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Identity Guard - Protect Your Credit and Identity
Data Breach App Data Breach Victims: 10 Tips to Protect Your Credit and Identity Best Identity Theft Prevention and Identity Theft Protection App Provides The Only Comprehensive Identity Theft Protection Service, and Decreases The Likelihood of Victimization. Comprehensive ID Theft Protection Coverage Includes.
The notification that you've been affected by a data breach was a shocker, to say the least. But it is the unfortunate reality that identity theft is the fastest growing crime in the nation. The FBI has warned that there will be more announcements in the coming weeks.
This article will introduce you to 10 steps to protect your credit and identity.
1. Free Credit Monitoring
Consider credit monitoring a security system for your credit and identity, assets definitely worth protecting. You will be alerted when there are changes to your credit report that could indicate fraud.
If you've been offered complimentary credit monitoring be sure to ask whether one or all three credit bureau's reports will be monitored.
2. Request New Card and PIN
Hackers infected point of sale systems with viruses that copied your credit or debit card details and submitted them to their own database. Your information is likely in a pool of accounts now available on the underground black market for sale.
Contact your bank or credit card company and request a new card. Confirm that your mailing address has not been fraudulently updated.
Once the new card is received, create a hard-to-guess PIN. Avoid using street number, date of birth or last four digits of your Social Security number.
3. Add Account Alerts to Bank and Credit Card Accounts
The credit monitoring mentioned above does not include survey of existing credit card and bank accounts for suspicious activity. You must set up those alerts with the issuing institutions.
4. Obtain Identity Theft Insurance
Identity theft insurance is included in the free monitoring provided by breached intitutions. In the event your identity is stolen, it would cover recovery expenses such as: lost wages, legal fees and stolen funds not reimbursed by banks and/or credit card companies.