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To avoid the scammer blues and get a few steps ahead of the game, here’s what you can do:
Put a freeze on your credit: this limits access to your credit files meaning scammers can’t scam and open accounts with your details.
Check your statements–brokerage, retirement, savings and any other asset accounts regularly.
Pay for credit monitoring services: they hit you up when something is off on your credit report.
Use an identity monitoring and recovery service: protect your identity, help with recovery if identity theft happens, and sometimes offer credit report monitoring too.
Subscribe to notifications/alerts so you’re aware when transactions take place on your accounts Use multi-step authentication for all online accounts. It might be annoying for you but it’ll be even more annoying to scammers!
Change your passwords every three months: Please don’t use bae or the babies names–choose something difficult.
Limit digital copies of sensitive info such as your social security numbers, full account numbers, card details and address.
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Rianka R. Dorsainvil, CFP®️ is the Co-Founder and Co-CEO of 2050 Wealth Partners a virtual, fee-only comprehensive financial planning firm dedicated to serving first-generation wealth-builders, entrepreneurs, and thriving professionals. Rianka also hosts 2050 TrailBlazers, a podcast aimed to address the lack of diversity in the financial planning profession by engaging industry experts and leaders in conversation.
As an award winning successful, millennial Certified Financial Planner professional, Rianka offers a unique perspective not only on the current state of the financial service industry, but on how to stay relevant in an ever-changing world.
Rianka serves as a member of CNBC’s Digital Financial Advisor Council and CFP Board’s Diversity Advisory Group, is a Forbes Personal Finance Contributor, and has been recognized for her accomplishments and leadership within the industry by leading publications and organizations such as Investment News’ inaugural 2017 Women to Watch Rising Star and Wealth Management’s Ten to Watch in 2018. She has been published in PBS NewsHour, Forbes, USA Today, Black Enterprise, CNBC, Women’s Health, and more.