What to Do After a Data Breach: Protecting Yourself and Your Finances
A data breach notification can leave you feeling vulnerable and powerless. Whether it’s a hacked bank, an online platform, or even a government agency, these breaches can expose sensitive details like your Social Security number, credit card information, and address.
While you can’t control when a company gets hacked, you can take steps to protect yourself after the fact. Here’s how to minimize the impact of a data breach and secure your personal information.
1. Change Your Passwords Immediately
The first step is to change your password for the affected service. If you’ve reused this password on other accounts, change those too. Using unique passwords for every account is a critical security habit.
A password manager can make this easier. It generates strong, unique passwords and securely stores them, so you only need to remember one master password.
2. Enable Multifactor Authentication (MFA)
Multifactor authentication adds an extra layer of security. Even if hackers steal your password, they won’t be able to access your account without the second factor, like:
A text message code
An authentication app
A physical security key
Enable MFA for the breached account and any other accounts where it’s available.
3. Monitor Your Bank Accounts
If the breach involved payment details, closely monitor your bank and credit card accounts for suspicious transactions. Report unauthorized charges to your bank immediately, and consider requesting a new card.
Proactively notify your bank about the breach. They can provide guidance and help you avoid being held liable for fraudulent charges.
4. Freeze Your Credit
Prevent identity thieves from opening accounts in your name by freezing your credit right away.
5. Review the Breach Notification
The breach notification contains essential information, including:
What type of data was exposed (e.g., passwords, credit cards)
Any reparations offered, such as credit monitoring
Instructions for securing your account
Check the company’s website regularly for updates, as the full scope of the breach may not be immediately clear.
6. Strengthen Your Cybersecurity
Take steps to enhance your device and network security:
Install a reputable antivirus program.
Use DNS filtering to block malicious websites.
Add email spam filtering to protect against phishing.
Consider using a VPN, especially on public Wi-Fi, to secure your online activity.
7. Stay Alert for Phishing Scams
Email addresses are often exposed in breaches, leading to a spike in phishing attempts. Protect yourself by:
Hovering over links to check their destination.
Visiting websites directly instead of clicking links in emails or texts.
Being cautious of unknown senders.
Watching for phishing on social media and messaging platforms.
If an email or message seems suspicious, verify its legitimacy through official channels.
8. Keep Software Updated
Unpatched software vulnerabilities are a hacker’s gateway. Regularly update:
Device operating systems
Applications and software
Router and printer firmware
Smart device firmware
Automate updates whenever possible to ensure consistent protection.
Managed Security Services for Peace of Mind
Want to stay ahead of potential breaches? Managed security services provide comprehensive protection for your devices and network, whether at work or home.
Ready to upgrade your cybersecurity? Contact us today to discuss how we can help you safeguard your data and devices.