Protect your computer and smartphone with strong, up-to-date security software. If your computer or phone is infected with malicious software, other safeguards are of little help because you’ve given the criminals the key to all your online actions. Also be sure that any operating system updates are installed.

Learn to spot spam and scams. Though some phishing scams are easy to identify, other phishing attempts in email, IM, on social networking sites, or websites can look very legitimate. The only way to never fall for phishing scam is to never click on a link that has been sent to you. For example, if the email says it’s from your bank and has all the right logos and knows your name, it may be from your bank – or it may not be. Instead of using the link provided, find the website yourself using a search engine. This way you will know you landed on the legitimate site and not some mocked up fake site.

Use strong passwords. Weak passwords are an identity thief’s dream, especially if you use the same password everywhere. Once the thief knows your password, they can log you’re your financial accounts and wreak havoc. You need passwords that are long over 10 characters, strong- use upper and lower case letters, numbers and symbols, and that have nothing to do with your personal information

Only use reputable websites when making purchases. If you don’t know the reputation of a company that you want to purchase from, do your homework. How are they reviewed by other users? Do they have a strong rating with the Better Business Bureau? Do they use a secure, encrypted connection for personal and financial information?