Data breaches are becoming more common, and protecting yourself and your personal information from data breaches is important.
Here are some steps you can take to significantly reduce your risk of falling victim to a data breach:
- Use strong and unique passwords: Avoid using the same password for multiple accounts.
- Enable two-factor authentication (2FA): This helps add an additional layer of security.
- Be cautious of phishing attempts: be wary of unsolicited emails, texts, or calls asking for personal information. Never click on links or download attachments from unknown resources. Carolina Federal Credit Union will never call you and request personal information such as your full Social Security Number, Driver’s License Number, etc.
- Monitor your credit and accounts: Regularly check your credit union and bank statements, credit reports, and online accounts.
If you suspect your personal information has already been stolen, take a breath and follow these steps:
- Freeze your credit report at no cost: freezing your credit report is generally a good idea. It helps prevent potential identity thieves from opening new accounts in your name. The three major credit bureaus are listed below. You’ll need to provide personal information to verify your identity. Keep in mind that if you plan to apply for a new credit card or loan, you’ll need to lift the freeze temporarily.
- Experian: https://www.experian.com/
- Equifax: https://www.equifax.com/
- TransUnion: https://www.transunion.com/
- Alert your financial institution: let Carolina Federal Credit Union know your account may have been compromised. This way, we’ll know to keep an eye out for signs of fraud and place a password on your account.
- Change your passwords: A data breach generally means passwords of all kinds may have been compromised. It’s best to change as many as possible after a breach to keep your information and money safe. Start by changing passwords you are sure were a part of the breach.
- File an identity theft report: If you believe your identity has been stolen, file an identity theft report with the Federal Trade Commission (FTC) as soon as possible.