Fraud Alert Action StepsSubmitted by Falcon Financial of Oklahoma, LLC on July 31st, 2019
Well here we go again. This time Capital One information was stolen by an employee of AWS. She has confessed and been arrested. But your personal information: Social Security number, birthdate, address, etc. may be affected. Unfortunately I write about this regularly.
First, lock/freeze your credit on all three agencies for everyone in your family. Equifax, Experian , and Transunion will allow you to freeze your credit. You cannot take out a loan without unlocking so if you are getting ready to buy on credit you should complete the loan first. Read the credit agency terms and instructions on how to lock and unlock. You have to create an account for each family member and keep track of the PIN they send you to unlock it.
Second, use a Password Manager. I recommend LastPass. When you hear this news it is easy to quickly change all your passwords. You do have to remember your main login password, which needs to be complex.
Third, if you were affected you may see emails over the next several months claiming to need you to take immediate action. Do not click on email links asking you to verify information. Your bank, credit card issuer, loan manager and the government will NOT send you such an email. Call them directly or login by entering the .url yourself. If you hover over email addresses and links it can be easy to see this is not a legitimate email. But the hackers are getting more careful. Just don't click on email links unless it comes for someone you expect to be sending you something. Your adviser will probably use encrypted email as well for your security. That means you may have to check your junk folder as some filters don't let encryption through.
Go do it now.