Your first line of defense against identity theft is your password. In fact, if you want to protect your sensitive data, your password is extremely important.
One of the reasons that the Heartbleed vulnerability was so scary was that it had the potential to expose your passwords to hackers and scammers. If you want better password security, consider implementing the following tips:
1. Don’t Use the Same Password for Everything
One of the oldest tricks in the hacker book is to get one username and password combination. Many people use the same information to protect multiple accounts. If someone manages to hit upon your username and password for one site, s/he can simply try a bunch of other major sites, using the information, and checking to see if it’s possible to get in.
If you want to protect yourself from this sort of problem, it makes sense to use different passwords for different sites. It’s not fun to remember all those passwords, but it’s safer. There are a number of tools, such as 1Password, that can help you keep track of everything easily, while still allowing you to protect your personal information with good password security.
2. Change Some of Your Passwords Regularly
Next, make sure you change some of your passwords regularly. Some passwords don’t actually need to be changed all that often. Interestingly, studies indicate that changing a bank password every three to six months might not matter.
However, it does make sense to change your password to email, social media, and other similar services regularly because these are accounts that people will wait around to “listen” in on. Switching it up can confound someone who is waiting for you to divulge important information via these accounts.
3. Choose Something Unconnected to Your Life
Many people choose their pets’ names, kids’ birthdates, and other publicly available information for their passwords. While this can make it easier to remember, it also makes it easier for scammers and hackers to guess your password. If you want better password security, you need to move away from your life as a source for inspiration.
When you choose a password that can be cracked by personal information that someone can glean by looking at your Facebook profile or reading your blog, you are setting yourself up for difficulty. Instead, choose passwords that are unconnected to your life, and make it a point to keep them as random as possible. If you have a password tool, it can help you keep track of those unusual passwords more effectively.
4. Make It Long
One of the keys to a more secure password is length. Many web sites require that you choose a password that is at least six or eight characters. This is because the longer a password is, the more combinations are possible — and the harder it is to crack.
So, even though the web site might impose a minimum on you, that’s no reason to just stick with the minimum. In fact, there are indications that you should have a password of at least 12 characters for best effect.
Once again, it’s important not to put memorability above security. In today’s world, since almost everything important is online, you really do need to protect yourself. Make your password as long as you can (many sites have a 16 character limit) and use a password tool to help you keep track of everything.
5. Mix It Up With Letters, Numbers, and Symbols
Mixing it up can make your password even harder to crack. Rather than using all numbers or all letters, mix it up a little. Incorporate number, letters, and symbols into a your password. And try to make it random. It’s much harder for someone to crack a password like 6Th*1s_dM&2x than it is if you use something like Grizz1989.
A combination of upper case and lower case letters is a good idea as well. Try to make your password as random as possible, since that will make it harder to crack. Some web sites won’t let you add symbols to your password, you might just have to work with letters and numbers. But with a good mix and a little randomness with your capitalization, you can still create a pretty decent password.
When I first attended college, my student ID number was my Social Security number. This seemed a little sketchy to me, but I was 18, and I didn’t worry too much about it. A couple years later, they school changed its policy and we all got new student ID numbers that didn’t list our Social Security numbers.
On top of that, I’ve noticed that there is an option to include the Social Security number on your driver’s license in my state. I always check the box that says no, I do not want my SSN visible. I’ve become very protective of my SSN because I know how it can be used to steal my identity and open fraudulent accounts.
However, sometimes I feel as though I’m fighting a losing battle because Social Security numbers have basically become ID numbers. When the SSN was originally introduced, it wasn’t supposed to be a national ID. But with the digitization of information, and the rise of the credit industry, it’s been easy for the SSN to become the de facto national ID.
The good news, though, is that you don’t really need to provide your SSN every time it’s asked for. Just as there’s no need to write out your credit card number anymore, there is also no reason to share your SSN with anyone who asks. And if someone tries to tell you that your ID number is the same as your SSN, you usually have the option of asking them to assign you a different number for identification. There’s no reason to just hand over your personal information just because you’re asked. With data breaches becoming increasingly common, now is the time to take a deep breath and determine whether or not you really want to share your SSN.
Who Needs Your SSN?
When I go to the doctor, and fill out the information form, there is a space for my Social Security number. However, I usually leave that blank. My doctor doesn’t need my SSN; the office already has my insurance information. Likewise, the doctor also doesn’t need my spouse’s SSN (which is also asked for on the form).
In many cases, sharing your SSN isn’t very necessary. If you have a government issued ID, and other forms of identification, using your Social Security number as another form isn’t exactly required in most cases.
Unfortunately, there are times when you have to share that information. If you want to open a bank account or apply for credit, you will need to share your SSN, since that is the main way that credit reports are looked up. (This is something that probably ought to be changed.)
Additionally, you need to give your SSN to your employer. When you are hired, and filling out paperwork that results in your FICA taxes (which include money being taken out for Social Security), you need to provide your SSN.
However, even when you are in a situation where your SSN is required, you can still be careful. One common scam is for someone posing as an employer to ask for your Social Security number on the application. The reality is that you shouldn’t need to provide that information when you’re applying for a job. If someone asks for that information before you are hired, it makes sense to be very, very careful. You could be dealing with a scammer.
Your SSN and Your Business
If you own your own business, one of the best things you can do is get an Employer Identification Number (EIN). You should use your EIN for all business-related items. Filling out a 1099? Use your EIN. Signing up for credit or working with vendors? Provide your EIN. This is a good way to keep your personal Social Security number more protected.
Even if you are a sole proprietor, it makes sense to apply for an EIN, just so that you can use that number, instead of spreading your SSN about.
And, of course, you want to make sure that you keep tabs on your credit, just to make sure that your identity hasn’t been compromised.
One of the scariest financial prospects that many of us face is the possibility that we will be a victim of identity theft. In a world where almost anyone can have their information stolen from just about anywhere, it’s not much of a surprise that your information could be next.
Identity theft is such an important topic that the Justice Department has an entire information resource devoted to identity theft statistics. When you’re concerned about your identity, and how it might impact your credit, it can make sense to consider paying for a credit monitoring service.
What Does a Credit Monitoring Service Do?
A credit monitoring service basically scans your credit report regularly and makes an attempt to identify red flags that indicate your identity has been stolen. When a new account is opened, or when someone checks your credit, you are notified.
While credit monitoring won’t stop your information from being stolen by hackers or through something like the Heartbleed vulnerability, it can provide you with immediate information that you can act on quickly. When it comes to heading off identity thieves and limiting damage, the faster you act, the better off you’ll be.
There are also more advanced credit monitoring services that go beyond just your credit report. More advanced identity monitoring services actually keep an eye on your public records, and make it a point to even use algorithms to check through black market sites and look for other unusual activity that might indicate your identity has been compromised.
A credit monitoring service can help you keep tabs on your information, providing peace of mind.
Can You Monitor Your Credit Yourself?
Of course, a credit monitoring service isn’t going to do anything for you that you can’t do on your own. It’s possible for you to keep tabs on your situation for less than it costs to pay for credit monitoring.
You can access your credit report for free on a regular basis through AnnualCreditReport.com, as well as use free consumer credit reporting sites to keep tabs on your credit report and use it to watch for identity thieves.
It’s also possible to do your own public records search and watch for suspicious activity on your bank and credit card statements — and even your investment statements.
However, all of this takes time and effort. Yes, you can do it yourself, but you can’t be watching all the time. If you check in once a month with your accounts, and even if you use various tools to protect you against identity theft, you could still miss something. And, if you only check in once a month, you might miss a red flag that pops up a day or two after you last checked. That gives the thief almost a month’s head start on you.
In most cases, though, if you report fraudulent charges on credit cards (the rules are different for debit cards) within 60 days, you won’t be liable for most of the charge. But it can be a real pain to deal with during that time.
The point of a credit monitoring service is that it provides immediacy, while taking the bulk of the legwork off of you. While a service can certainly miss something, it is less likely to miss something than you are. Additionally, there are services that provide an immediate alert when a new account is opened, or when some other action takes place. This can help you get on top of the situation immediately.
Most people who sign up for credit monitoring services do it for the peace of mind, and to get a break from some of the workload. Whether or not a credit monitoring service makes sense for you depends on how concerned you are about identity theft, and how much time you have to complete the due diligence that is required to properly monitor your own credit.
By now, you’ve probably heard about Heartbleed, the security vulnerability that affects more than 66 percent of the sites on the Internet. Heartbleed is a vulnerability in the OpenSSL software that is popular for web site encryption.
While it’s tempting to swear off the Internet forever, that’s probably not a viable option. Instead, it makes more sense to be careful about how you use the Internet, and take steps to protect your information and your identity. Here’s what to do if you are concerned about Heartbleed:
First of all, don’t panic. The Heartbleed vulnerability only allows someone to grab 64k of data at a time. But here’s the thing: It’s only random data. The person exploiting Heartbleed can’t choose which data to grab. Of course, different data can be grabbed from the server over and over again, and the exploiter is bound to come up with something “good” at some point.
From the NSA to hackers, the Heartbleed vulnerability has been available for more than two years. While some of your information might be out there, and your identity might be compromised, you don’t want to over react. Take a step back, avoid panicking and move forward.
Find Out Which Sites are Vulnerable
Next, you need to figure out which sites are vulnerable to Heartbleed. A number of sites have already fixed the problem, so it might not be an issue. Unfortunately, you can’t rely on the old methods of determining web site security to find out if there is a Heartbleed problem.
The good news is that there are lists and web apps that can help you check for Heartbleed vulnerability, letting you know if something needs to change. You can also read this helpful guide from IT World, which takes you beyond the lists and apps, which might not always be completely accurate.
You can also install a plug-in from Chrome or Firefox to help you identify sites vulnerable to Heartbleed as you surf.
Find out which of your heavily used sites are vulnerable, and then go from there.
You will need to change your passwords on sites that are vulnerable to Heartbleed. However, realize that this doesn’t do you much good until after the site has updated its OpenSSL to reflect the fix. Until the site itself has updated, changing the password won’t help much.
Once the site is updated, you need to change your password. One of the best things you can do is to use different passwords for each site. This is because many hackers know that consumers often use the same username/password combo on multiple sites. Cracking one could open up your entire life. Don’t let that happen.
Good password practice is to choose a different password for each site. If you don’t want to try to keep track of them all, identity theft tools like password managers can help you keep different passwords without having to memorize them all, or hunt them up on a piece of paper.
In any case, you should rotate your passwords regularly, at least every six months, for maximum security and identity protection. Even without Heartbleed threatening your identity, you should pay attention to your passwords and change them regularly.
Keep Tabs on Your Credit Report
Finally, make sure that you keep tabs on your credit report in order to catch potential identity theft. This is a good idea anyway. Watching your credit report can send up red flags if your identity has been stolen and someone is opening fraudulent accounts.
You can keep watch on your credit situation with the help of free resources, as well as paid resources that can monitor your credit for you, and send regular reports.
You should be concerned about Heartbleed, and you should pay attention. However, you shouldn’t panic. Take appropriate steps to safeguard your information, and focus on good password practices, and you should be able to weather the storm.
You might be surprised to learn that your credit report can help you catch identity theft. One of the tools in your arsenal, when it comes to addressing identity fraud, is the frequent checking of your credit report. Your credit report is more than a list of your accounts; it can also be a red flag.
Catch Identity Theft
When your identity is stolen, the fraudster is likely to use your information to open new accounts. These fraudulent accounts will appear in your credit report.
If you want to catch identity theft early on, you need to regularly check your credit report. You can get help in that area by going to AnnualCreditReport.com for the free report you are entitled to each year from each of the major credit reporting agencies.
Go through the information in the report, keeping an eye out for accounts that you know you didn’t open. If you see accounts that aren’t yours, you need to let the credit reporting agencies know. Call them, and then follow up in writing.
It might be necessary to place a credit freeze on your account if you are concerned that it could happen again. With a credit freeze on your account, you will be notified before a new account can be opened using your information. That can prevent another situation in which your identity is stolen and used to open credit in your name.
You might just red-flag your account as well, instead of placing an all-out freeze on the account. With the red flag, lenders are supposed to take extra steps to ensure your identity before opening an account in your name. It doesn’t always work as effectively as a credit freeze, though.
Even if you place a freeze on your account or have it red flagged, it still makes sense to keep tabs on what’s happening with your account. The good news is that there are plenty of web sites where you can keep tabs on your credit for free. While it’s not the same as looking at a full credit report, it can still be helpful, since you can usually see when something new pops up, and identify changes to the situation.
Your credit report is your first line of defense when you want to catch identity theft early on. Regular attempts to keep tabs on your report, and what’s in it, will allow you to identify problems quickly and move to take care of them.
Fraudulent Charges: Check Your Account Statements
While you do want to check your credit report regularly in order to identify fraudulent accounts, you also need to keep up with your account statements to make sure that you can see fraudulent charges.
While your credit report can help you catch identity theft as it relates to new, fraudulent accounts, it won’t provide you with information on fraudulent charges. For that, you need to check your accounts regularly. Go through your bank and credit card account statements on a regular basis so that you can see what’s happening with your purchases.
Sometimes, instead of opening a new account in your name, an identity thief will just take information about your credit cards and make purchases with that information. You will want to catch that type of identity theft early on and dispute the charges. If you catch it early enough, you can get your zero liability fraud protection in full, and avoid being responsible for the charges.
Your credit can be an indicator that your identity is being tampered with. You need to keep track of what is happening with your credit, and be sure that you are on top of the situation. Check your credit report every three or four months to see if there are fraudulent accounts. Check your account statements each month for fraudulent charges. You can even use the Internet to check your account charges more frequently, if it makes sense for you.
There is no way to completely prevent identity fraud; it is only with vigilance that you can expect to catch identity theft.
One of the best things you can do to protect your identity while shopping online is to make sure that you are using a secure website.
While there is no full-proof way to keep your identity safe, you can reduce the chances that your identity will be stolen when you take appropriate precautions. Shopping online is convenient and usually safe — as long as you make sure you are on a secure website.
Before you enter your credit card information and other personal information, make sure you are on a secure page with the help of these indications:
One of the easiest ways to see if you are on a secure website is to look at the address bar. Does it read “http” or “https”? The secure version should have the “s” at the end of “http.”
When you first start shopping on a website, it might not be secure. That’s usually not a problem. It really matters when you are ready to check out. As you switch to the page that requires you to enter payment information, you should watch for the addition of the “s.” If it doesn’t show up, don’t enter your sensitive information; it might not be secure.
You should also check for the “s” when you prepare to enter login information. This will reduce the chances that your user ID and password will be compromised. Remember that you want to protect your user ID and password just as much as you want to keep your payment information as safe as possible.
Another thing to watch for near the address bar is a lock icon. This is a simple icon that looks like a padlock. If the website is secure, the lock will be shut. However, if the page you’re on isn’t secure, the padlock will be open. Get used to checking for the icon in order to identify secure pages. Don’t enter any personal information that you want kept private until you see that locked icon.
You can also click on the icon to make sure that that it is legitimate. In some cases, fraudsters try to build websites that imitate some of the icons, using graphics that look like padlocks. You can click on the icon to see the security information about the site. If there isn’t security information, or if there isn’t the letter “s” in the “http” portion of the address, that could be an indication that you are on a fraudulent site.
Once again, just looking for an official looking graphic isn’t a sure way to make sure that you are on a truly secure website. However, if you combine your search for third-party verification with the address bar and lock icon, you are more likely to determine if the website is secure. These third-party verifications can offer you peace of mind, and indicate that the website keeps up-to-date with the latest online security practices.
These seals are difficult to duplicate, but that doesn’t mean that it isn’t possible. Take precautions by checking other aspects of the website to ensure that you are on the right track for a secure browsing experience.
Leave the Site if You Aren’t Sure
If you think something looks “off,” or if you are uncomfortable with the information that is being asked of you, leave the site immediately.
Don’t enter information into a site that you aren’t sure of. You want to feel confident about the situation, and if you don’t, go with your gut and leave.
No matter how hard a retailer or website operator tries, though, there is a chance that you will be a victim of a data security breach, or that some issue will arise. Pay attention to these situations, and make sure to change your password regularly. Also, try to avoid using the same login information for multiple sites.
Another strategy is to use one card for all of your online shopping. That way, if one card is compromised, you aren’t trying to fix the problem on multiple cards.
With a little extra vigilance, it’s possible to reduce the chances that an insecure website will result in identity theft.
Data breaches have been big news recently. However, even with some heightened concern about security, it doesn’t appear that many consumers are doing much to change their habits, and they are unlikely to stop using plastic.
According to a poll reported by Daily Finance, it appears that only 37 percent of consumers are increasing their use of cash to protect themselves from the identity theft that can come as the result of a data breach.
More people seem to be worried about purchases made online, or made with a cell phone — in spite of the fact that, initially, the Target data breach was only supposed to have affected in-store shoppers.
Why Consumers Still Use Plastic
The only way to completely protect yourself from these types of data breaches is to stop using your credit cards and debit cards. Many consumers, though, don’t want to deal with the inconvenience that often accompanies using cash.
It’s much easier to just carry a thin piece of plastic, rather than a wad of cash. I know that I wouldn’t want to carry around a thick stack of cash. Swiping the plastic is so much more convenient. It’s faster, it’s easier, and you don’t often have to worry about getting caught without enough.
On top of that, even with the data security breaches, plastic is actually more secure than cash. Think about it: If someone steals your credit card or debit card, you can usually get the money back. Fraudulent transactions come with protection. Even though you might not get quite the same protection with debit cards as you would with a credit card, the reality is that you are still protected. As long as you can prove fraud, that money will be returned to you eventually.
With cash, the money is gone. There is no way to track that. If someone steals your wallet and takes the cash, you’re never getting that back. You’re better off having someone make a fraudulent purchase of $100 with a credit card than you are with someone taking $100 from your purse. When you consider this, it doesn’t make sense to stop using plastic.
Using a credit card instead of a debit card offers another layer of protection, since the money isn’t even taken out of your bank account. With a fraudulent debit transaction, you actually lose the money until the bank returns it. With a credit card, you don’t even have to risk your own money.
More Troubling: Few Consumers Checking Their Credit Reports
It’s not all that troubling (and not very surprising) that consumers aren’t making huge strides stop using plastic in the wake of these data security breaches.
What’s worse is the fact that many consumers aren’t taking any steps to protect themselves at all. Only 41 percent have checked their credit reports, according to the Daily Finance article. In spite of the fact that Target is offering credit monitoring services, and it’s fairly easy to use AnnualCreditReport.com and other credit monitoring tools to stay on top of the situation, most Americans are changing anything.
Also problematic is that Daily Finance reports even fewer consumers have changed their passwords at compromised retailer sites, and that they haven’t requested new debit or credit card numbers. Years ago, when the PlayStation Network data breach compromised my credit card information, I called my issuer and immediate got a new number and a new card. It took no more than 10 minutes and was free.
Change Your Behaviors
No, you don’t have to convert to cash in order to protect yourself from identity fraud. However, you do need to make some changes to your behaviors in light of the recent data breaches. For the most part, these changes amount to paying better attention. Here are some things to do:
- Carefully review transactions on your statements, looking for fraudulent charges.
- Check your credit report regularly.
- Notify card issuers and credit bureaus immediately if your information is compromised.
- Use different username/password combinations for different sites.
- Change your passwords on occasion.
Just paying attention to what’s happening can help you combat identity theft. It doesn’t have to take a lot of your time. If you are truly concerned about the time investment, you can consider signing up for credit monitoring so that you don’t always have to be on your toes.
Whatever you decide to do, though, it’s important to be aware, and to take steps to do what you can to protect yourself.
Now that April 15 is fast approaching, you probably have a lot on your mind. One of the things probably not on your mind during tax time is identity theft. This makes sense in a lot of ways; after all, what kind of mischief can fraudsters make in terms of your tax return?
Unfortunately, the reality is that tax time is a prime time for identity theft. If you aren’t careful, you could hand your vital personal information over to a scammer. On top of that, you might find that ID theft has resulted in someone else claiming your tax refund.
Tax Preparer Fraud
One of the things that you have to be on the watch for is tax preparer fraud. In these cases, a shady tax preparer promises you a bigger refund. Unfortunately, the methods used to obtain the bigger refund might not be IRS-approved.
A tax preparer might inflate your deductions, or misrepresent your income as lower than it actually is. In some cases, shady tax preparers claim credits that you aren’t entitled to. When the paperwork is done, the preparer shows you how big your refund is, and you are thrilled.
Unfortunately, if the IRS catches out the return, you will be on the hook for the penalties and interest. Plus, an accountant shady enough to resort to these tricks to inflate your refund isn’t likely to represent you to the IRS. You’ll be on your own.
Be especially wary of accountants that offer to prepare your return for “free” in return for a percentage of the refund. You’ll be charged up front, based on the amount you are shown. If you pay based on that wrong information, you will be out even more when the IRS rejects your paperwork.
On top of this, some fraudulent preparers will steal your personal information.
Scams to Get Your Personal Information
Some tax time identity theft scams go beyond just trying to get you to pay a little extra. There are tax preparers that are outright scammers. They tell you they are preparing your return, but really they want your information.
Your tax return is a huge source of sensitive personal information. Your name, address, Social Security number, and other information is shared on the form. If you want to receive your refund via direct deposit, even your bank account and routing information is included.
All a fraudster has to do is get the information for the tax form and then take off with your identity. Your return might not even get filed in this case, and then you’re on the hook for a failure to file on top of everything else. Watch out for tax preparers that approach you at community events, or that are willing to come to your home. Be sure to vet an accountant or tax preparer before entrusting him or her with your most personal information. Otherwise, you could find yourself a victim of identity theft.
How Safe is Your Tax Refund?
Another tax time identity theft scam that might impact you is refund fraud. With this type of identity fraud, the scammer uses your Social Security number and name to claim a refund. He or she simply fills out the Form 1040 using your information, and has the refund sent to his or her address.
When you file your own taxes — legitimately — you end up having your return rejected. The IRS thinks that you have already filed and received your refund. When you find that someone has claimed credits and a refund in your name, you need to act fast. You will need to prove your identity and file a Form 14039. Make sure you do it as quickly as possible.
A Note on Tax Time Phishing
Finally, be aware that phishing is a common way for identity fraudsters to try and get personal information. You’ll receive a scary-sounding email that says that there’s something wrong with your refund, or that you owe taxes and are facing jail time. You’ll be asked to click on a link and provide personal information an ID thief can use.
Realize that the IRS won’t ask for this information via email. If you are to receive an official communication of this nature, it will be via snail mail.
Be on your guard. Tax time identity theft is a very real threat to your finances.
Recent months have been full of news of data security breaches. The recent spate of security breaches started with Target, but there have been other incidents in recent weeks, including hobby chain Michaels and the upscale retailer Neiman Marcus.
The worst part about these data security breaches is the fact that there isn’t a whole lot you can do — unless you completely stop using your credit cards and debit cards, and you stop shopping online. Even being on a mailing list can result in identity fraudsters getting a hold of your name and address, and then using that information to attempt to steal your identity.
Officials are ramping up efforts to force retailers to let consumers know about these data security breaches in a timely manner, so there is a good chance that you will be notified when your information is exposed.
Once you understand that there is a data breach compromising your information, it’s time to take action. Here are 5 things to do if you are a victim of a data security breach:
1. Check Your Statements
You should be checking your statements regularly any way, but it’s especially important after a data security breach. Keep an eye on purchases, and make sure that there are no unexpected transactions.
If you don’t want to wait for your statement, go ahead and log on to your online account management to keep up with new transactions. The faster you identify fraudulent charges, the faster you can move on to step two.
2. Report Fraudulent Transactions
When you notice transactions that shouldn’t be there, you need to report them ASAP. Realize that your $0 fraud liability might be different with a debit card than with a credit card. Your reporting window might be smaller with a debit card, so you really need to be on top of it.
The faster you report fraudulent transactions, the sooner you can get things cleared up, and get your money back.
3. Get a New Account Number
If you’ve been a victim of identity fraud, it’s time to get a new account number so that the transactions can stop. Most issuers will give you a new account number — and a card to go with it free of charge — as soon as you report a fraudulent transaction.
Even if you haven’t noticed fraudulent activity on your card, it might be worth it to get a new account number anyway if you have been involved in a security breach. Sometimes, fraudsters will wait a few months before using the information obtained. It’s better to just get a new account number now, rather than be forced into it later. Getting it over with can be one way to proactively avoid problems later.
4. Check Your Credit Report
In some data security breaches, card information isn’t taken. Instead, information that can be used to open new accounts is taken. This means that you need to check your credit report to find out if someone has been opening fraudulent credit accounts in your name.
You can check your credit report from each bureau for free once a year with the help of AnnualCreditReport.com. It’s also possible to pay for your credit report from the bureaus. All of them offer three-in-one products that can allow you to look at everything all at once.
You should dispute any fraudulent accounts immediately so that they can be removed from your report. If you are really concerned, you can also place a freeze on your credit report in order avoid more accounts being opened without your consent.
5. Sign Up for Credit Monitoring
Target is offering free credit monitoring for a year following its data breach. If this is offered to you, it makes sense to accept. You will receive alerts when something new happens with your credit, so you can take care of it quickly.
Even if you aren’t offered free credit monitoring, it might make sense to sign up for credit monitoring services. While you can monitor your own credit without the help of these services, the reality is that you are likely to forget. Signing up for a service can provide you with peace of mind, without the need for you to constantly check your situation.