It usually starts with something small.

You’re scrolling TikTok or Instagram, half-paying attention, when a Black Friday ad pops up. It looks like the brand you love—same logo, same photos, same “limited-time deal” language you’ve seen in real promos. The link takes you to a site that looks identical to the real one. The checkout page works. The confirmation email looks legit.

Then the payment clears, and the merchant name on your bank statement doesn’t match the store at all.

That moment, wait, what did I just buy from?, is becoming the defining holiday-shopping scam of 2025.

This year, fake ads and cloned storefronts aren’t sketchy one-offs or typo-filled red flags. They’re polished. They’re identical. And increasingly, they’re powered by AI.

McAfee’s 2025 holiday research found that nearly half of Americans (46%) have already encountered AI-altered or AI-generated scams while shopping. And with 96% of people planning to shop online, many doing so daily, scammers know this is peak opportunity.

Here’s how fraudsters are blending into the busiest shopping season of the year, what the data shows, and how to stay one step ahead.

Why Scammers Are So Effective Right Now

A perfect storm is happening:

People are shopping more often.
Nearly half of U.S. adults expect to shop online daily or multiple times per day during the holidays.

People are rushed.
From early Black Friday “price drop” alerts to Cyber Monday countdowns, shoppers don’t slow down to verify what they’re seeing.

AI makes scam content nearly flawless.
McAfee found technology email scams surging ~85%, retail email scams rising ~50%, and fraudulent URLs climbing across the board—from counterfeit Apple support pages to fake Costco refund portals.

Holiday deals are already rolling out—and so are the scams.

McAfee’s 2025 holiday research shows major spikes in email scams (~50% increase), technology scams (~85% increase), and fake storefronts that mimic trusted retailers. AI tools are making these scams faster, more realistic, and harder to spot.

It’s not that shoppers suddenly got careless.

It’s that scammers suddenly got good.

The 2025 Scams Hitting Shoppers the Hardest

1. Fake Retail Sites & “Deal” Pages That Look Real

This is the big one, and it’s getting cleaner every year.

Scammers lift entire storefronts:

• Logos
• Product photos
• Sale graphics
• Checkout flows
• Even fake customer service pages

The only giveaway? A URL that’s juuust slightly off—“target-sale.com” instead of “target.com,” or a link ending in “.shop” or “.store” rather than a brand’s normal domain.

Once you enter your payment info, it goes directly into a database that criminals resell or use to make purchases.

How to spot and avoid this scam: Skip the ad. Type the retailer’s name into your browser yourself. If it’s a real deal, you’ll find it on their actual site.

2. TikTok, Instagram & Social Video Scams

Short-form videos are now a prime scam vehicle.

Scammers steal influencer footage, use AI voice clones, or generate deepfake “promo” videos with celebrities offering huge holiday discounts. When someone clicks the link, it leads straight to a counterfeit store.

According to McAfee:

• 46% have encountered fake influencer/celebrity endorsements
• Younger shoppers (18–34) see them most
• Many appear during holiday-sale cycles on TikTok Shop and Instagram Shopping
• US – Holiday Shopping 2025 fact…

How to spot and avoid this scam: Check the creator’s account history. Real brands don’t drop one-off promo videos from accounts you’ve never seen before. Same as our initial advice, skip the ad entirely and go directly to the official brand website rather than clicking any links.

3. Delivery & Shipping Text Scams

The classic delivery scam is back, with McAfee researchers finding dozens of examples of fake messages attempting to scam holiday shoppers.

You’ll receive a text saying a package can’t be delivered or that a small fee is needed to confirm your address.

McAfee found that 43% of people have encountered fake delivery notifications, and many victims say they entered credit card information thinking they were resolving a legitimate issue.

How to spot and avoid this scam: UPS, USPS, and FedEx will never send a clickable payment link in a text. If you’re wondering about a specific delivery, go directly to the site you ordered it from, or your original receipt in your email to find your tracking information.

4. Account Verification & Gift Card Scams

These hit during the weeks leading up to the holidays.

Messages claim:

• Your Amazon account is locked
• Your Apple ID has “suspicious activity”
• Your loyalty points are expiring
• You must verify your payment information
• You must pay a fee or gift card to resolve an issue

How to spot and avoid this scam:
No legitimate company will ever resolve account issues through gift cards or text-confirmation codes.

How AI Is Supercharging These Scams

Not long ago, scam emails had broken English and pixelated logos.

Now scammers use generative AI to:

• Clone real brand websites
• Rewrite perfect phishing emails
• Fake customer service chatbots
• Produce Hyper-real video ads
• Replicate influencer voices
• Generate thousands of unique scam texts instantly

And people are noticing.

57% of shoppers say they’re more concerned about AI scams this year than last.

Yet 38% believe they can spot scams—even though 22% have fallen for one.

Confidence ≠ protection.

What to Do if You Think You’ve Encountered a Scam

If something feels off—a message, a link, a charge on your bank statement—don’t panic. Most holiday scams rely on speed and confusion. Slowing down and taking a few simple steps can keep a bad situation from turning into real damage.

1. Stop engaging immediately

Close the tab, delete the message, and don’t click anything else.
Scammers often stack multiple pop-ups or redirects to pressure you into acting fast.

2. Don’t enter any additional information

If you started typing in a password or card number but didn’t hit “submit,” back out.
If you did enter details, move to the next steps right away.

3. Change your passwords (starting with the affected account)

Use a strong, unique password—especially for accounts tied to:

• email
• shopping apps
• banking
• cloud storage

A reused password is how one compromised login unlocks everything else. McAfee offers a password manager to help you make and store strong, unique passwords.

4. Check your bank or credit card for unexpected charges

Fraud usually starts small: $1–$5 “test” charges, odd merchant names, or tiny withdrawals.
If you see anything suspicious, contact your bank and request:

• a card replacement
• a fraud alert
• a temporary account freeze, if necessary

5. Run a security scan on your device

Some fake sites drop malware or spyware quietly in the background.
A quick scan can detect:

• malicious downloads
• browser hijackers
• unsafe extensions
• keyloggers

McAfee offers a free antivirus trial that you can use to scan your device and check for compromises.

6. Report the scam

Reporting helps stop other shoppers from being targeted.
You can report scams to:

• the retailer being impersonated
• the platform where you saw the ad (TikTok, Instagram, Facebook)
• your national fraud reporting center

7. Let technology help you clean up

McAfee can automatically detect whether the link, message, or site you interacted with is malicious—and alert you if your information may have been exposed.
Tools like:

• Scam Detector (Built into all core McAfee plans, flags scam texts, emails, and deepfakes)
• Web Protection (malicious or suspicious websites before they load)
• Identity & Financial Monitoring (Credit Monitoring can alert you to unusual account activity)

can help contain an issue before it turns into identity theft.

Need a Gift for the Practical Person in Your Life? Consider Giving Them Scam Protection

There’s always someone on your holiday list who doesn’t want more stuff, they want something useful. The friend who loves a clean inbox. The sibling who’s constantly traveling. The parent who keeps forwarding you suspicious texts asking, “Is this real?”

For them, security might actually be the most thoughtful gift you can give this year.

Online safety tools aren’t flashy, but they are the thing people reach for the moment they click the wrong link, lose a password, or get a sketchy delivery text. And with scams more believable than ever, digital protection has quietly become a new “practical essential,” like a good VPN or a reliable password manager.

Gifting McAfee means giving someone:

Scam protection that works quietly in the background
Scam Detector flags dangerous messages, deepfake-style content, and fake shopping sites before they ever interact with them.

Identity & financial monitoring
A huge help for anyone who’s been burned by fraud in the past — or is tired of checking bank statements manually.

Password security that doesn’t require them to remember anything
Perfect for the person who uses the same password everywhere (and you know exactly who I mean).

Device protection for laptops, phones, and tablets
Which is especially relevant for people shopping, traveling, or working remotely through the holiday season.

It’s practical. It’s protective. And unlike most presents, it’s something they’ll use all year.

The post How To Protect Yourself from Black Friday and Cyber Monday AI Scams  appeared first on McAfee Blog.

We’re standing at the threshold of a new era in cybersecurity threats. While most consumers are still getting familiar with ChatGPT and basic AI chatbots, cybercriminals are already moving to the next frontier: Agentic AI. Unlike the AI tools you may have tried that simply respond to your questions, these new systems can think, plan, and act independently, making them the perfect digital accomplices for sophisticated scammers. The next evolution of cybercrime is here, and it’s learning to think for itself.

The threat is already here and growing rapidly. According to McAfee’s latest State of the Scamiverse report, the average American sees more than 14 scams every day, including an average of 3 deepfake videos. Even more concerning, detected deepfakes surged tenfold globally in the past year, with North America alone experiencing a 1,740% increase.

At McAfee, we’re seeing early warning signs of this shift, and we believe every consumer needs to understand what’s coming. The good news? By learning about these emerging threats now, you can protect yourself before they become widespread.

A Real-World Example: How Anthropic’s Claude AI Was Used for Espionage

A new case disclosed by Anthropic, first reported by Axios, marks a turning point: a Chinese state-sponsored group used the company’s Claude Code agent to automate the majority of an espionage campaign across nearly thirty organizations. Attackers allegedly bypassed guardrails through jailbreaking techniques, fed the model fragmented tasks, and convinced it that it was conducting defensive security tests. Once operational, the agent performed reconnaissance, wrote exploit code, harvested credentials, identified high-value databases, created backdoors, and generated documentation of the intrusion. In all, they completed 80–90% of the work without any human involvement.

This is the first publicly documented case of an AI agent running a large-scale intrusion with minimal human direction. It validates our core warning: agentic AI dramatically lowers the barrier to sophisticated attacks and turns what was once weeks of human labor into minutes of autonomous execution. While this case targeted major companies and government entities, the same capabilities can, and likely will, be adapted for consumer-focused scams, identity theft, and social engineering campaigns.

Understanding AI: From Simple Tools to Autonomous Agents

Before we dive into the threats, let’s break down what we’re actually talking about when we discuss AI and its evolution:

Traditional AI: The Helper

The AI most people know today works like a very sophisticated search engine or writing assistant. You ask it a question, it gives you an answer. You request help with a task, it provides suggestions. Think of ChatGPT, Google’s Gemini, or the AI features on your smartphone. They’re reactive tools that respond to your input but don’t take independent action.

Generative AI: The Creator

Generative AI, which powers many current scams, can create content like emails, images, or even fake videos (deepfakes). This technology has already made scams more convincing by cloning real human voices and eliminating telltale signs like poor grammar and obvious language errors.

The impact is already visible in the data. McAfee Labs found that for just $5 and 10 minutes of setup time, scammers can create powerful, realistic-looking deepfake video and audio scams using readily available tools. What once required experts weeks to produce can now be achieved for less than the cost of a latte—and in less time than it takes to drink it.

Agentic AI: The Independent Actor

Agentic AI represents a fundamental leap forward. These systems can think, make decisions, learn from mistakes, and work together to solve tough problems, just like a team of human experts. Unlike previous AI that waits for your commands, agentic AI can set its own goals, make plans to achieve them, and adapt when circumstances change

Key Characteristics of Agentic AI:

• Autonomous operation: Works without constant human guidance from a cybercriminal
• Goal-oriented behavior: Actively pursues specific objectives without requiring regular input.
• Adaptive learning: Improves performance based on experience through previous attempts.
• Multi-step planning: Can execute complex, long-term strategies based on the requirements of the criminal.
• Environmental awareness: Understands and responds to changing conditions online.

Gartner predicts that by 2028, a third of our interactions with AI will shift from simply typing commands to fully engaging with autonomous agents that can act on their own goals and intentions. Unfortunately, cybercriminals won’t be far behind in exploiting these capabilities.

The Scammer’s Apprentice: How Agentic AI Becomes the Perfect Criminal Assistant

Think of agentic AI as giving scammers their own team of tireless, intelligent apprentices that never sleep, never make mistakes, and get better at their job every day. Here’s how this digital apprenticeship makes scams exponentially more dangerous.

Traditional scammers spend hours manually researching targets, scrolling through social media profiles, and piecing together personal information. Agentic AI recon agents operate persistently and autonomously, self-prompting questions like “What data do I need to identify a weak point in this organization?” and then collecting it from social media, breach data, exposed APIs and cloud misconfigurations.

What The Scammer’s Apprentice Can Do

• Continuous surveillance: Monitors your social media posts, job changes, and online activity 24/7.
• Pattern recognition: Identifies your routines, interests, and vulnerabilities from scattered digital breadcrumbs.
• Relationship mapping: Understands your connections, colleagues, and family relationships.
• Behavioral analysis: Learns from your communication style, preferred platforms, and response patterns.

Unlike traditional phishing that uses static messages, agentic AI can dynamically update or alter their approach based on a recipient’s response, location, holidays, events, or the target’s interests, marking a significant shift from static attacks to highly adaptive and real-time social engineering threats.

An agentic AI scammer targeting you might start with a LinkedIn message about a job opportunity. If you don’t respond, it switches to an email about a package delivery. If that fails, it tries a text message about suspicious account activity. Each attempt uses lessons learned from your previous reactions, becoming more convincing with every interaction.

AI-generated phishing emails achieve a 54% click-through rate compared to just 12% for their human-crafted counterparts. With agentic AI, scammers can create messages that don’t just look professional, they sound exactly like the people and organizations you trust.

The technology is already sophisticated enough to fool even cautious consumers. As McAfee’s latest research shows, social media users shared over 500,000 deepfakes in 2023 alone. The tools have become so accessible that scammers can now create convincing real-time avatars for video calls, allowing them to impersonate anyone from your boss to your bank representative during live conversations.

Advanced Impersonation Capabilities:

• Voice cloning: Create phone calls that sound exactly like your boss, family member, senator, or bank representative
• Writing style mimicry: Craft emails that perfectly match your company’s communication style.
• Visual deepfakes: Generate fake video calls for “face-to-face” verification.
• Context awareness: Reference specific projects, recent conversations, or personal details

Perhaps most concerning is agentic AI’s ability to learn and improve. As the AI interacts with more victims over time, it gathers data on what types of messages or approaches work best for certain demographics, adapting itself and refining future campaigns to make each subsequent attack more powerful, convincing, and effective. This means that every failed scam attempt makes the AI smarter for its next victim. Understanding how agentic AI will transform specific types of scams helps us prepare for what’s coming. Here are the most concerning developments:

Multi-Stage Campaign Orchestration

Agentic AI can potentially orchestrate complex multi-stage social engineering attacks, leveraging data from one interaction to drive the next one. Instead of simple one-and-done phishing emails, expect sophisticated campaigns that unfold over weeks or months.

Automated Spear Phishing at Scale

Traditional spear phishing required manual research and customization for each target. In the new world order, malicious AI agents will autonomously harvest data from social media profiles, craft phishing messages, and tailor them to individual targets without human intervention. This means cybercriminals can now launch thousands of highly personalized attacks simultaneously, each one crafted specifically for its intended victim.

Real-Time Adaptive Attacks

When a target hesitates or questions an initial approach, agents adjust their tactics immediately based on the response. This continuous refinement makes each interaction more convincing than the last, wearing down even skeptical targets through persistence and learning. Traditional red flags like “This seems suspicious” or “Let me verify this” no longer end the attack, they just trigger the AI to try a different approach.

Cross-Platform Coordination

These autonomous systems now independently launch coordinated phishing campaigns across multiple channels simultaneously, operating with an efficiency human attackers cannot match. An agentic AI scammer might contact you via email, text message, phone call, and social media—all as part of a coordinated campaign designed to overwhelm your defenses.

How to Protect Yourself in the Age of Agentic AI Scams

The rise of agentic AI scams requires a fundamental shift in how we think about cybersecurity. Traditional advice like “watch for poor grammar” no longer applies. Here’s what you need to know to protect yourself:

• The Golden Rule: Never act on urgent requests without independent verification, no matter how convincing they seem.
• Use different communication channels: If someone emails you, call them back using a number you look up independently
• Verify through trusted contacts: When your “boss” asks for something unusual, confirm with colleagues or HR
• Check official websites: Go directly to company websites rather than clicking links in messages
• Trust your instincts: If something feels off, it probably is—even if you can’t identify exactly why

Understanding a New Era of Red Flags

Since agentic AI eliminates traditional warning signs, focus on these behavioral red flags:

High-Priority Warning Signs:

Emotional urgency: Messages designed to make you panic, feel guilty, or act without thinking

Requests for unusual actions: Being asked to do something outside normal procedures

Isolation tactics: Instructions not to tell anyone else or to handle something “confidentially”

Multiple contact attempts: Being contacted through several channels about the same issue

Perfect personalization: Messages that seem to know too much about your specific situation

How McAfee Fights AI with AI: Your Defense Against Agentic Threats

At McAfee, we understand that fighting AI-powered attacks requires AI-powered defenses. Our security solutions are designed to detect and stop sophisticated scams before they reach you. McAfee’s Scam Detector provides lightning-fast alerts, automatically spotting scams and blocking risky links even if you click them, with all-in-one protection that keeps you safer across text, email, and video. Our AI analyzes incoming messages using advanced pattern recognition that can identify AI-generated content, even when it’s grammatically perfect and highly personalized.

Scam Detector keeps you safer across text, email, and video, providing comprehensive coverage against multi-channel agentic AI campaigns. Beyond analyzing message content, our system evaluates sender behavior patterns, communication timing, and request characteristics that may indicate AI-generated scams. Just as agentic AI attacks learn and evolve, our detection systems continuously improve their ability to identify new threat patterns.

Protecting yourself from agentic AI scams requires combining smart technology with informed human judgment. Security experts believe it’s highly likely that bad actors have already begun weaponizing agentic AI, and the sooner organizations and individuals can build up defenses, train awareness, and invest in stronger security controls, the better they will be equipped to outpace AI-powered adversaries.

We’re entering an era of AI versus AI, where the speed and sophistication of both attacks and defenses will continue to escalate. According to IBM’s 2025 Threat Intelligence Index, threat actors are pursuing bigger, broader campaigns than in the past, partly due to adopting generative AI tools that help them carry out more attacks in less time.

Hope in Human + AI Collaboration

While the threat landscape is evolving rapidly, the combination of human intelligence and AI-powered security tools gives us powerful advantages. Humans excel at recognizing context, understanding emotional manipulation, and making nuanced judgments that AI still struggles with. When combined with AI’s ability to process vast amounts of data and detect subtle patterns, this creates a formidable defense.

Staying Human in an AI World

The rise of agentic AI represents both a significant threat and an opportunity. While cybercriminals will certainly exploit these technologies to create more sophisticated scams, we’re not defenseless. By understanding how these systems work, recognizing the new threat landscape, and combining human wisdom with AI-powered protection tools like McAfee‘s Scam Detector, we can stay ahead of the threats.

The key insight is that while AI can mimic human communication and behavior with unprecedented accuracy, it still relies on exploiting fundamental human psychology—our desire to help, our fear of consequences, and our tendency to trust. By developing better awareness of these psychological vulnerabilities and implementing verification protocols that don’t depend on technological red flags, we can maintain our security even as the threats become more sophisticated.

Remember: in the age of agentic AI, the most important security tool you have is still your human judgment. Trust your instincts, verify before you act, and never let urgency override prudence, no matter how convincing the request might seem.

The post How Agentic AI Will Be Weaponized for Social Engineering Attacks appeared first on McAfee Blog.

People under 60 are losing it online. And by it, I mean money, due to digital identity theft.

In its simplest form, your digital identity consists of a set of attributes that can be traced back to you and your identity. That can range from photos you post online to online shopping accounts, email accounts, telephone numbers, bank accounts, and your tax ID.

In this way, your digital identity is like dozens upon dozens of puzzle pieces made up of different accounts, ID numbers, and so forth. When put together, they create a picture of you. And that’s why those little puzzle pieces of your identity are such attractive targets for hackers. If they get the right combination of them, you can end up a victim of theft or fraud.

In this article, we’ll look into the kinds of information that include your digital identity, tactics to protect you from identity theft, signs that your identity has been stolen, and the steps to take to reclaim your identity.

What is digital identity?

Your digital identity is much more comprehensive than a simple username or password. Think of it as your complete digital existence, a unique combination of your information, behaviors, and digital traces that collectively represent who you are online. Unlike a single account that you create for one website, your digital identity encompasses every piece of data connected to you across the entire digital landscape.

Information that comprises your digital identity

• Personal identifiers: The foundation of your digital identity includes personal data such as your full name, address, phone numbers, Social Security number, and date of birth. These are the pieces hackers need to impersonate you for financial gain, making you a prime target for identity theft.
• Digital identifiers: Your usernames, email addresses, and social media handles create your online presence. These identifiers link your various accounts together, so when one gets breached, criminals can often trace their way to your other accounts.
• Authentication factors: Your passwords, security questions, passkeys, and multi-factor authentication (MFA) settings are the locks that protect your digital doors. When these are weak or reused across multiple accounts, you’re essentially giving criminals a universal key to your digital life.
• Device and network data: Your computer’s IP address, device fingerprints, browser settings, and network connections help legitimate services recognize you, but they also help criminals track your movements online and potentially hijack your sessions or attack you. Your phone’s unique device ID and browser’s specific settings and installed plugins also contribute to your digital identity.
• Behavioral signals: Beyond personal data, your digital identity extends to your behavioral patterns, such as the websites you visit, shopping and banking habits, the times you’re typically online, and even how you type or move your mouse. Each day you access healthcare portals or interact with government services online, you add data that creates a picture of who you are.
• Biometric information: Your facial recognition data and fingerprints also create a unique digital signature. While these enhance your security when used properly, they also represent permanent identifiers that can’t be changed if compromised. 
• Linked accounts and services: Your banking, shopping, healthcare, and government service accounts all connect to your core identity. Each account holds pieces of your identity that criminals can exploit. The more accounts you have, the more entry points exist for potential breaches.

The more aware you are of what makes up your digital identity, the better equipped you’ll be to keep those puzzle pieces secure and out of the wrong hands.

Applications of digital identity

Your digital identity is constantly at work in ways you don’t notice. Every time you log in to your bank, check your medical records, book a flight, or shop online, your digital identity verifies who you are and grants access to the services you need. With that convenience comes responsibility: the more places your identity appears, the more important it becomes to protect it.

• Banking and fintech: Your digital identity enables instant transfers, mobile check deposits, and personalized financial insights. While you gain convenience and speed, you’re sharing sensitive financial data and behavioral patterns online.
• Healthcare portals: Patient portals use your digital identity to provide secure access to medical records, prescription refills, and telehealth appointments. You benefit from coordinated care and easy access to your health information, but medical data breaches can have lasting consequences. 
• Government services: Digital identity streamlines tax filing, driver’s license renewals, and benefit applications through secure government portals. You save time and reduce paperwork, but government databases are high-value targets for cybercriminals.
• Travel and transportation: Your digital identity powers everything from Transportation Security Administration (TSA) PreCheck to mobile boarding passes and hotel check-ins. This creates seamless travel experiences and reduces wait times, but travel data reveals your location patterns and personal habits.
• E-commerce and shopping: Online retailers use your digital identity to offer one-click purchasing, personalized recommendations, and targeted promotions. You get convenience and a tailored shopping experience, but companies collect extensive data on your preferences and spending habits.
• Social media and messaging platforms: Social networks leverage your digital identity to connect you with friends, share content, and build communities around shared interests. However, these platforms collect comprehensive data about your personal life and relationships.

People under 60 are major targets for fraud

Here’s what’s happening: People under 60 were twice as likely to report losing money to online scams, and more than four times more likely to report losing money to an investment scam, and the majority of those losses happened in scams involving some form of cryptocurrency investments.

It’s no surprise that younger adults get targeted this way. They’re far more likely than any other age group to use mobile apps for peer-to-peer payments, transferring money between accounts, depositing checks, and paying bills. In short, there’s a lot of money flowing through the palms of their hands thanks to their phones, as well as their computers.

Protecting yourself from hackers and fraud means safeguarding your digital identity. And that can feel like a significant task, given all the information your digital identity contains. It can be done, though, especially if you think about your identity like a puzzle. A piece here, another piece there, can complete the picture (or complete it just enough) to give a hacker what they need to separate you from your money. Thus, the way to stay safe is to keep those puzzle pieces out of other people’s hands.

Signs your identity has been stolen

As I mentioned, the quickest way to understand what’s happening with your identity is to check your credit report. Identity theft goes beyond money. Crooks will steal identities to rent apartments, access medical services, and even get jobs. Things like that can show up on a credit report, such as when an unknown address shows up in a list of your current and former residences or when a company you’ve never worked for shows up as an employer. If you spot anything strange, track it down right away. Many businesses have fraud departments with procedures in place that can help you clear your name if you find a charge or service wrongfully billed under your name.

Other signs are far more obvious. You may find collection agencies calling or even see tax notices appearing in your mailbox (yikes). Clearly, cases like those are telltale signs that something is really wrong. In that case, report it right away:

• If you live in the U.S. and think that someone is using your personal information, visit IdentityTheft.gov.
• In Canada, visit the Canadian Anti-Fraud Centre for help.
• In the U.K., check out the Credit Industry Fraud Avoidance System.

Likewise, many nations offer similar government services. A quick search will point you in the right direction.

Another step you can take is to ask each credit bureau to freeze your credit, which prevents crooks from using your personal information to open new lines of credit or accounts in your name. Fraud alerts offer another line of protection for you as well.

Ways to protect your digital identity from hackers and fraud

It’s actually not that tough. With a few new habits and a couple of apps to help you out, you can protect yourself from the headaches and flat-out pain of fraud. Here’s a list of straightforward things that you can get started on right away:

1. Start with the basics: security software

Protect yourself by protecting your stuff. Installing and using security software on your computers and phones can help prevent a range of attacks and keep you safer while you surf, bank, and shop online. I should emphasize it again: protect your phone. Only about half of people protect their phones even though they use them to hail rides, order food, send money to friends, and more. Going unprotected on your phone means you’re sending all that money on the internet in a way that’s far, far less safe than if you use online protection.

2. Create strong passwords

You hear this one all the time, and for good reason: strong, unique passwords offer one of your best defenses against hackers. Never reuse them (or slight alterations of them) across the different platforms and services you use. Don’t forget to update them regularly (at least every 60 days)! While that sounds like a lot of work, a password manager can keep on top of it all for you. If your platform or service supports two-factor authentication, enable it. It’s an additional layer of security that makes hacking more difficult for cybercriminals.

3. Keep up to date with your updates

Updates pop up on our phones and computers nearly every day. Resist the urge to put them off until later. In addition to improvements, updates often include important security fixes. So, when you receive an alert on your device, update the operating system or app. Think of it as adding another line of defense against hackers who are looking to exploit old flaws in your apps.

4. Think twice when you share

Social media is a common channel for hackers to harvest personal information because people sometimes share more than they should. With info like your birthday, the name of your first school, your mother’s maiden name, or even the make of your first car, they can answer common security questions that could hack into your accounts. Crank up the privacy settings on your accounts so only friends and family can see your posts—and realize the best defense here is not to post any potentially sensitive info in the first place. Also, steer clear of those “quizzes” that sometimes pop up in your social feeds. Those are other ways that hackers try to gain bits of info that can put your identity at risk.

5. Shred it

Even though so many of us have gone paperless with our bills, identity theft by digging through the trash or “dumpster diving” is still a thing. Items such as medical bills, tax documents, and checks may still arrive in your mailbox. You’ll want to dispose of them properly when you’re through with them.

First, invest in a paper shredder. Once you’ve deposited the check or paid the odd bill online, shred it so that any personal or account information on it can’t be read (and can be recycled securely).

Second, if you’re out of town for a bit, have a friend collect your mail or have the post office place a temporary hold on it. That’ll prevent thieves from lifting personal info right from your mailbox while you’re away.

6. Check your credit

Even if you don’t think there’s a problem, go ahead and check your credit. The issue is that someone could be charging expenses to your name without you even knowing it. Depending on where you live, different credit reporting agencies keep tabs on people’s credit. In the U.S., the big ones are Equifax, Experian, and TransUnion.

Also in the U.S., the Fair Credit Reporting Act requires these agencies to provide you with a free credit check at least once every 12 months. Canada, the UK, and other nations likewise offer ways to get a free credit report. Review your options; you may be surprised by what you find.

7. Audit your public profiles

Do an inventory of your online presence by searching for your name, email addresses, and phone numbers across major search engines and social platforms. Review what information appears publicly on your social media accounts, professional profiles, and any other online accounts. This is your chance to remove the information that’s not relevant to the account. The FTC recommends conducting these searches regularly to understand what personal information is visible to others online.

8. Remove old and unused accounts

Web technology changes so fast that some websites become outdated. If you have accounts on any such website, delete them, especially on platforms that may have obsolete security measures. This reduces the number of places where your personal information could be compromised. If you can’t remember all your accounts, check your email for old account creation confirmations. There might also be tools that identify forgotten accounts across various services.

9. Opt out of data brokers

Data brokers collect and sell your personal information to advertisers and other companies. You can opt out of major data brokers like Acxiom, LexisNexis, and Spokeo by visiting their websites and following their opt-out procedures. The FTC provides guidance on how consumers can limit data-broker activities, though this process requires ongoing effort as new brokers emerge.

10. Monitor data exposures

Set up Google Alerts for your name and other personal information to track when your data appears online. Consider using identity monitoring services that alert you to potential data breaches involving your information. Regularly check your credit reports and bank statements for unusual activity, as these can be early indicators that your digital footprint has been compromised.

Taking control of your digital footprint requires ongoing attention, but these steps significantly reduce your exposure to identity theft and online privacy violations. Start with the actions that feel most manageable, then gradually work through the complete checklist to build stronger protection for your online presence.

Final thoughts

Protecting your digital identity is an ongoing commitment that requires constant vigilance and smart habits. By regularly monitoring your credit reports, using strong authentication methods, maintaining your privacy on social media, keeping your software up to date, and responding promptly to any suspicious activity, you’re building a robust defense against identity theft. With consistency, these protective measures will become your second nature over time. 

Safeguarding your identity becomes even easier with the right tools. Consider exploring comprehensive digital identity protection services that monitor your personal information across multiple platforms and alert you to potential threats in real time. With the combination of vigilant habits and reliable protection tools, you can confidently continue with your digital activities knowing your identity is secure.

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