Showing posts with label Back to School. Show all posts
Showing posts with label Back to School. Show all posts

Back to School Tips for Keeping Your Identity Safe

As students get ready to head off to school, perhaps for the first time, it’s important to keep in mind that just because someone is your roommate, it doesn’t mean they’re immediately your trusted friend. An FTC report from earlier this year shows that there were almost 12,000 victims of ID Theft under the age of 19 in 2013. We’ve previously addressed tips for protecting yourself from ID Theft (and we’re certain that most people have heard the basics like ‘don’t save your social security number on your computer,’ ‘don’t share your passwords,’ and ‘don’t leave credit cards lying around’ dozens of times).
Here is a pair of non-traditional tips that incoming students may not consider:
  •   Empty your pockets when you’re doing laundry- For many, dorm living is the first time that they have to do their own laundry. Make sure that important documents (driver’s license, student ID, etc) don’t end up stuck in the spin cycle.
  • Don’t let sticky fingers ruin your day- While it’s nice to think of the community spirit of dorm life, the reality is the some folks are a little less scrupulous than others. Here’s a great article on protecting your devices. 

Add Credit Awareness To Your Back To School Shopping List

If you're the parent of a student, you're probably already aware of the fact that the start of the new school year is just around the corner. And, while you may be overjoyed that your kids are heading back to the classroom, you might not be thrilled about what it can cost you. However, with a little planning, you can keep this year's school supply shopping from turning into a credit nightmare.

1. Establish a plan. Before you rush out to the stores, try to make a plan and a budget. Figure out exactly what your kids need, what you already have at home and how much you have to spend. Figuring out what you can realistically afford can help keep yourself from having to swipe your credit card for a surprisingly big payment.

2. Use discretion when dealing with the option to open retailer credit cards. Chances are you've considered the “too good to be true” credit card offer at the checkout counter. This may be tempting, but you might want to resist the temptation and stick with your original method of payment. While these upfront savings may be nice, if you can afford to pay for it now, you might save yourself from potentially racking up interest costs later.

3. Use sales tax holidays. One way to save if you're on a tight budget is to take advantage of your state's tax-free holiday. Generally held over a weekend or a whole week, you can  make school-related purchases tax free, which could save you hundreds of dollars.

Being aware of your three credit reports and scores before you hit the stores can help save you from making mistakes that will potentially negatively affect your credit score.

To make sure you're at the top of the class when it comes to your personal credit report knowledge, visit the PrivacyGuard website.

Tips for College Students to Deter Identity Theft


With the start of the school year quickly approaching, the PrivacyGuard team would like to offer tips to college students to prevent Identity Theft.   Research from Javelin Research & Strategy identifies 18-24 year olds as consumers who are most likely to engage in risky electronic behavior, so college students should definitely be mindful of their online behavior while at school!

 Tip #1:  Use a Strong Password on Your Computer

 The use of a strong login password on a computer is a way to prevent fraud from occurring in a dormitory setting.  Doing so can prevent roommates and strangers alike from logging on to a potential victim’s computer.  We recommend using passwords with upper and lower case letters, mixed with numbers and symbols. 

 Tip #2:  Protect Your Computer with Antivirus Software

 Be certain to install antivirus software and to regularly update it to protect your computer from online threats. This is particularly important as universities move their data to the cloud, and continual connectivity to the internet becomes more prevalent in day to day studies. 

 I was required to update my antivirus software every semester while I attended college.  Even if your University doesn’t require it, we highly recommend updating the software on your own!

 Tip #3   Don’t Transact Over Public Wi-Fi

 While Public Wi-Fi offers an exceptional degree of convenience, it’s important to realize that thieves are able to intercept information being sent over the technology. Students are discouraged from sending any personal information, from credit/debit card numbers to social security numbers via public Wi-Fi.

As a college student, it is nearly impossible to follow this piece of advice, but it is an important factor to keeping your identity safe at school!


We have mentioned University Data Breaches before in our blog, so we know that they do occasionally occur.  Don’t let yourself become a victim! Be sure to check out our previous series for college kids, and de mindful of protecting your identity when returning to campus this fall!


Posted by Katie