October is Cybersecurity Awareness Month. The prominence of the internet has nearly doubled since the early 2000s with 96% of American adults now reporting that they use the internet. From banking and shopping to socializing, home security and medical portals, there are very few day-to-day needs that can’t be initiated online.
The internet has undoubtedly made life easier in many ways, but it’s also made it easier for sensitive information to end up in the wrong hands. Last year alone, there were 3,322 data compromises in the US that affected over 278 million people. According to the latest FBI Internet Crime Report, losses from cyber-enabled crimes amounted to roughly $21 billion in 2025. Phishing, extortion, and investment scams were among the top complaints.
It’s virtually impossible to not have a digital footprint, which means no one is totally immune to data breaches or fraud attempts. The good news is there are simple preventative measures that you can take right now to bolster your cybersecurity.
ALWAYS ENABLE 2FA
Two-factor or multi-factor authentication provides additional security to your logins. Essentially every social media platform, email provider, and app allows you to opt-in to 2FA. In doing so, your login credentials plus a second form of authorization will be used if the login attempt is from an unknown device. Confirming your identity via email, text, in-app, or a separate code from an authenticator app are the most common methods.
MANAGING UNIQUE PASSWORDS
We've likely all made the mistake of using the same password across different accounts. Obviously, if a hacker were to gain access to one account, they could then attempt to use that password elsewhere. Using unique passwords across platforms, particularly ones that are hard to memorize, can help prevent a massive breach. Look into an encrypted password manager to keep track—there are plenty of free options!
DON'T SKIP SOFTWARE UPDATES
Outdated software leaves users vulnerable to ransomware attacks. Turn on automatic updates for your devices and make sure web browsers and plugins are kept up to date.
PROACTIVELY PROTECT YOUR CREDIT
With data leaks on the rise, one of the best ways to prevent identity theft is by being proactive. Freezing your credit blocks access to your credit report, thereby preventing new credit accounts from being opened in your name. It’s free and has no impact on your score.
Here are the three major credit bureaus you should contact:
- Equifax: Call 800-349-9960 or go online
- Experian: Go online or call 888‑397‑3742
- TransUnion: Call 888-909-8872 or go online
If you have accounts with these bureaus, you can easily lift the freeze online when you need to allow lenders access to your report. You can also thaw it, which means setting a date for it to automatically re-freeze. If needed, you can unfreeze your credit by contacting the credit bureau’s customer service via phone or mail.
KNOW HOW TO SPOT PHISHING AND SUSPICIOUS ACTIVITY
Phishing scams are one of the most common types of online fraud. Scammers send emails, texts, or social media messages that appear to be from legitimate sources— like banks, online retailers, or even friends. These messages often urge you to click a link, download an attachment, or provide personal information.
When to be on high alert:
- The email or message contains urgent language, such as “Your account is at risk!"
- The email claims you’ve been billed for a product you haven’t purchased— these often urge you to click a link or attachment to view the invoice
- The sender’s email address looks slightly off (support@paypa1.com instead of support@paypal.com)
- The message includes suspicious links— hover over them without clicking to see if they lead to an unfamiliar website
Another tactic is flooding the target’s inbox with spam emails in order to hide a valid notice of suspicious activity. If you suddenly receive a flurry of emails, diligently check for communication from financial institutions and keep a close eye on your accounts.
Modern technology offers many conveniences, but there will always be people who try to exploit weak spots. Take the time to audit your cybersecurity and act immediately if you notice suspicious activity. Vigilance is the key!