{"id":14374,"date":"2023-11-02T13:23:42","date_gmt":"2023-11-02T19:23:42","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=14374"},"modified":"2025-06-06T10:45:46","modified_gmt":"2025-06-06T16:45:46","slug":"shoulder-surfing","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/shoulder-surfing.html","title":{"rendered":"What is shoulder surfing and how does it threaten your security?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/08\/atm-pin-money-shoulder-surfing.jpg\" alt=\"\" class=\"wp-image-14376\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-57fd44bfd67daa5cd1b8a7d273db711d\" style=\"background-color:#00204f\">Shoulder surfing is the act of peering over someone\u2019s shoulder while they\u2019re entering personal information, like a PIN or password, in public. This allows thieves to commit criminal activity using your information.<\/p>\n\n\n\n<p>You\u2019re probably familiar with that suspicious feeling of someone looking over your shoulder. But you tell yourself there\u2019s no harm in someone being a little nosy, right? Unfortunately, someone can tell a lot from looking over your shoulder\u2014including your passcode, <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/4-things-identity-thieves-can-do-with-your-social-security-number.html\" target=\"_blank\" rel=\"noreferrer noopener\">Social Security number<\/a> and debit card PIN.<\/p>\n\n\n\n<p>This practice of looking over someone\u2019s shoulder to steal personal information is called shoulder surfing. Keep reading to learn more about how this happens and how to protect yourself from potential criminals.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"552\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-7.png\" alt=\"\" class=\"wp-image-20005\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-7.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-7-768x435.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-shoulder-surfing\"><a><\/a>What is shoulder surfing?<\/h2>\n\n\n\n<p>Shoulder surfing is the act of peering over someone\u2019s shoulder while they\u2019re entering personal information\u2014like a PIN or password\u2014in public. It\u2019s a practice commonly used by identity thieves to ascertain login credentials that are then used for <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/life-events\/scams-to-avoid-during-coronavirus.html\" target=\"_blank\" rel=\"noreferrer noopener\">scams<\/a>, fraud and other criminal activity.<\/p>\n\n\n\n<p>The practice of shoulder surfing began with telephone booths as people would enter credit card information or their PINs on the keypad. It then spread to other areas with keypads, such as ATMs and gas pumps.<\/p>\n\n\n\n<p>Today, shoulder surfing is even more common due to the prevalence of smartphones, tablets and laptops. <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-identity-theft\" target=\"_blank\" rel=\"noreferrer noopener\">Identity thieves<\/a> have mastered the art of subtle observation and keen listening, and they may even record people on a smartphone from a distance to review the footage later.<\/p>\n\n\n\n<p>The fact is, shoulder surfing may occur anywhere groups of people are gathered. A <a href=\"https:\/\/engineering.nyu.edu\/news\/tricking-eye-defeat-shoulder-surfing-attacks\" target=\"_blank\" rel=\"noreferrer noopener\">NYU Tandon School of Engineering<\/a> survey found that 73 percent of mobile device users had observed someone else\u2019s PIN\u2014although malicious intent was not always indicated.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"488\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-6.png\" alt=\"\" class=\"wp-image-20004\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-6.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-6-768x384.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-examples-of-shoulder-surfing-attack\"><a><\/a>Examples of shoulder surfing attack<\/h2>\n\n\n\n<p>Knowing which situations surfers take advantage of can help you stay vigilant and make safe decisions, whether you\u2019re using mobile banking apps or trying to pay a bill over the phone.<\/p>\n\n\n\n<p>Shoulder surfers may obtain sensitive information when people are doing any of the following:<\/p>\n\n\n\n<ul>\n<li><strong>Texting information or making purchases<\/strong> in a public space.<\/li>\n\n\n\n<li><strong>Entering login information<\/strong> on a mobile device, laptop or tablet in public.<\/li>\n\n\n\n<li><strong>Filling out forms<\/strong> that require personal information\u2014both paper and online.<\/li>\n\n\n\n<li><strong>Connecting devices to free, unsecured Wi-Fi networks <\/strong>and logging into accounts.<\/li>\n\n\n\n<li><strong>Verbally disclosing credit card information<\/strong> over the phone.<\/li>\n\n\n\n<li><strong>Discussing personal information on the phone in public<\/strong> or making purchases over the phone.<\/li>\n\n\n\n<li><strong>Keying in a PIN<\/strong> at an ATM, point-of-sale device or gas pump.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-prevent-shoulder-surfing\"><a><\/a>How to prevent shoulder surfing<\/h2>\n\n\n\n<p>Shoulder surfing is a unique threat, but it can be easily prevented with proper security measures. <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/news\/cybersecurity-survey.html\" target=\"_blank\" rel=\"noreferrer noopener\">Most Americans<\/a> don\u2019t know they\u2019ve been affected by a data breach, and many still make crucial financial security mistakes, so adequate awareness is key. Consider the following safety precautions to stave off sneaky shoulder surfers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-create-strong-pins-and-passwords\"><a><\/a>Create strong PINs and passwords<\/h3>\n\n\n\n<p>Use long PINs and passwords with a mix of uppercase and lowercase letters, numbers and symbols. Consider using a secure password manager that stores login information automatically, reducing the need for manual entry. Whenever possible, use biometric authentication like facial recognition or fingerprint readers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cover-keypads-and-touch-screens\"><a><\/a>Cover keypads and touch screens<\/h3>\n\n\n\n<p>Position yourself strategically when entering sensitive information. For example, if you\u2019re in a high-traffic area like an airport, sit with your back to the wall to mitigate the possibility of someone peering over your shoulder. If you\u2019re entering a PIN, cover the keypad with one hand while typing with the other. Additionally, consider a privacy screen filter for your computer or laptop, which prevents wandering eyes from reading your screen.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"488\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-5.png\" alt=\"\" class=\"wp-image-20003\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-5.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/11\/image-5-768x384.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-consider-contactless-payment\"><a><\/a>Consider contactless payment<\/h3>\n\n\n\n<p>Forms of contactless payment\u2014most notably, Apple Pay, Android Pay and Google Pay\u2014add another form of security to your transactions because they don\u2019t require you to enter a PIN or swipe a card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-don-t-disclose-personal-information-out-loud\"><a><\/a>Don\u2019t disclose personal information out loud<\/h3>\n\n\n\n<p>Avoid over-the-phone transactions that require you to speak or enter account information in public. When asked to share your Social Security number or account number in public\u2014like with a bank teller\u2014write it down instead of saying it out loud. Then, ensure the paper is shredded immediately after use. If you\u2019re ever suspicious of why you\u2019re being asked for sensitive information, ask. It may not be necessary.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-enable-two-factor-authentication\"><a><\/a>Enable two-factor authentication<\/h3>\n\n\n\n<p>Two-factor authentication (2FA) helps protect your accounts even if unauthorized users gain access to your password. If you\u2019ve enabled 2FA, it will send a one-time code to you via text or email if someone tries to log in to your account. If someone gets the login information for your banking app, they\u2019d also need access to your texts or email to log in.<\/p>\n\n\n\n<p>Always enable this feature so you\u2019ll know right away if someone else tries to access your accounts. If you ever receive a notification that someone is trying to log in, change your password immediately.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-avoid-transactions-on-public-wi-fi-networks\"><a><\/a>Avoid transactions on public Wi-Fi networks<\/h3>\n\n\n\n<p>According to our <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/millennial-spending-habits.html\" target=\"_blank\" rel=\"noreferrer noopener\">millennial spending habits survey<\/a>, 91 percent of millennials prefer shopping online. While encryption has made public networks safer, online shopping is still not risk-free. Approximately <a href=\"https:\/\/secgroup.github.io\/tlswebscan\/\" target=\"_blank\" rel=\"noreferrer noopener\">five percent<\/a> of the top 10,000 HTTPS websites have security flaws that make them vulnerable to criminal hacking. To be safe, ensure any transactions you make in public are on a cellular data connection.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-shoulder-surfing-can-affect-your-credit\"><a><\/a>How shoulder surfing can affect your credit<\/h2>\n\n\n\n<p>Shoulder surfers may misuse your sensitive financial information to make purchases using your account. Depending on the amount of information gathered, they may even open a new account or take out a loan in your name.<\/p>\n\n\n\n<p>If an identity thief runs up your credit card or exceeds the limit before you can catch it, it may cause your <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization<\/a> to increase, which may <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-affects-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">hurt your credit<\/a>.<\/p>\n\n\n\n<p>If the identity thief applies for new credit cards or loans, this would likely cause new <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/what-is-a-hard-inquiry.html\" target=\"_blank\" rel=\"noreferrer noopener\">hard inquiries<\/a> to appear on your credit reports. Your score could take a hit if there were multiple hard inquiries within a short period.<\/p>\n\n\n\n<p>If the criminal fails to make payments on your stolen credit account\u2014which is likely\u2014then your credit could see a serious dip until you can <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair\/clean-credit\" target=\"_blank\" rel=\"noreferrer noopener\">clean up your report<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Why is shoulder surfing a concern?<\/h3>\n\n\n\n<p>Shoulder surfing is a concern because most people won\u2019t realize someone has their information or password. This means it could take longer for the victim to realize if the shoulder surfer gains access to their accounts or banking information.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is shoulder surfing identity theft?<\/h3>\n\n\n\n<p>Shoulder surfing is a tactic identity thieves can use to get control of your accounts to steal your identity.<\/p>\n\n\n\n<p>When it comes to <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/how-to-prevent-identity-theft\" target=\"_blank\" rel=\"noreferrer noopener\">avoiding identity theft<\/a> and fraud, staying alert is crucial. If you suspect you have fallen victim to shoulder surfing, check your bank statements for any unusual activity. You may also want to review your credit report for any inaccurate information that could negatively impact your credit\u2014even if it wasn\u2019t your fault.<\/p>\n\n\n\n<p>Lexington Law Firm can help you challenge questionable negative items on your credit report. Explore <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair<\/a> options to get your finances back on the right path.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Shoulder surfing is when someone looks over your shoulder or eavesdrops to steal a PIN, password or personal information from a mobile device to commit a crime. <\/p>\n","protected":false},"author":63,"featured_media":14380,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[525],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Shoulder Surfing and How Does It Threaten Your Security? | Lexington Law<\/title>\n<meta name=\"description\" content=\"Shoulder surfing is when someone looks over your shoulder or eavesdrops to steal a PIN, password or personal information from a mobile device to commit a crime.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/shoulder-surfing.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is shoulder surfing and how does it threaten your security?\" \/>\n<meta property=\"og:description\" content=\"Shoulder surfing is when someone looks over your shoulder or eavesdrops to steal a PIN, password or personal information from a mobile device to commit a crime.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/shoulder-surfing.html\" \/>\n<meta property=\"og:site_name\" content=\"Lexington Law\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-02T19:23:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-06T16:45:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/08\/atm-pin-money-shoulder-surfing-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lexington Law\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#website\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/\",\"name\":\"Lexington Law\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.lexingtonlaw.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/shoulder-surfing.html#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/08\/atm-pin-money-shoulder-surfing-1.jpg\",\"contentUrl\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2020\/08\/atm-pin-money-shoulder-surfing-1.jpg\",\"width\":1500,\"height\":500},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/shoulder-surfing.html#webpage\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/shoulder-surfing.html\",\"name\":\"What Is Shoulder Surfing and How Does It Threaten Your Security? 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