If you’re informed that your data has been exposed in a data breach, taking immediate action can help protect you from potential harm, such as identity theft or financial loss.
Here are the key steps you should take:
- Secure Your Accounts:
- Change Passwords: Immediately change passwords for affected accounts and any others where you might have used similar credentials. Use strong, unique passwords for each account, incorporating a mix of letters, numbers, and symbols. Consider using a password manager to help generate and manage these complex passwords.
- Enable Two-Factor Authentication (2FA): Where possible, enable 2FA on your accounts for an extra layer of security. This requires a second verification step, like a code sent to your phone, in addition to your password. For increased security, consider using authenticator apps instead of SMS-based codes.
- Monitor Financial Accounts and Credit Reports:
- Review Financial Statements: Regularly check your bank and credit card statements for any suspicious transactions you don’t recognize. Report any fraudulent charges to your financial institution immediately.
- Get Your Free Credit Reports: You are entitled to free weekly credit reports from the three major credit bureaus (Equifax, Experian, TransUnion) through AnnualCreditReport.com. Review them carefully for signs of fraud, such as unfamiliar accounts or inquiries.
- Consider Credit Monitoring Services: Some companies offer free credit monitoring after a data breach. This can alert you to changes on your credit reports. You may also want to consider paid identity theft protection services for broader monitoring.
- Stay Vigilant Against Scams:
- Beware of Phishing: After a breach, be cautious of communications that seem to be from the breached company or offer assistance, as they might be phishing attempts.
- Verify Communication Sources: When in doubt, contact organizations directly using official contact information (e.g., website or phone number on your statements) instead of clicking on links in emails or texts.