In todays ever growing world of identity theft, we've been told, suggested to, encouraged and down right scolded to protect yourself from giving out too much personal information in fear of someone "becoming" you, stealing your identity and basically maxing out, then ruining your credit before you even realize it.
You not only have to be vigilant, you have to be smart and cautious at the same time all the while trusting your spidey-sense as to what you could/should believe to prevent anyone phishing information from/about you.
Not only do you have to remembah uku-billion passwords at home AND at work, you have to give out personal information such as mother's maiden name, pet name, high school attended and da like wit nearly every single "account" you have from cellular service to an electric bill to even taking off your pants.
Ok, da last no need security.
I'm not against - in fact I'm all for it - any kine of financial institution or any kine of account asking/requiring we have these questions "on file" so dat they may "access our account" but I am against having to repeat account information wit every transferred call! Don't you hate wen dat happens? You pass all da security questions only to have to repeat it to anoddah department which in turn grills you like you were a terrorist wen all you wanted to find out is wat's wrong wit a product or service.
Wassup Wit Dat!
I recently got a call and it went something like dis:
CALLER: May I speak to *murdered my first name* Kwon?
CALLER: My name is blah calling from blah, for security purposes, may I have the last four of your social?
BL: No. Wat is dis about?
CALLER: If I can get the last four of your social, I can tell you what I'm calling about.
BL: Look, you're calling me. I didn't call you so why would I give out that information? If you can't tell me what it's about, I'm not going to give up my personal information freely.
CALLER: Without you verifying the account, I cannot tell you what it's about. If you don't feel comfortable, please call ***-****.
BL: Wait, you called me wanting information to access MY account and now you want me to call a number YOU'RE providing to access my account? Does dat make any sense? If you say who you are, I'll find da numbah and call da numbah we have.
CALLER: *short silence as I'm tinking he's nevah heard dat answer before*
BL: Look, I know wat you're calling about (already deduced dat from da company name) and we already took care of it last week.
CALLER: Is there anything else I can help you with?
BL: *Really???* No, thank you.
WASSUP WIT DAT!!!
Security questions suck.... but wat you gonna do eh?
HINT HINT: I read once - and have been doing it evah since - dat wen creating answers to "security questions", you are not required to give an answer to da direct question. For instance, one of da most popular question dat you fill out wen asked is "wat is your mother's maiden name?". Granted that in itself is a question most people wouldn't know but it is a question asked most frequently hence becoming an answer USED most frequently resulting in it being "out there".
How do you avoid it?
By using watevah answer you like!
Next time you gotta fill out any kine of confidential papers and need to fill out a security question, answer 'em wit an answer nobody would even tink of but da catch? You bettah remembah it.
For instance, mother's maiden name. "None of your business". Pet name? "Okole". Where did you go to high school? "Point Panic".
How can you do dat? Tink about it..... ONLY YOU FILL OUT DA ANSWERS! They don't ask if das your mom's real name. They not going tell you call out your pet's name and check to see if s/he comes and they definitely not going look for a yearbook wit you inside of it.
Da questions are based on answers YOU'D recall da bestest so why not create answers no one would tink of or could easily look up via da internet but something you find amusing and can remembah more easily all da while having a bit of fun wit it?
Trust me, saying "None of your business" wen they ask you security questions feel kinda good and garantee fo' make you smile.
Go try 'em go try 'em go try 'em go but no blame me if you no can remembah your "new" password eh?
My name's Braddah Lance......... and I approved dis message.