Being connected to the world of #onlineservices, everyone is now at risk of having their data stolen. So, if you think that your precious information like passwords, birthday, phone number and others have been compromised, here are tips on how we can protect ourselves from data breach.
1. Send up a red flag. Ask one of the #creditbureaus (Experian, TransUnion, or Equifax) to put a fraud alert on your account. The one you call will tell the others. And the alert will tell all future lenders that you’re on the lookout for potential identity fraud. So they should be extra careful before approving new loans or credit cards in your name. Plus, setting up an alert gives you free access to your credit report.
2. Tell important government agencies. Report any Social Security-related fraud or scams to the Office of the Inspector General. Also give the IRS a heads up. And let the Federal Trade Commission know via identitytheft.gov. Next, file a police report. Some creditors or banks might ask for one. And if you have any leads, it could help authorities catch the identity thieves.
3. Retire old passwords. It had to happen sometime. While you’re at it, switch up the answers to any site security questions. Things like your birthday, mom’s maiden name or an old street address can be Googled or found on social media.
4. Turn on multi-factor authentication, a.k.a. the setting that requires an extra verification code to log in. So even if a scammer knows your password, they won’t be able to get past the extra hurdle into your account.
5. Keep a close eye on your bank statements And jump on any sketchy activity. Banks have protections in place to refund fraudulent charges, if you tell them ASAP.
6. Request replacements – Play it safe by asking your bank for a fresh new card and account number sooner rather than later. And make sure you change your account pins and passwords periodically to help keep your money and personal info safe.
If you think you’ve been affected by a data breach or scam, act fast. And if your info has been compromised, then Rod Mercado and his hardworking team comes to our rescue with programs to help you with your financial problems.
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