Summer travel is a time for fun and exploration, but it also increases the risk of identity theft.
Being in unfamiliar places and using public Wi-Fi can make your personal information more vulnerable than usual. Don’t fret! We’ll provide you with helpful and easy-to-follow advice on how to protect yourself from identity theft so you can enjoy your trip without worry.
Before you go
Before you even pack your bags, taking a few key steps can significantly reduce your risk of identity theft.
First, when it comes to your documents, only take the identification and credit cards you absolutely need. Leave extra sensitive documents at home. Create both physical and secure digital backups of important items like your passport, driver’s license, and credit cards.
Next, be smart with your tech. When making reservations, be sure you’re using a secure and reputable site. Update the software on all your devices and enable security features such as strong passwords and two-factor authentication. Be cautious when using public Wi-Fi and avoid accessing any banking information. Consider using a VPN for a more secure connection. Don’t forget to back up the data on your devices.
Lastly, plan financially: inform your bank and credit card companies about your trip, activate fraud alerts, and consider a protective travel credit card. Understanding your consumer credit rights will also equip you to handle unauthorized transactions and disputes.
While you’re out
While traveling, and upon arrival at your destination, stay vigilant.
When handling payments, be wary of skimmers attached to ATMs and payment terminals; give readers a quick check by wiggling them before use. If possible, use credit cards rather than debit cards, as they typically offer better fraud protection. Use contactless payment options whenever possible for added security. Avoid using public computers in places like hotel lobbies or internet cafes for sensitive transactions, such as online banking or making purchases.
To protect your physical documents and devices, keep your wallet and bags secure and out of sight in public places. Never leave your phone, tablet, or laptop unattended, even for a brief moment. Make sure that all your devices are protected with a strong password. If possible, leave any important documents, such as your passport, in a secure location, like a hotel safe, instead of carrying them with you.
To stay safe online, be vigilant for phishing scams that may arrive via email, text, or social media. Always verify that websites are legitimate before entering any personal information.
Finally, think carefully about how much travel information you share on social media. Sharing real-time locations can provide criminals with valuable information about your absence and habits, making you a more vulnerable target.
If the worst happens: Responding to identity theft
Even with the best precautions, identity theft can still occur. If the worst happens while you’re traveling, taking swift action is crucial.
Immediate actions
First, report the incident to the relevant authorities. If you’re at a hotel, notify the hotel security immediately. You should also file a police report in the local jurisdiction where the theft occurred. This documentation can be important for insurance claims and proving the crime.
Second, immediately contact your bank and credit card companies. Inform them of the situation and request that they cancel or freeze any affected accounts to prevent further unauthorized use.
Follow-up steps
Once you’ve addressed the immediate crisis, take these additional steps. File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov. This federal agency collects identity theft complaints and provides valuable resources for victims to recover.
Next, consider placing a credit freeze or a fraud alert with the three major credit bureaus (Equifax, Experian, and TransUnion). A credit freeze restricts access to your credit report, making it harder for thieves to open new accounts in your name. A fraud alert requires lenders to take extra steps to verify your identity before issuing credit.
Finally, it’s essential to regularly monitor your credit reports for any suspicious activity or unauthorized accounts. You are entitled to a free credit report from each of the three bureaus annually at AnnualCreditReport.com.
Final thoughts
Summer travel offers wonderful experiences, but it’s wise to be mindful of the risks associated with identity theft. Taking a few precautions before and during your trip can greatly reduce your risk. Remember, the goal is to be aware, not anxious. Be proactive, enjoy your travels, and feel confident knowing you’ve taken sensible steps to protect your information.
