What To Do If You’re Info Is Exposed in a Data Breach

Author
Recent Posts

Keisha Smith is a Contributing Writer who attended college at Southern University A&M College in Baton Rouge. She is currently writing a book on south Louisiana culture.

Data Breach: What To Do Now

Verify the breach is real by checking official communications from the affected organization or trusted news sources. Avoid clicking links in unsolicited emails or texts claiming to be about the breach.

Change Passwords

Update passwords for any affected accounts, especially if you reused passwords across multiple sites. Use strong, unique passwords (at least 16 characters, mixing letters, numbers, and symbols). Consider using a password manager.

Enable Two-Factor Authentication (2FA)

Activate 2FA on all affected accounts and any others that support it, preferably using an authenticator app or hardware key rather than SMS.

Monitor Accounts

Check your bank, credit card, and other financial accounts for unauthorized activity. Set up alerts for transactions. Review email and social media accounts for suspicious logins or messages.

Another thing you’ll want to do is update your security software. Ensure your devices have up-to-date antivirus and anti-malware software. Run scans to check for threats.

Freeze Your Credit

Your credit score may drop if you’ve been exposed, but not always. If sensitive data like your Social Security number was exposed, contact the major credit bureaus (Equifax, Experian, TransUnion) to place a free credit freeze. This prevents criminals from opening new accounts in your name. You can also add a fraud alert for extra protection.

Check for Identity Theft

Use free services like Have I Been Pwned (haveibeenpwned.com) to see if your email or phone number was part of the breach. Monitor your credit reports for free at annualcreditreport.com for unfamiliar accounts.

Be Wary of Scams

Expect phishing attempts or fake “support” calls claiming to help with the breach. Don’t share personal info or click links from unknown sources. Verify contacts through official channels.

Report Identity Theft: If you notice fraudulent activity, report it immediately to the Federal Trade Commission at IdentityTheft.gov, which provides a recovery plan. File a police report if necessary.
Consider Identity Theft Protection: Some companies offer free monitoring services after a breach. You can also enroll in paid services for ongoing protection, though weigh costs against benefits.
Stay Informed: Follow updates from the breached organization about the scope of the breach and any offered remedies, like free credit monitoring.

Final Word

Having your sensitive information stolen in a data breach can be traumatic in more ways than one. Act fast to minimize damage, and stay vigilant for months afterward, as stolen data can be used later.

Taking care of yourself financially is the #1 way to live better later in life. If you do so, you can save money on travel, what you pay at the grocery store and other expenses.

Read how to get out of debt right now.

More From NolaFi.com:

Keisha Smith

Keisha Smith is a Contributing Writer who attended college at Southern University A&M College in Baton Rouge. She is currently writing a book on south Louisiana culture.