Protect Your Online Privacy With Unique Passwords

A variety of passwords can keep one breach from spreading.

Accounts of security breaches at retailers and other businesses have become an ongoing saga. In a recent installment, Zappos.com said in January that hackers had tapped its database of more than 24 million users. Customers’ credit card information remained safe, but e-mail and billing addresses, phone numbers, and encrypted passwords may have been exposed.

That’s why it’s important to use a variety of passwords among Web sites. Zappos customer Alison McReynolds, for example, rests easier because she has unique passwords for online accounts that contain her most-sensitive data. A hacker who decoded her Zappos password wouldn’t be able to use the same one to access her e-mail—the most important type of account to protect because confirmations of your online activity tend to land there, says Adam Levin, chairman of Identity Theft 911.

Strong passwords guard against attacks. A random mix of numbers, symbols, and uppercase and lowercase letters is hard to crack but difficult to remember. You may more easily recall the first letters of a string of unrelated words, including a couple of numbers or symbols—but avoid anything obvious, such as your birthday or a pet’s name. Don’t store passwords in your e-mail in-box or on a piece of paper. Instead, use a hyper-secure program, such as www.keepass.info, www.clipperz.com or www.passwordsafe.com.

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Lisa Gerstner
Editor, Kiplinger Personal Finance magazine

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.