Identity Fraud – How to Protect Yourself

By 1st Lt. Rob McKendry, Fort Bliss Legal Assistance Office 

With recent increases in technological advances, technology-related threats have also risen. While ID theft may not be a modern concept, technology has made it easier for criminals to access sensitive information. Scammers can gain access to personal information via phishing, hacking sensitive information such as bank account info, or stealing passwords to online accounts.

To avoid these issues, there are some simple steps you can take. First, be wary of replying to any emails with sensitive information without prior verification. Many phishers will employ tactics such as sending emails using names similar to big commercial brands or the names of people close to you. For that reason, it is important to look for discrepancies in email usernames. Another means of protection is using a variety of passwords. Many people now have many different accounts ranging from various social media platforms to bank accounts. Using the same password for all accounts is dangerous because if a scammer can get access to one platform it may mean they can access much more if the same password is used throughout.

While protecting the integrity of your technology is important, it is important to ensure that you are still safe from more “old school” techniques identity thieves may use. Whether it be stealing your wallet or accessing your physical mail and documentation, gaining access to this information can allow these thieves to cause a great deal of harm. For this reason, it is important to make sure your belongings are always secure and be wary of throwing out documents that may hold sensitive information. The best means of disposing documentation or mail would be shredding to ensure all information is destroyed.

It is also important to be wary of giving a general power of attorney to someone you cannot absolutely trust. Giving this level of power is a risk since it allows an individual a wide range of access to your information. Instead, if you require a power of attorney, a special power of attorney for specific issues would provide much greater protection of your sensitive personal information.

In addition, service members are afforded certain protections under the Servicemembers Civil Relief Act that may help to protect their personal information. The Act allows service members to be even more vigilant by signing up for “active-duty alerts,” which would require a creditor to perform a more thorough check when anyone tries using a service member’s credit line. Given how often service members are deployed to locations without access to their phone or other technology, this right is especially beneficial to prevent any scammers from taking advantage while the service member is away.

For military retirees, it is important to note that CAC cards have now moved to using a designated DOD identification number, rather than a social security number. It is important for retirees who still have an old-style CAC to get a new one to avoid giving potential thieves access to their social security number if their card is misplaced or stolen.

To speak to an attorney on this subject, or any other topic, please schedule an appointment with the Fort Bliss Legal Assistance Office. Appointments may be made via email at usarmy.bliss.hqda-otjag.mesg.bliss-legal-assistance-office@army.mil, or via phone at (915) 568-7141 during business hours.