Identity thieves work extra hard to trick us into giving over our personal information. But there are ways for us to implement effective tactics to safeguard our identities and stop thieves in their tracks. In this tip, we’re sharing five ways to take steps you can take to make it harder for identity thieves to steal your information.  Links: Explore the identity protecting benefits of a Better Checking account IRS Taxpayer Guide to Identity Theft Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Identity theft continues to be more than just a costly headache. Fraud scams and identity theft reports continued to top the list of scams reported to the FTC in 2024. In fact, nearly 6.5 million incidents were reported to the FTC last year, and over 1 million of those incidents included an instance of identity theft. These numbers prove that while scams and identity theft continue to evolve, so do the tactics that criminals use to commit these crimes. In this tip we’ll share some lesser-known steps you can take to help avoid becoming the next victim of identity theft and fraud.  Use fake answers for your security questions One simple way to add a layer of protection to your accounts is to choose wrong or nonsense answers to security questions. If at age 16, you drove a green SUV, the security answer to “What was your first car?” might be “big avocado” rather than “green Ford Explorer.” The idea is to choose an answer that only has meaning to you and cannot be easily guessed. Real answers to your security questions may have been published in the past if you have ever participated in social media quizzes, polls, and challenges. Avoid using your real information, especially information typically found in security questions, like your mother's maiden name or the name of the street you grew up on, in any situation, no matter how seemingly harmless it may seem. A moment of fun could lead to many lost hours spent repairing damage to your identity.  Opt in for multi-factor authentication When available, enable multi-factor authentication ("MFA") to your online accounts. MFA is a type of authentication that adds two or more layers of security beyond a password. If only two factors are used, it is sometimes referred to as two-factor authentication or 2FA. While passwords should always be difficult to guess, and you can work to protect the answers to your security questions, adding another step to the login process decreases the chance that a hacker can gain access to your accounts. MFA typically works by sending a verification code by SMS text, by email, or by voice to a phone number listed on your profile. You must enter the provided code before being allowed to complete the login process. MFA should always be added when available. To know whether your account provider offers MFA, you may need to investigate your online options or give the company a call to ask, as it is not always offered proactively.  File your taxes early As this IRS Taxpayer Guide to Identity Theft website states, "tax-related identity theft occurs when someone uses your stolen personal information, including your Social Security number, to file a tax return claiming a fraudulent refund." One simple way to avoid scammers getting a hold of your tax refund is to file before they do! Surprisingly, this type of fraud affects an estimated hundreds of thousands of Americans every year. Often, the scam isn’t uncovered until an individual tries to file their own return and their refund is rejected because it has already been claimed. When tax season comes around, get everything in order ` and file early. This way you can both mark the chore off your list and avoid leaving your refund out there for someone else to claim.  Be smart and stay private on social media Two ways p