Protecting Yourself from Data Breaches: What You Need to Know
Data breaches have become increasingly common, affecting millions of people worldwide. Recently, a background check company experienced a massive breach, impacting nearly 3 billion individuals. This breach involved a vast compilation of users’ sensitive information, leaving them vulnerable to cybercriminals. Companies like AT&T and ADT, among others, have also fallen victim to data breaches, resulting in the theft of customer data.
The reality is that as a consumer, you often have limited control over these breaches. In many cases, you may not even be aware that your data has been compromised. However, if you discover that you are a victim of a data breach, it means that the company holding your data has been compromised, giving hackers and scammers access to your personal information.
So, what can you do to protect yourself in the aftermath of a data breach? Here are some essential steps to take:
1. Change your passwords: Start by changing the password for the affected account. While it is advised to use unique passwords for each account, many people still use the same password across multiple platforms. In this case, it is crucial to change the passwords for any secondary accounts that share similarities with the compromised one.
2. Enable two-factor authentication (2FA): Two-factor authentication adds an extra layer of security to your accounts. Even if someone has your password, they won’t be able to access your account without the second verification step. Opt for an authentication app over SMS-based codes, as phone numbers can be stolen and messages intercepted.
3. Monitor your accounts: It is essential to determine which accounts were affected by the breach. Websites like haveibeenpwned.com can help you identify if your credentials were compromised in a data breach. Even if you know which account was breached, check if there were any ripple effects on your other accounts. Contact the company that experienced the breach for additional information and recommendations.
4. Check your credit reports: In the worst-case scenario, a data breach can lead to identity theft. Monitor your credit reports for any signs of fraudulent activity. You can obtain a free credit report at annualcreditreport.com and use services like Credit Karma for daily updates on your credit score. If your identity has been stolen, contact your bank and credit institutions immediately to freeze your credit, apply for a new credit card number, and potentially close compromised accounts. Report identity theft at identitytheft.gov.
By taking these proactive steps, most individuals affected by a data breach can mitigate potential risks. However, it is crucial to remain vigilant and act swiftly if you suspect any unauthorized activity. Protecting your personal information is an ongoing process in today’s digital world, and staying informed and proactive is key to safeguarding your data.
