share with them, especially when dealing with strangers or acquaintances. Anonymity can be an ally in certain online activities. Consider using pseudonyms in forums or comment sections where it’s best to preserve your identity.

3. Secure Your Devices

To help secure your digital footprint, you must secure the devices you use to access the internet. Regularly updating your operating systems, browsers, and applications is critical. These updates often include essential security patches that address vulnerabilities, helping to defend you against potential exploits by hackers.

Be extra cautious if you choose to use public Wi-Fi, especially for sensitive activities like online banking or entering personal information. If you find it necessary to use public Wi-Fi, it is always best to use a Virtual Private Network (VPN) to encrypt your connection, enhancing your data’s confidentiality.

Installing and regularly updating reputable anti-virus and anti-malware software are essential in defending against malicious software. IdentityIQ identity theft protection services  offer anti-virus and anti-malware solutions, providing an additional layer of protection for your devices. These measures create a robust defense system, reducing the risk of unauthorized access and potential compromise of your sensitive data.

4. Control Your Data Trail

Be mindful of the trail of data you leave behind in order to take charge of your online presence. Many websites and services allow you to opt out of their data collection procedures. Read privacy policies carefully and exercise your right to control your data where possible. You can limit the use of cookies and trackers that follow your online activity across websites through browser extensions or privacy settings.

Data brokers can contribute significantly to your digital footprint by aggregating and selling personal information. Consider using services that help you remove your personal information from data broker websites, empowering you to reclaim control over your online identity. This proactive stance enhances your privacy and reduces the likelihood of your data being exploited.

5. Stay Educated

Digital security is constantly evolving, and staying informed is your first line of defense. Keeping up with digital security news through sources such as IdentityIQ blogs helps ensure you are aware of current online threats and best security practices. Regularly educating yourself empowers you to adapt to emerging challenges and reinforces your ability to protect your digital footprint.

Being skeptical of online scams is another critical aspect of staying educated. Phishing emails, social media scams, and various online schemes target those who are overly trusting of online sources. A healthy dose of skepticism can help you become more proficient at recognizing and avoiding these potential threats.

Periodically reviewing your digital footprint helps you proactively stay educated. By reviewing your online presence, adjusting settings, and ensuring privacy controls, you actively contribute to the ongoing protection of your digital identity.

6. Monitor Your Identity

Monitoring your identity is a proactive approach to securing your digital footprint. IdentityIQ offers identity theft protection services to provide comprehensive defense against potential threats. IdentityIQ monitors your credit reports and the internet and dark web around the clock, notifying you of possible suspicious activities in real time. This empowers you to take swift action against any identity-related concerns. IdentityIQ also provides reassurance for you and your family with identity theft insurance policies of up to $1 million, underwritten by AIG, to help protect you if your identity is stolen.

In a digital landscape where identity theft is an ever-present concern, having a dedicated service to monitor your identity adds an extra layer of security. IdentityIQ identity theft protection services help you gain peace of mind, knowing that your digital identity is actively protected against potential threats.

Bottom Line

In the online world, helping protect your digital footprint is not just a matter of personal privacy but a crucial defense against potential cyber threats. A conscientious approach to protecting your online identity involves a combination of mindful practices, staying informed, and leveraging advanced security solutions. Protecting your digital footprint not only help reduce the risk of identity theft, phishing attacks, and privacy breaches but also contributes to a safer online environment for all.

IdentityIQ gives you a comprehensive approach to online safety, helping protect you from various approaches cybercriminals use to try to steal your identity. With identity theft protection services offering real-time monitoring, advanced security measures, and more, IdentityIQ plans provides unmatched peace of mind.

The internet is made of up three parts: the surface web, the deep web, and the dark web. There are key characteristics that distinguish each part, but the differences are often poorly understood – especially when it comes to the connection with cybercrime. Here’s the difference between the surface web, the deep web, and the dark web, and what you need to know to help protect yourself online.

What Is the Surface Web?

The surface web is the public part of the internet. These sites are indexed by search engines such as Google and can be visited by anyone with an internet connection. When you’re looking at public websites that aren’t hidden behind a login, you are on the surface web.

What Is the Deep Web?

The deep web is part of the internet that is not indexed by search engines, which means you can’t find it by searching online. The content on the deep web can only be found using specific tools or websites.

Any time you visit content that requires a direct URL address or login to access, you are visiting the deep web.

Examples of the deep web include:

• Your private email account
• Your online bank account
• Your streaming accounts (such as Netflix or Hulu)
• Your personal social media accounts
• Paid content such as news subscriptions
• Pages not linked to by other pages that require the exact URL to access

You probably access the deep web all the time in your daily life. Deep web pages are simply made up of online content that can’t be found publicly and require special access to visit.

What Is the Dark Web?

The dark web is another part of the internet that cannot be found using search engines, but it also can’t be located using a standard web browser. It requires an anonymous browser to access, and encryption tools make it possible for websites to hide the identity of their creators and users.

There are many legitimate uses of the dark web, but its anonymity also makes it the perfect location for illegal activity.

Some uses for the dark web include:

• Illegal marketplaces that sell drugs, weapons, and other types of contraband.
• Marketplaces and forums that sell or leak consumer’s private information stolen via data breaches or social engineering. This information can be used for fraud and identity theft.
• Hacking forums and websites that provide tools and information needed to carry out cyber-attacks.
• Forums and websites used to organize other illegal activities including fraud, illegal pornography, and terrorism.
• Information and communications sites used by journalists, human rights activists and political dissidents who work in countries that are hostile to free speech.
• Free access to academic research.

Surface Web vs. Deep Web vs. Dark Web – Differences Explained

There are two major differences between the three parts of the internet: their size and accessibility.

Size

Each part of the internet differs in size:

• The surface web. If the internet is an iceberg, the surface web is only the part that sticks out of the water. This public part of the internet is just a fraction of the entire thing.
• The deep web. The largest part of the internet by far, the deep web lies below the surface and consists of the content that you need special access to find.
• The dark web. The dark web is the bottom part of the iceberg that descends into the depths of the ocean. Its inaccessibility makes it difficult to measure, but it is likely a small portion of the internet.

Accessibility

Each part of the internet also differs in accessibility:

• The surface web. This public part of the internet can easily be accessed by anyone with an internet connection.
• The deep web. This part of the internet requires special access, such as a private account login or a private link shared with the user.
• The dark web. Only users with an anonymous browser can access the dark web.

Risks of Accessing the Surface Web, Deep Web, and Dark Web

No matter if you’re on the surface web, deep web, or dark web, there are risks associated with getting online. Threats include malware, ransomware, data breaches, and phishing scams.

How to Help Keep Your Information Safe Online

Criminals may target your personal information to commit fraud, identity theft and other scams.

Here are some tips to help keep your information safe:

• Use strong and unique passwords for your online accounts.
• Enable multi-factor authentication on your accounts for an additional level of security.
• Use virtual private networks (VPNs) and anti-virus software to maintain privacy, anonymity and security online.
• Avoid clicking links, downloading attachments, and taking other actions on information received from unverified sources.
• Never give out your personal information online or share personal details on social media.

Bottom Line

No matter where you find yourself online, it’s important to take steps to help protect yourself and your personal information. To help keep you safe, IdentityIQ provides identity protection and credit monitoring services, including dark web scans that look for your personal information across thousands of sites on the dark web.

Deep Web vs. Dark Web FAQs

Is the deep web safer than the dark web?

The deep web may be safer than the dark web because it is harder for criminals to gain unauthorized access. However, the deep web is a popular target for criminals because of the valuable information it contains.

Can law enforcement track the dark web?

Law enforcement does track the dark web to look for criminal activity.

Which is bigger, the dark web or the deep web?

The deep web makes up the majority of the internet by a large margin.

This past year has been an eye-opening year in the realm of digital security. Data breaches reached an all-time high, leaving a trail of identity theft cases. From corporate giants to public hospitals, cybercriminal activity has continued to snowball across several industries. This has left victims scrambling to understand the extent of the damage and how to help protect themselves against the evolving threat of identity theft.

Here, we review the largest data breaches of 2023, analyze the trends, and review proactive measures to navigate the future of security.

The Breach Landscape in 2023

The Identity Theft Resource Center (ITRC) reported that, in September, data breaches had already surpassed the previous record-high by 14%, with 733 total compromises affecting more than 66 million victims. As the year comes to an end, the total number of breaches is set to completely overshadow the previous annual high set in 2021.

The methods used by cybercriminals in 2023 varied with cyberattacks, physical attacks, and system errors targeting everything from critical infrastructure to manufacturing to healthcare databases. Businesses faced constant threats with phishing scams, malware, and other tactics. But the numbers alone tell only part of the story.

Behind the statistics, a disturbing trend emerged: data theft and extortion-only attacks rose sharply. Hackers shifted their focus from encrypting files and demanding ransoms to simply stealing sensitive information and threatening to expose it, leaving victims with the crippling choice of financial ruin or possible public humiliation. This signals a new era of cybercrime where private data becomes prized currency, putting every email address and credit card number at risk.

Major Breaches of 2023

• Casino operator attacks: Casino giants MGM and Caesars were hit by disruptive cyberattacks in September involving concerning tactics such as social engineering. But even more alarming was the reported collaboration behind the attacks: a teen hacker group called Scattered Spider allegedly partnered with the Russian ransomware gang Alphv. This alliance, with young Western hackers using ransomware provided by a notorious Eastern European group, expands the cybercrime landscape in worrying ways. The incident highlights the increasing sophistication and diversity of cyber threats, pushing the boundaries of existing security systems.
• Microsoft Cloud Email Breach: A major Microsoft cloud email breach affected U.S. government officials, including Commerce Secretary Gina Raimondo and Ambassador to China Nicholas Burns. Hackers accessed emails from the State Department and Commerce Department, potentially due to flaws in Microsoft’s Azure Active Directory security system. Senator Wyden and security experts criticized Microsoft’s practices, and an investigation is ongoing. Microsoft later revealed further vulnerabilities exploited by the China-linked “Storm-0558” group involving a stolen key stored from a 2021 system crash. This breach highlights concerns about security in cloud email systems and the potential for government officials’ communications to be compromised.
• Barracuda Email Security Gateway Attacks: A critical vulnerability in Barracuda’s Email Security Gateway was exploited by cybercriminals, potentially impacting 5% of devices. The attackers targeted government agencies, particularly in the United States. Barracuda strongly advised affected customers to replace their devices due to the severity of the exploit. This incident highlights the necessity of patching security vulnerabilities and replacing compromised equipment.

Consequences and Concerns

The record-breaking number of breaches this year has left the victims to navigate the financial and emotional damage of stolen credit cards, drained bank accounts, and shattered credit scores. But the ramifications extend far beyond individual suffering. Breaches cripple businesses, harming their reputations as well as their finances.

Protecting yourself from the damages of data breaches and identity theft is paramount. IdentityIQ identity theft protection offers top-of-the-line security through a complete suite of safety features, such as 24/7 credit monitoring and fraud alerts, identity theft insurance of up to $1 million underwritten by AIG, full access to a VPN and antivirus software on multiple devices, and more. IdentityIQ is a top choice for protecting you and your family.

Bottom Line

This past year hosted eye-opening data breaches and identity theft incidents. Rampant data breaches jeopardized personal and corporate security alike. The evolving tactics of cybercriminals, from ransomware to data theft and extortion, demonstrate the urgency of fortifying personal information. While the statistics paint a grim picture, proactive measures can still help to protect finances and private information. By prioritizing safety best practices such as regular software updates, exercising caution online, and employing a robust identity theft protection service, you can help be less susceptible to digital threats.

IdentityIQ comprehensive protection continues to become a preferred choice by those seeking safety for themselves and their families. With features to educate you on personal safety, services to help prevent identity theft and data breaches, and complete support to help you recover in the case of identity theft, IdentityIQ can help you remain safe and worry-free.

In today’s digital world, safeguarding your identity is paramount. With the ever-increasing threat of data breaches and identity theft, it’s crucial to take proactive steps to protect your personal information and financial well-being. One powerful tool in your arsenal is credit monitoring. But how does credit monitoring protect you from identity theft?

This comprehensive service provides valuable insights into your credit history and alerts you to possible suspicious activity, empowering you to take swift action against potential threats. Whether you’re proactively guarding against identity theft or simply seeking to build financial confidence, credit monitoring can offer a safety net and peace of mind.

What is Credit Monitoring?

Credit monitoring is your around-the-clock guardian in the world of personal finance, constantly tracking your credit reports and scores and alerting you to potential problems. This keeps you informed about your creditworthiness, empowers you to make informed financial decisions, and plays a crucial role in safeguarding your identity.

Credit monitoring involves regularly checking your credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. These reports detail your credit history, including your payment history, credit utilization, and inquiries. Understanding the information in these reports gives you a comprehensive understanding of your financial health and creditworthiness.

Credit monitoring goes beyond simply presenting your credit reports. It analyzes the data and identifies suspicious activity, such as new inquiries you didn’t initiate, unauthorized account openings, or changes in your credit score. By receiving these timely alerts, you can take immediate action to protect your identity and prevent financial losses.

How Does Credit Monitoring Help Protect You From Identity Theft?

Early Detection of Suspicious Activities

With credit monitoring, your credit reports and scores are constantly being scanned for signs of potential identity theft. Credit monitoring services meticulously analyze your credit reports, searching for unusual patterns or red flags that might indicate unauthorized activity.

One of the vital ways credit monitoring protects you is by identifying early signs of malicious activity, such as new account openings. If a thief steals your information and uses it to open new credit cards or loans in your name, a credit monitoring system detects it and alerts you in real time. This early notification empowers you to take swift action, such as contacting the credit bureaus to dispute the fraudulent accounts and helping prevent further damage.

Credit monitoring goes beyond simply detecting new accounts. It also monitors changes in your existing credit lines, such as increased credit utilization or sudden changes in your credit score. These unexpected fluctuations can indicate identity theft and serve as a vital warning sign, prompting you to investigate further and take necessary precautions to help protect your financial well-being.

Real-Time Alerts

In the fight against identity theft, time is of the essence. Every minute wasted can allow thieves to do more damage to your financial life. This is where the power of real-time alerts shines through. Leading credit monitoring services such as IdentityIQ credit report monitoring services provide immediate notifications through various channels, helping ensure you stay informed and can act swiftly against potential threats.

Real-time notifications empower you to react immediately, allowing you to contact credit bureaus, creditors, and authorities to report suspicious activity and minimize potential damage.

IdentityIQ takes real-time alerts to the next level. Through the user-friendly mobile app, you can receive instant notifications, view detailed reports, and manage your account effortlessly. IdentityIQ also sends real-time alerts to your phone and email in the event of any suspicious activity. This constant access to critical information empowers you to stay ahead of potential threats and proactively protect your financial well-being.

Real-time alerts solidify credit monitoring as an essential security feature for anyone’s finances. Constant credit monitoring ensures you’re constantly informed and empowered to act quickly against any attempts to compromise your financial security.

What’s the Difference Between Credit Monitoring and Identity Theft Protection Services?

While credit monitoring offers a valuable layer of protection, it’s only one piece of a holistic approach to identity theft protection. Credit monitoring helps to keep you informed and on top of your credit, as identity theft protection refers to the full-rounded approach to safety, built up of a variety of safety tools and techniques.

IdentityIQ identity theft protection plans offers leading identity theft protection services. With IdentityIQ, you gain access to a comprehensive suite of protection services, including 24/7 credit monitoring. This includes:

• Internet and dark web monitoring: IdentityIQ constantly scans the internet and dark web for traces of your personal information, helping ensure it remains out of reach of cybercriminals.
• VPN and antivirus software: Your devices stay protected with full access to a secure virtual private network (VPN) and antivirus software.
•  Data breach notifications: Receive real-time alerts if your personal information is compromised in a data breach, allowing you to take necessary precautions.
• Identity theft insurance of up to $1 million: In the unfortunate event that you fall victim to identity theft, IdentityIQ provides insurance coverage, with reimbursement of up to $1 million, underwritten by AIG.

By choosing IdentityIQ, you and your family gain access to a robust and proactive approach to identity theft protection. It goes beyond simply monitoring your credit reports, actively safeguarding your online identity and equipping you with the tools and resources necessary to navigate the digital world with confidence and peace of mind.

How to Choose the Right Credit Monitoring Service

Navigating the vast landscape of credit monitoring services can feel overwhelming. With so many options available, it’s crucial to consider the key factors to find the perfect fit for your needs. Here are some important factors to take into account.

1. Coverage and Monitoring Frequency:

• Which credit bureaus does the service monitor? Aiming for coverage across all three major bureaus – Equifax, Experian, and TransUnion – provides the most comprehensive protection.
• How often are your credit reports and scores updated? Frequent updates ensure you stay informed about changes in real time.

2. Cost and Pricing Models:

• Compare pricing plans and features across different services. Choose a plan with a price that matches your budget and offers your desired level of protection.
• Look for introductory offers or discounts to maximize your savings.

3. Additional Features:

• Go beyond credit monitoring and consider identity theft protection services. Look for features such as dark web monitoring, identity theft insurance, and data breach notifications.
• Consider services that provide tools to help you improve your credit.
• Evaluate how easy it is to use the platform and how accessible its features are. Choose a service with a user-friendly interface and convenient mobile app access.

4. Trust and Reputation:

• Research the credit monitoring service’s reputation. Opt for companies with established track records and positive customer reviews.
• Look for services that comply with industry standards and offer data security safeguards.

IdentityIQ stands out as the leading identity theft protection option. With around-the-clock credit monitoring and alerts, robust identity theft protection features, and a user-friendly platform and mobile app, IdentityIQ members are empowered to take control of their financial security and enjoy peace of mind.

Bottom Line

In today’s digital world, safeguarding your identity and financial well-being is paramount. By embracing the power of credit monitoring and comprehensive identity theft protection services such as IdentityIQ, you can equip yourself with the tools and knowledge necessary to navigate the ever-evolving landscape of financial threats and build a secure future.

IdentityIQ goes beyond simply monitoring your credit reports. It actively helps safeguard your identity, provide real-time alerts, and empowers you to take swift action against potential threats. So, take the first step towards financial peace of mind and explore the comprehensive solutions offered by IdentityIQ. Protect your identity, build financial confidence, and unlock a future free of worry.

Apple’s recent iOS17 update introduced NameDrop, enabling users to exchange contact information quickly and easily. While this feature offers unmatched convenience, it also has raised some safety concerns. Here is what you need to know about Apple’s NameDrop iOS17 feature.

What Is Apple NameDrop?

Apple’s NameDrop feature simplifies the exchange of contact information among Apple device users with an iPhone or Apple Watch running iOS 17. This quick and convenient method allows you to share your contact details simply by bringing your iPhone or Apple Watch close to another person’s device.

How To Use NameDrop and How It Works

Any iPhone or Apple Watch running iOS 17 has NameDrop enabled by default. NameDrop is compatible with iPhones and Apple Watches and only shares new contact information without updating existing contacts. Here’s how it works:

• To share from your iPhone, hold the top of it within a few centimeters from the top of the other person’s iPhone or Apple Watch. Or, to share from your Apple Watch, open the Contacts app, tap your picture, select “Share,” and bring your watch close to the other person’s Apple Watch.
• A glow and vibration on your device indicate that a connection is being established. Continue holding your devices close until NameDrop appears on both screens.
• Your screen will display an option to share your information and receive the other person’s information. You also can choose to receive the other person’s contact card without sharing yours.
• To cancel, move the devices apart or lock your iPhone before the transfer is completed.

Is NameDrop a Security Risk?

There have been concerns raised about the security of NameDrop. Even some police departments have warned that the new feature could create opportunities for identity thieves. However, the risk might not be as severe as it seems. NameDrop’s proximity requirement and notification features add a layer of protection, making you less susceptible to unnoticed information theft. Regardless, whether to use NameDrop is a personal judgment call, and it is always best to prioritize your safety.

What Information Does NameDrop Share?

NameDrop shares all information on your device’s contact card. This can include your name, phone number, email address, home address, work address, birthday, a picture of your face, and even more.

What Can Cyber Criminals Do With That Information?

NameDrop can pose a security risk. While NameDrop’s proximity requirement and notification features add a layer of protection, it is always best to prioritize your safety. NameDrop shares all information on your device’s contact card. This can include your name, phone number, email address, home address, work address, birthday, a picture of your face, and even more. The more information cyber criminals gain access to, the more harm they can cause you and your finances.

How To Turn Off NameDrop

If you decide NameDrop isn’t for you, or you want to go the extra mile to protect your personal information, you will need to go into your device settings to deactivate it. Here’s how to turn off NameDrop:

1. Go to Settings.
2. Navigate to General.
3. Select “AirDrop.”
4. Switch the “Bringing Devices Together” setting to OFF.

Parents, if you decide to deactivate NameDrop on your device, please remember to also do so on your child’s devices to ensure their safety.

Bottom Line

In summary, Apple’s NameDrop is a handy tool for seamless contact sharing among Apple users. However, given the security considerations, it’s crucial to make an informed decision based on your preferences. If you choose to use NameDrop, do so cautiously. Always prioritize your privacy, and don’t hesitate to turn it off if you feel uncomfortable with the feature.

The holiday shopping season is quickly approaching and will be gone before you know it. So, it’s time to start checking off that gift list! Online holiday shopping brings game-changing convenience to busy shoppers, but without the proper safety best practices, online shoppers can be vulnerable to hackers, identity theft, and all other kinds of scams. Here are five crucial holiday online shopping safety tips and answers to common questions that will get you ready for a safe shopping season.

5 Holiday Online Shopping Safety Tips

1. Use Secure Websites (for Santa-Approved Shopping)

When hunting for those perfect holiday deals, it’s essential to make sure you’re practicing safe internet browsing by shopping on secure websites. Here’s what you need to do:

• Check for HTTPS and a padlock symbol in the website’s URL: Secure websites have URLs that start with “https://” and typically display a padlock symbol in the address bar. This indicates that your connection is encrypted, making it harder for cybercriminals to intercept your data.
• Shop from reputable and well-known online retailers: Stick with the big names or trusted online stores. If you don’t recognize an online store, it’s best to avoid it. While lesser-known shops might have great deals, they also present a higher risk of scams.
• Avoid suspicious websites with deals that seem too good to be true: If a deal looks too good to be true, it probably is. Be cautious of websites that promise extravagant discounts, as they may be phishing scams or counterfeit sites.

2. Monitor Your Financial Accounts

Keeping an eye on your financial accounts is a fundamental part of online shopping safety. Follow these steps:

• Regularly review your credit card and bank statements for charges you don’t recognize: Check your statements for unusual or unauthorized transactions. The quicker you spot a problem, the easier it is to resolve.
• Set up transaction alerts to receive notifications for unusual activity: Most financial institutions offer the option to set up transaction alerts. These notifications can help you catch suspicious transactions early.
• Report possible suspicious transactions to your financial institution promptly: If you suspect any fraudulent activity on your accounts, immediately contact your bank or credit card company to report the issue and initiate an investigation.

Use IdentityIQ identity theft protection and credit monitoring: IdentityIQ credit report monitoring alerts you when possible suspicious activity is detected.

3. Avoid Grinchy Phishing Scams

Phishing scams are the Grinches of the online shopping world. Help protect yourself from their sneaky tricks with these steps:

• Be cautious of unsolicited emails asking for personal or financial information: Scammers often send emails pretending to be from trusted sources, requesting your sensitive information. Don’t fall for it.
• Verify the sender’s identity if you receive a suspicious email: If you receive an email that seems suspicious, double-check the sender’s email address and be wary of any generic greetings or urgent requests for personal information.
• Do not click links or download attachments from unknown sources: Clicking links or downloading attachments from suspicious sources can lead to malware or phishing attempts. When in doubt, don’t click!

4. Be Careful How You Pay

Help protect your financial information during online shopping also means being cautious about how you pay. Here’s how:

Use secure payment methods like credit cards or digital wallets: These offer an added layer of protection. Credit cards often provide buyer’s insurance.

• Avoid sharing sensitive information via email or on unsecured websites: Never send your credit card or personal information through email or unsecured websites. Reputable online stores can provide secure payment options during checkout.
• Look for secure payment icons on the online store’s checkout page: Trustworthy online retailers display secure payment icons during the checkout process, ensuring your payment information is well-protected.

5. Jingle All the Way Away from Public Wi-Fi

Public Wi-Fi can be a Grinch’s paradise for cybercriminals. Here’s how to stay secure:

• Avoid making online purchases on public Wi-Fi networks, which may not be secure: Public Wi-Fi networks are often unsecured, making your data vulnerable. Avoid shopping on public Wi-Fi whenever you can.
• Consider using a Virtual Private Network (VPN) to encrypt your connection while shopping on the go: A VPN adds a layer of security by encrypting your internet connection. It’s a useful tool when shopping from less secure networks.
• If you must use public Wi-Fi, limit your activity to browsing and wait to make purchases on a secure network: If you’re out and about, you can still browse products on public Wi-Fi but wait until you’re on a secure network to complete your purchase.

Holiday Online Shopping Safety Tips FAQs

What is holiday online shopping safety, and why is it important?

Holiday online shopping safety refers to taking precautions and following best practices to help protect your personal and financial information while shopping online during the holiday season. It’s crucial to ensure your sensitive data is secure and prevent falling victim to scams or cyberattacks.

How can I identify phishing emails and websites?

Watch for misspelled URLs, generic greetings, urgent requests for personal information, and email addresses that seem suspicious. You should never click on links or download attachments from unknown sources. If anything seems suspicious, you should verify the sender’s identity by contacting the company they claim to represent directly.

Are there secure payment methods I should use for online shopping?

Use reputable and secure payment methods like credit cards or digital wallets. Avoid sharing sensitive information via email or on unsecured websites. Check for secure payment icons on the checkout page.

Is it safe to shop on public Wi-Fi networks during the holidays?

Shopping on public Wi-Fi networks is generally not recommended because they are much more vulnerable to hackers. If you need to make a purchase while on the go, consider using a Virtual Private Network (VPN) to encrypt your connection for added security.

What should I do if I suspect a fraudulent charge on my account?

Immediately contact your bank or credit card company to report the unauthorized charge. They can help you dispute the charge and secure your account. Changing your passwords and reviewing your online security settings as soon as possible is also crucial.

How can I stay informed about the latest online shopping safety practices?

Stay updated by following reputable cybersecurity blogs, news outlets, and official websites of online security organizations. Regularly check for security updates on your devices and software.

What do I do if I’ve fallen victim to an online shopping scam during the holidays?

Immediately contact your financial institution to report any unauthorized transactions. Also, report the incident to your local law enforcement and file a complaint with the Federal Trade Commission (FTC) or a similar agency in your country.

Bottom Line

As the holidays approach, hackers and identity thieves are gearing up to take advantage of the shopping season, especially online. This is why it is critical that you consider these tips before you begin online holiday shopping. For extra assurance, you can find complete security with IdentityIQ, the comprehensive identity theft and credit protection service with a variety of features designed for your financial well-being. IdentityIQ well-rounded protection gives you the peace of mind you deserve this holiday season.