Data Breach Protection

• Use unique passwords for your accounts; if someone gets access to a password you reuse, it can make it easier for them to access your information across multiple sites
• Using a password manager can help you keep track of complex passwords or passphrases

• Adding an extra verification step can keep identity thieves from accessing your accounts if they only have your username and password

• The more familiar you are with your credit report, the easier it may be to spot fraudulent activity
• You can get a free copy of your credit report weekly at annualcreditreport.com

Credit freezes and fraud alerts are two free ways to add a layer of protection to your credit report:

• A credit freeze can be added to your credit report to prevent third parties whose use is not exempt under law from accessing your credit report. You can add, temporarily lift or remove a credit freeze at any time
• A fraud alert notifies creditors to take extra steps to verify the applicant's identity before extending credit

• Phishing happens when fraudsters try to trick you into sharing personal information online. They’ll often try to get you to submit your information on a fake website or download malicious software
• Vishing is a phone scam where someone calls a potential victim and tries to get them to provide their personal information or money over the phone
• Smishing occurs when a fraudster attempts to get personal information or money via text messages
• Trust your gut: If you receive a message that feels suspicious, don’t engage and delete it