When signing up for online bank accounts, new email addresses, or health insurance accounts, they all ask you or force you into using security questions to add an extra layer of protection to your account. The problem is that most these security questions are not very secure. The most common question is "Your mother's maiden name" and one that is easy to guess or research. In fact, if someone gains the correct access to your personal information, it can affect you credit score.
With that, we urge everyone to take matters into your own hands and make security questions more secure. How do you do that? Well, security questions often ask you questions about your life. This is information anyone can potentially figure out from your social media accounts or data breaches, like the Equifax hack. With all of that data online, figuring out the first car you bought, street you lived on when you were a kid, or favorite hobby can be easy. Basically, answering truthfully is a bad idea. Below is the best suggestion to make security questions more secure for you.
Seriously, just flat our lie on the answers. First car? List your favorite plane, boat, or motorcycle. First grade teacher? Use the name of your favorite pet or the most disagreeable phrase to describe your first grade teacher, like garbage dump. The point is, as long as the data is not common knowledge, something not searchable online or via your social media, it's a good answer. Incorrect answers are inherently more secure than truthful answers.
Keeping Track of the Lies
Here's the problem with using incorrect answers, it can be hard to keep track of all of those answers. We use 1Password to store all our passwords and security answers here in our daily lives. A password manager is an essential tool in today's world, assisting you in storing all of you passwords securely and helping you to create more secure passwords. Honestly, if you have a password manager, have it generate your "incorrect" security question answers. #$Adke@A is a much harder answer to guess than Jennifer, even though neither are the actual name of your high school prom date.
But what about security questions that have canned answers? Well, you still lie! Just note those answers in your password manager. If they give you an option to create a custom answer in addition to canned answers, then choose that option and create your random answer.
Stay safe out there!