It was just an ordinary day, until it wasn’t. Perhaps it was a few unknown charges you discovered on your credit card, or details such as an address change you did not make to one of your accounts. What you do know, is that you’ve been hacked!
It’s shocking and maddening, but after taking a few deep, cleansing breaths, the good news is there are steps you can follow to help minimize the damage and reduce your chances of being hacked in the future.
1. File a Report with the Federal Trade Commission (FTC): The FTC compiles and holds information pertaining to all reported identity theft cases. They also provide easy-to-use templates for filing police reports and disputing fraudulent activity.
2. Contact the Credit Bureaus: Contact Experian, TransUnion and Equifax and place a 90-day fraud alert on your credit report, which prevents credit from being opened in your name without your permission. Plus, each year you can get a free credit report. Take advantage of this yearly, and review it carefully for any inaccurate activity.
3. Contact Your Financial Institution & Lenders: Change account numbers and create new and strong usernames and passwords.
4. Alert the Internal Revenue Service (IRS) & Insurance Companies: As a safeguard, contact the IRS and your insurance companies to alert them of potential fraudulent activity in your name.
5. File a Police Report: Impersonating another person and/or using another person's account is a crime.
6. Take Corrective Action: As you continue to monitor your credit and personal information (name, address, birthday, etc.) be sure to report inaccuracies immediately.
7. Change All of Your Online Accounts: From online store accounts, to social media accounts, create new username and passwords.
8. Continue to be Proactive: In addition to continuing to monitor your credit and personal information, you may want to consider identity protection through your credit union. Financial Partners offers Identity Care to its members for as little as $3.99 a month, which includes protection and recovery benefits.*
*Identity theft insurance underwritten by subsidiaries or affiliates of Chartis, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.