These days, there’s a far easier way to find personal information: just look online. All a criminal needs is a laptop and an internet connection. Once your data is online it’s extremely hard to keep it private. When you buy products, you have to enter your name, address and payment details. You hope that the company you’re purchasing from has strong security and adheres to GDPR, and the other rules around the world that relate to PII (personally identifiable information). But as we all know, even the biggest companies can be hacked. From Adobe and Dropbox to Facebook, Yahoo and LinkedIn: they have all suffered breaches where customer data was leaked in one form or another. Usually that data is sold on the ‘ dark web’ to the highest bidder, and whoever buys it will most likely try and use any associated payment methods to empty your bank account. However, it isn’t only your savings at risk. Identity theft can cause you a whole world of problems. Armed with enough information about you, criminals can assume your identity, open bank accounts, take out credit cards and use them all fraudulently. They could even get a job under your identity, fail to pay tax (or submit fake tax returns to get a refund) and leave you footing a large bill, even though you’re innocent. The first time you’re likely to find out that your identity has been stolen is when letters start arriving in the post demanding unpaid credit card bills, to pay tax bills or other outstanding payments. The police may even come knocking if a crime has been committed in your name. Naturally, this causes considerable stress, and it can be hard to prove that you’re not responsible for any of it, and that your identity was stolen. There can be lasting effects, from damage to your credit rating, an inability to get insurance, a mortgage or other financial products. Potentially just as damaging is if a hacker manages to log into any of your email or social media accounts. They can then use your online identity to scam your contacts: your friends and family and could even post damaging messages or images on your social media feeds, and that could even put your job in jeopardy.

How to prevent identity theft

Clearly, much of this is unlikely and is the worst case scenario. But this stuff does happen with alarming frequency. Yet there are things you can do to help protect your identity. When it comes to identity protection services, choose wisely and be sure you’re handing your data (for monitoring) to a trustworthy company. You’ll find ID protection offered as part of some security software packages, along with antivirus, from companies such as McAfee and Norton. There are others, such as Equifax and Experian. Some include ID theft insurance, which can reimburse you for financial loss, (including lost wages for time spent off work) as well as pay for other costs you’ve incurred. You can check any number of email addresses to see if they have been included in previous breaches using the Have I Been Pwned? website.

How to stop hackers stealing your photos and data How to avoid phishing scams How to check out a suspicious link before you click on it

Jim has been testing and reviewing products for over 20 years. His main beats include VPN services and antivirus. He also covers smart home tech, mesh Wi-Fi and electric bikes.