11. 11. If your state permits it, try to freeze your credit reports. ±ÍÇÏÀÇ »óÅÂ, ±×°ÍÀ» Çã¿ë ±ÍÇÏÀÇ Å©·¹µ÷ ¸®Æ÷Æ®¸¦ µ¿°áÇÏ·Á°íÇÕ´Ï´Ù. By doing that, you can prevent credit issuers from accessing your credit files except when expressed permission is given. Áï, ±ÍÇÏÀÇ Å©·¹µ÷¿¡ ¾×¼¼½ºÇÏÁö ¸øÇϵµ·Ï ¸·À» ¼öÀÖ½À´Ï´Ù ½Å¿ë ¹ßÇàÇϰí Ç¥ÇöÇÔÀ¸·Î½á ±ÇÇÑÀ» Á¦¿ÜÇßÀ» ¶§ ÆÄÀÏÀÌ ºÎ¿©µË´Ï´Ù. In most states, security freezes are available at no cost. ´ëºÎºÐÀÇ ÁÖ¿Í Å׸®Å丮¿¡¼´Â º¸¾È ¾óÀ½Àå´Â ¾Æ¹«·± ºñ¿ë¾øÀÌ »ç¿ëÇÒ ¼öÀÖ½À´Ï´Ù.
12. 12. Several companies can offer credit monitoring services for an annual fee which ranges from $50-$120 a year as mentioned above, So, try to take advantage. ¿©·¯ ȸ»çÀÇ ½Å¿ëÀº 50 ´Þ·¯ ¹üÀ§¿¡¼ ¿¬°£ ¼ö¼ö·á - $ 120 À§¿¡¼ ¾ð±ÞÇÑ´ë·Î 1 ³â µ¿¾È ¸ð´ÏÅ͸µ ¼ºñ½º¸¦ Á¦°øÇÒ ¼öÀÖ½À´Ï´Ù, ±×·¡¼, Ȱ¿ëÇÏ·Á°íÇÕ´Ï´Ù. 13. 13. There are many products that you can use for identity theft insurance. ÀÌ¹Ì ½Å¿øÀÌ µµ³ º¸Çè¿¡ »ç¿ëÇÒ ¼öÀÖ´Â ¸¹Àº Á¦Ç°ÀÔ´Ï´Ù. I don¡¯t suggest them unless they are free or a cheap add-on to an insurance policy that already exists. ±×µéÇϰųª Ãß°¡ÇÏÁö ¾Ê´Â ½Î±¸·Á -¿¡ ÀÌ¹Ì Á¸ÀçÇÏ´Â º¸ÇèÀ» ¹«·á·ÎÇÏ´Â ±×µéÀ» Á¦¾ÈÇÏÁö ¾Ê½À´Ï´Ù. 14. 14. When you are using passwords and PINs, try not to use the last four digits of your Social Security number, birth date, middle name, consecutive numbers or anything else that a thief can easily find out. ¾ðÁ¦º¸½Ê½Ã¿À »çȸ º¸Àå ¹øÈ£, »ý³â¿ùÀÏ, Áß°£ À̸§, ¿¬¼Ó ¹øÈ£ÀÇ ¸¶Áö¸· 4 ÀÚ¸® ¼ýÀÚ¸¦ »ç¿ëÇÏÁö ¾Êµµ·Ï ¾Æ´Ï¸é ´Ù¸¥ ¾î¶² °Íµµ ±× µµµÏÀÌ ½±°Ô ¾Ë¾Æ³¾ ¼öÀÖ´Â ºñ¹Ð ¹øÈ£¿Í PINÀ» »ç¿ëÇϰíÀÖ½À´Ï´Ù. Always try to look for passwords that will combine both letters and numbers. Ç×»ó ±× µÎ ±ÛÀÚ¿Í ¼ýÀÚ¸¦ Á¶ÇÕÇÑ´Ù ºñ¹Ð ¹øÈ£¸¦ ã¾Æº¸½Ê½Ã¿À.
15. 15. Try to ask your financial institutions to add extra security protection to your account. ±ÍÇÏÀÇ °èÁ¤¿¡ Ãß°¡ º¸¾È ±â´ÉÀ» Ãß°¡ÇÏ¿© ±ÝÀ¶ ±â°ü¿¡ ¹°¾î º¾´Ï´Ù. Most of them will let you make use of more than one when they access your account. ±×µé ´ëºÎºÐÀº Çϳª ÀÌ»óÀÇ °èÁ¤¿¡ ¾×¼¼½º ÇÒ ¶§ »ç¿ë Åä·Ï ÇÒ ¿¹Á¤ÀÌ´Ù. Once again, don¡¯t use easy numbers to figure out. ´Ù½Ã Çѹø ¾Ë¾Æ³»´Â °Ç ½¬¿î ¹øÈ£¸¦ »ç¿ëÇÏÁö ¾Ê½À´Ï´Ù. If you are asked to create a reminder question, try not to use one which can be answered easily by others. ¸¸¾à ´ç½ÅÀÌ »ç¿ëÇÏÁö ¾Êµµ·Ï ³ë·ÂÀ» »ó±â Áú¹®À» ¸¸µéµµ·Ï ¿äûÇÏ´Â ´Ù¸¥ Çϳª´Â ½±°Ô ´ë´äÇÒ ¼öÀÖ½À´Ï´Ù. 16. 16. Try to keep all your passwords in your memory. ±ÍÇÏÀÇ ¸Þ¸ð¸®¿¡ÀÖ´Â ¸ðµç ¾ÏÈ£¸¦ À¯ÁöÇØº¸½Ê½Ã¿À. Don¡¯t write them down on paper. Á¾ÀÌ¿¡ Àû¾î µÎÁö ¸¶½Ê½Ã¿À. 17. 17. Cover your hand when you are using an ATM machine or debit when you type in your password. µ¤°³ ¼ÕÀ»Çϸé Çö±Ý ÀÎÃâ±â µå³ª Á÷ºÒÄ«µå ºñ¹Ð ¹øÈ£¸¦ ÀÔ·ÂÇÏ¸é »ç¿ëÇϰíÀÖ½À´Ï´Ù. 18. 18. Try to protect your Social Security number at all costs. ¾î¶² ´ë°¡¸¦ Ä¡¸£´õ¶óµµ º¸È£Çϱâ À§ÇØ ±ÍÇÏÀÇ »çȸ º¸Àå ¹øÈ£¸¦ »ç¿ëÇØº¸½Ê½Ã¿À. Only give it out when it is most necessary, as it is precisely this kind of information that thieves tend to look for. °¡Àå ÇÊ¿äÇÑ ¶§ÀÔ´Ï´Ù¸¸Å ÀÌ·± Á¾·ùÀÇ Á¤º¸¸¦ Á¤È®ÇϰԺ¸°íÇÏ´Â °æÇâÀÌÀÖ´Ù¸¸ÀÌ ±× µµµÏÀ» À§ÇØ, ±×°ÍÀ» ¹ÛÀ¸·ÎÁÖ°íÀÖ´Ù. If a business requests your SSN, you should try to ask if there is an alternative number that can be made use of instead. »ç¾÷À» ¿äûÇÏ´Â °æ¿ì ±ÍÇÏÀÇ SSNÀº ¼Òµæ, ±× ´ë½Å »ç¿ëÇÏ¸é ¸¸µé ¼öÀÖ´Â ´ë¾È ¹øÈ£´Â ¹¯ÁöÇÏ·Á°íÇÑ´Ù. Ask to have a look at the company's written policy on SSNs. ÀÌ È¸»çÀÇ ¼¸é Á¤Ã¥ SSNs¿¡ ¹°¾î ºÁ¿Ô´Ù.
19. 19. Try not to have your SSN or driver's license number mentioned on your checks. ±ÍÇÏÀÇ SSNÀº ¼ÒµæÀ̳ª ¿îÀü ¸éÇãÁõ ¹øÈ£´Â ±ÍÇÏÀÇ ¼öÇ¥¿¡ ´ëÇÑ ¾ð±ÞµµÇÏÁö ¸¶¼¼¿ä. This might sound like its obvious, but you would be surprised at how many people make this mistake. À̰ÍÀº ºÐ¸íÇÏÁö¸¸, ´ç½ÅÀÌ ¾ó¸¶³ª ¸¹Àº »ç¶÷µéÀÌ ½Ç¼ö¸¦ ³î¶ó°Ô µÉ °ÍÀ̶ó°íó·³ µé¸®°Ú.
20. 20. Do mention your SSN out loud in public. SSNÀº ¼Òµæ¾øÀÌ °ø°ø Àå¼Ò¿¡¼ Å« ¼Ò¸®·Î ¹ÛÀ¸·Î ¾ð±Þ ¸¶½Ê½Ã¿À. Try not to let anyone mention it out loud for you either. ¾Æ¹« ¼Ò¸®µµ ´ç½ÅÀ» À§ÇØ ±×°ÍÀ» ¹ÛÀ¸·Î ¾ð±ÞÇÏÁö ¾Êµµ·Ï ³ë·ÂÇÏÀÚ.
21. 21. Try to examine your Social Security Personal Earnings and Benefits Estimate Statement on a yearly basis. ¿¬°£ ±âÁØÀ¸·Î ±ÍÇÏÀÇ °³ÀÎ ¼öÀÔ°ú »çȸ º¸Àå ÇýÅà ¿¹ÃøÄ¡ Á¤Ã¥À» °ËÅäÇϽʽÿÀ.
22. 22. Don¡¯t carry your SSN card in your wallet unless you know that you will be using it. ´ç½ÅÀÌ ±×°É ¾Ë°í »ç¿ëÇÏÁö ¾ÊÀ¸¸é µÉ ±ÍÇÏÀÇ SSNÀº ¼Òµæ¾øÀÌ Áö°©¿¡¼ Ä«µå¸¦ ¼öÇàÇÏÁö ¸¶½Ê½Ã¿À. Try to photocopy your cards instead and make them wallet size. ±ÍÇÏÀÇ Ä«µå¸¦ º¹»çÇÏ´Â ´ë½Å ±×µéÀÇ Áö°© Å©±â¸¦ ¸¸µé¾îº¸½Ê½Ã¿À.
23. 23. If you live in a state that makes use of the SSN as your driver's license number, I would tell you to just ask for another number. ±ÍÇÏÀÇ ¿îÀü ¸éÇãÁõ ¹øÈ£·Î »ç¿ëÇÏ°Ô SSNÀº ¼ÒµæÀÇ »óÅ¿¡¼ »ì°í, ³ ±×³É ´Ù¸¥ ¹øÈ£¿¡ ´ëÇÑ Áú¹®À» ¸»ÇØÁÙ °ÍÀÌ´Ù. 24. 24. Try to use a firewall on your home computer which will help you to keep hackers from getting hold of your personal identifying and financial data from your hard drive. ÀÌ´Â ±ÍÇÏÀÇ °³ÀÎ ¹× ±ÝÀ¶ µ¥ÀÌÅ͸¦ ½Äº°ÇÏ¿© ÇÏµå µå¶óÀ̺꿡¼ °³Ãֵȴ٠Á¡Á¡¿¡¼ ÇØÄ¿¸¦ À¯ÁöÇÏ´Â µ¥ µµ¿òÀÌ Áý¿¡ÀÖ´Â ÄÄÇ»ÅÍ¿¡¼ ¹æÈº®À» »ç¿ëÇØ º¾´Ï´Ù. This will be even more important if you are using DSL or cable modem. DSLÀ̳ª ÄÉÀÌºí ¸ðµ©À» »ç¿ëÇÏ´Â °æ¿ì À̰ÍÀÌ ÈξÀ ´õ Áß¿äÇÑ °ÍÀÔ´Ï´Ù. Keep reading our guide for more tips on how to recover from bankruptcy efficiently, Identity Theft Prevention 5 ÆÄ»êÀ» È¿À²ÀûÀ¸·Î º¹±¸ÇÏ´Â ¹æ¹ý¿¡ ´ëÇÑ ÀÚ¼¼ÇÑ µµ¿ò¸»À»À§ÇÑ ¿ì¸®ÀÇ °¡À̵带 Àаí À¯Áö, ½ÅºÐ µµ¿ë ¹æÁö 5 |