Ungavumeli ukuba isela lesazisi lichithe ubomi bakho bezezimali
Ukuphulwa kwedatha okwenzeka kunanini ngaphambili, kunye nabathengi abaninzi belahlekelwa yimali okanye, ngakumbi, ukuba bangubani. Kukho iindlela, nangona kunjalo, unokuzikhusela ezi ntlobo zolwaphulo-mthetho.
Indlela Ulwaphulo-mthetho lwe-Cyber luqala ngayo
Nabani na onokufaka ifrikhthi kwi-credit yabo, ukuthenga iinkqubo zokujonga iikredenti okanye ukuthatha ezinye izenzo ukuze zikhusele eziphambene nezikhulu ezifanayo. Nangona kunjalo, ubusela obuninzi bokungabonakali okanye ukuphazamiseka kwePII, kubandakanywa nezimbambano ezinkulu ezikhankanywe apha ngezantsi, akukho nto enokuyenza nge-intanethi okanye ikhompyutheni ye-lax okanye ukhuseleko lomnatha. Inkqubo yokusebenza engabonakaliyo okanye i-wizardry yokunyanzelisa ibandakanyeka kwinani elincinci leemeko ezipheleleyo.
Cinga ngolu hlobo: Ingakanani ulwazi oluthile umntu ofuna ukuba nolwazi ukuze akwenze wena kumntu wesithathu? Ingama lakho? Usuku lokuzalwa? Idilesi? Ukuxhotyiswa ngolwazi olunokufunyanwa lula olufana nalolu, kwaye mhlawumbi ezinye iinqununu zenkcazelo efana nesikolo esiphakeme oya kuyo, igama lakho leenja okanye igama lomama wakho, umntu unokukwazi ukufikelela kwiakhawunti yakho ekhoyo okanye ukuseka iimali-mboleko ezintsha okanye ikhredithi egameni lakho.
Ngoku kutshanje, iingxelo zecandelo lokhuselo lokukhusela apho ulwazi lomthengi kunye nolwazi oluchongiweyo lomntu (PII) luye lwacatshiswa ngandlela-thile lubonakala lubonakala luphantse. U-Verizon, umzekelo, wachaza ukulahlekelwa kwedatha okubandakanya abathengi abangaphezu kwezigidi ezili-14. I-Cybercriminals yada yahlasela i-credit bureau enkulu ye-Equifax-mhlawumbi i-data ephulileyo yokuphambuka kwedatha-kwaye yaba abantu abayizigidi ezili-143 kubandakanya amagama, imihla yokuzalwa, iinombolo zokukhuselwa kwezenhlalakahle, idilesi kunye neenombolo zeelayisensi zokuqhuba.
Amatyala amaninzi aquka ukuphanga amancinci njengolwazi olususwe kwiinkunkuma zakho. Okanye umgcini wesondlo obethayo okanye ubhale phantsi inombolo yakho yekhadi lesikweletu xa uthengwa kwindawo yokutyela. Kukho iintlobo zemithetho enxulumene nokufumana ulwazi lomthengi kuquka uSarbanes-Oxley, i-HIPAA, i-GLBA nabanye. Kodwa ubunjineli benzululwazi kunye nokuhle, ukwebiwa kwexesha elidala kusengumngcipheko omkhulu kunokuba ukhuseleko lwenethiwekhi kwaye kukukujonga nokukhusela ulwazi lwakho lomntu kunye nekhredithi yakho.
Indlela Yokuthintela Ubuni Ubunikazi
Ngezantsi kukho amanyathelo okuqala ongayenza ukuze uncede ukhusele kwaye ukhusele ulwazi lwakho oluchanekileyo kwaye uqinisekise ukuba ubunikazi bakho okanye i-credit yakho ayinakulungiswa.
Jonga i-shoulder-surfers. Xa ufaka inombolo ye-PIN okanye inombolo yekhadi lesikweleti kumatshini we-ATM, kwifowuni yefowuni, okanye nakwikhompyutheni emsebenzini, qaphela ukuba ngubani osekufuphi kwaye uqinisekise ukuba akukho mntu ukhangele phantsi kwiphepha lakho ukwenza inqaku lesitshixo ucinezela. Sebenzisa i- scanner fingerprints ukuchonga, kwakhona, okanye uvule iinkqubo zokuqaphela ubuso xa idilesi yakho ibanika yona.
Ufuna ukuqinisekiswa kwe-ID yesithombe. Esikhundleni sokusayina umqolo wakho wamakhadi wesikweletu, ungabhala "Bona i-ID yeSithombe". Kwiimeko ezininzi, oonobumba beevenkile abakhange bajonge ibhloko yesiginitsha kwikhadi lesikweletu, kwaye isela lingayisebenzisa ngokukhawuleza ikhadi lakho lesikweletu ukwenza i-intanethi okanye ukuthengwa kweefowuni ezingadingi ukuqinisekiswa kwetyikityo, kodwa kwezo zihlandlo ezinqabileyo apho benza ngokwenene ukutsayina, unokufumana ukhuseleko olongezelelweyo ngokubakhokelela ukuqinisekisa ukuba ufanisa umfanekiso kwi-ID yesithombe.
Shred everything. Enye yeendlela eziza kuba zizazi zesazisi zifumana ulwazi ngolu "dumpster-diving", u-pick-pick-picking. Ukuba ulahla iibhidi kunye neengxelo zekhadi lesikweletu, ikhadi elidala lekhredithi okanye iirisithi zemali efumanekayo, iingxelo zezokwelapha okanye kunye ne-mail yangaphandle yeemali zamakhadi-mboleko kunye nemali yokuthenga imali, unokushiya ulwazi oluninzi lulele.
Kukho iindlela ezimbini zokufakela iifayile: Thenga i- paper shredder kwaye uhlambe onke amaphepha kunye ne-PII phambi kokuba ulahlwe okanye usebenzise ifayile yeprogram ye-software .
Ukutshabalalisa idatha yedijithali. Xa uthengisa, ukuthengisa okanye ukulahla inkqubo yecomputer , okanye i-hard drive, okanye kwiCD, iDVD okanye i-tape yokugcinwa, kufuneka uthabathe amanyathelo angaphezulu ukuze uqiniseke ukuba idatha, ngokupheleleyo, kwaye ingonakali. Ukusula nje idatha okanye ukuguqula i-hard drive akukho ndawo esondeleyo ngokwaneleyo. Nabani onobuncinane bekhono lobuchwepheshe bangakwazi ukugxotha iifayile okanye ukufumana idatha kwi-drive.
Sebenzisa imveliso efana ne-ShredXP ukuqinisekisa ukuba idatha kwiimoto ezinzima zibhubhisa ngokupheleleyo. I-CD, iDVD okanye i-tape media kufuneka uyichithe ngokuyiphula okanye ukuyichitha ngaphambi kokuba uyilahle. Kukho izinto ezicwangcisiweyo ezicwangciselwe ngokukodwa ukucoca i-CD / iDVD yeendaba.
Yiba nokunyamekela ngokujonga iingxelo kunye nokuhlawula iindleko kwiposi. Oku kunenzuzo ezimbini. Okokuqala, ukuba unenkuthalo ngokujonga iibhanki zakho kunye neengxelo zemboleko nganye ngenyanga, uya kuqonda ukuba omnye wabo akafiki kwaye unokukuphawula ukuba mhlawumbi umntu wayiba ebhokisini lakho lemeyile okanye ngexesha lokuhamba. Okwesibini, unokuqinisekisa ukuba iintlawulo, ukuthenga okanye ezinye izinto ezifakwe kwisitatimende zivumelekile kwaye zihambelana neerekhodi zakho ukuze ukwazi ukukhawuleza nokujongana naluphi na umsebenzi osolisayo.
Ukuba awusebenzisi ibhanki kwi-intanethi ukuhlawula iindleko zakho, phulaphula: Ungalokothi ushiye iibhola ezihlawulwayo kwibhokisi yakho yeposi ukuze uthunyelwe. Isela elihlaselayo ibhokisi leposi liyakwazi ukufumana ukubulawa kweenkcukacha ezibalulekileyo kwiimvulophu enye - igama lakho, idilesi, inombolo ye-akhawunti yekhredithi, ulwazi lwakho lwebhanki kubandakanye nenombolo yokuhamba kunye nenombolo ye-akhawunti ukusuka phantsi kwekhangela, kunye nekopi isayinitsha yakho kwitshekethi yakho ngeenjongo zobungqina bokuqala.
Bhalisa i-imeyile yakho kunye nemiyalezo. Yonke idatha oyithumelayo kwimilayezo okanye nge-imeyli isengozini xa ungasebenzisi ukubethela ukuphela kokuphela kokukhusela. Oko kuthetha ukuba umthumeli nomkeli kuphela unokufunda ulwazi. Hlanganisa le ID eneenkcukacha zeminwe okanye ukhiye wephasiwedi kwisixhobo ukuqinisekisa ukuba ukhuseleko olukhuselekileyo.
Imfuneko ye- 2-Factor Ukuqinisekiswa kuma-akhawunti wezezimali nakwizentlalo. Yongeza uluhlu olongezelelweyo lokukhuseleko kwiakhawunti zakho ze-intanethi ohlala ungena ngazo usebenzisa idilesi ye-imeyile / igama lomsebenzisi kunye nephasiwedi. Iingxelo zentlalo yeendaba zentlalo kufuneka zibe neenjongo zokuqinisekiswa ezimbini. Ukuba umntu kwenzeka ukuba athole iphasiwedi, umzekelo, basenokufuna isibini, iqela leenkcukacha ezihambelanayo ukuze bangene kwi-akhawunti.
Hlaziya ingxelo yengxelo yakho yemali ngonyaka. Oku bekusoloko isiluleko esilungileyo, kodwa sasisebenzisa ukubiza imali, okanye kufuneka uqale ukulahlwa ngokufumana iitaliti ukwenzela ukuba ufumane ikhophi yamahhala. Ngoku kunokwenzeka ukuba ukhangele ukhululekile kwingxelo yakho yekrediti kanye ngonyaka. Ii-arhente ezinkulu ezintathu zokubhengisa ngetyala (i-Equifax, i-Experian ne-TransUnion) zidibanisa ukunika iingxelo zekhredithi zamahhala kubasebenzisi.
I-website yecreditreport.com, kunye neendawo ezifana ne-CreditKarma.com, zibonelela ngeengxelo zekhredithi zamahhala kunye nokubeka iliso. Kufuneka uhlaziye ingxelo yakho ukuqinisekisa ukuba ulwazi oluchanekileyo kwaye uqinisekise ukuba akukho naziphi i-akhawunti apho ungaqapheliyo okanye nayiphi na into yokungenayo okanye umsebenzi.
Khusela inombolo yakho yoKhuseleko loLuntu. Inombolo yoKhuseleko loLuntu sele ibe yinto enye ayeyithembisa ukuba ayayiyiyo-inhlobo yesazisi yelizwe. Ngokuqhelekileyo kucetyiswa ukuba ungayithwali i-Social Security yakho kwisikhwama sakho kunye nelayisenisi yakho yokuqhuba kunye nokunye ukuchonga. Enye into, nangona kulindeleke ukuba uphelele ubomi bakho bonke, iKhadi leKhuseleko loLuntu likhutshwe kwikhadibhodi enobungqina obunzima ukugqoka kunye nokulila.
Ngaphandle kwaloo nto, ukwazi igama lakho elipheleleyo, idilesi kunye neNombolo yoKhuseleko loLuntu, okanye nakwiidijithi ezi-4 ezidlulileyo kwiimeko ezininzi, unokuvumela isela ukuba lithwale ubunikazi bakho. Awufanele usebenzise iNombolo yoKhuseleko lweNtlalo njengalowo nxalenye yegama lomsebenzisi okanye iphasiwedi oyifumayo kwaye akufanele utyhile kumnxeba ocelayo okanye ekuphenduleni ugaxekile okanye i-imeyli ye- scishing scam .
Caveat Emptor. Musa ukuqhuba ishishini kwi-intanethi kunye neenkampani ongazi nto. Unokuziva uzikhuselekile ukwenza intengiso kwi-intanethi kwi-Amazon.com okanye kwi-BestBuy.com okanye nayiphi na iwebhusayithi ehambelana nabathengisi abaziwayo, bamazwe okanye asemhlabeni. Kodwa, ukuba uthengela into ethile kwi-intanethi kufuneka ube nezinga elithile lokuthembela ukuba inkampani oqhuba ishishini nayo ivumelekile kwaye ithatha ukhuseleko lweenkcukacha zakho zobuqu njengokuba wenza njalo.
Xa wenza ukuthengwa kwe-intanethi, funda iinkampani ze-intanethi yangasese umgaqo-nkqubo wokuqala wobungqina bokuqinisekisa ukuba uyavumelana nalo kwaye uqinisekise ukuba usebhusayithi ekhuselekileyo okanye efihliweyo (efanekiselwa i-padlock encinane kwicala eliphantsi kweskrini kwi-Internet Explorer).