When a database containing usernames and passwords is stolen or hacked, criminals often try using that list of usernames and passwords on hundreds of other companies' websites to see if they can get into any other accounts.
Don't use the same username and password combination on multiple sites, and avoid the most common passwords. For some fun reading, do an internet search for “most common passwords."
Use a password that is at least 8 characters long and contains an uppercase letter, a lowercase letter, a number, and a special character. As an example, pick eight characters (e.g., PB&J2eat), then add several characters from the site name that you are logging into. This way, you can still remember your password and it will be unique for each website.
In this example, we used “PB&J2eat”, plus a simple description.
- www.mypowercompany.com
PB&J2eatpower
- www.cellularphone.com
PB&J2eatphone
- www.yourbank.com
PB&J2eatbank
This way, if one of the companies got hacked, the other logins wouldn’t be compromised.
When Personal Identification Numbers (PINs) are needed, don’t use the most common PINs (like 1234) or all repeating numbers (1111, 7777, 5555, etc). Banking industry studies have shown that the top 10 most commonly used PINs account for over 25% of PINs used. If a criminal tries the top 10 of the most frequently used PINs, they have over a 25% chance of gaining access.