Personal financing has become really simple thanks to online personal loan lenders. These lenders provide easy online qualification and simple hassle-free applications for obtaining the funds that you need. However, there are certain precautions that need to be taken when one applies online for a loan or when submitting personal information to obtain loan quotes from different lenders. Otherwise, you may be a victim of identity theft or online scams.
Avoiding Identity Theft By Keeping Your Data Safe
Identity theft is a modern hazard that seems to have come to stay. Everyday, hundreds of Americans are victims of this crime and frauds related to the practice. Therefore no precaution is enough when it comes to protecting yourself against these perils. You need to keep your information safe and to do so you should avoid typing your personal information on sites that you do not trust and know to be legitimate.
A good place to check whether a site is trustworthy or not is your local better business bureau. But bear in mind that not all sites are listed on their records (especially new ones). Therefore, it is also advisable to search on online forums and portals related to the specific business you are dealing with. And when it comes to payments it is always advisable to use third party online payment sites like paypal.com in order to avoid providing your credit card data to strangers.
Shared Computers and No Shared Computers
Be extremely careful when using computers in public places since you could be exposing your private information. If at all possible try not to use computers in public places for any kind of financial transaction. However, if you are forced to do so, make sure to use the tools provided by the financial sites to protect your privacy like the virtual keyboard which has the keys in disorder and instead of typing you press the key with the mouse to avoid key loggers from registering your passwords and usernames.
Moreover, you should also be careful when using your own computer even if you do not share it with anyone. Take into account that there are many hackers out there that may or may not be trying to get in your computer to obtain private information but it is surely something that you will not want to risk. Therefore, it is also a smart idea to use the above mentioned tools even when working with your own computer.
Furthermore you should be specially careful when using your laptop at hotels, restaurants, airports and other wireless hotspots because cyber criminals tend to target these places to steal private information from unaware customers. Remember that you always have the possibility to contact the companies and finish the transactions by phone without exposing your credit card or personal information online. If payment by phone is not available, make sure that the online site you are visiting has secure forms and secure applications for submitting your information and purchasing products or paying for services. It is also a good idea to use third party payment services like paypal.com if you are not comfortable providing your credit card information online.
Source: http://usmmasf.org/personal-finance-and-online-risks-management.htm
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