Data Breaches Happen

Citi and Sony are two recent examples of the more prominent companies to experience significant data breaches. This brings the total number of incidents to 278 so far this year  – an average of 2 per day – and the total number of affected records to more than 115 million.

Does it seem like every time you tune into the news there is another big brand or well-known company entrusted with consumer data that has been hacked? Well, it’s because contrary to popular belief, there isn’t a way to stop identity theft.

However, there are early warning signs that can identify when there is a problem that can lead to identity theft. There are also ways to fix and then recover from any of these instances, if you have been a victim of theft or any identity related issue.

With that said, the following are simple steps that consumers can take to deter, detect and defend against these types of data breaches to become a smarter consumer and maintain the integrity of your identity.

• Frequently monitor your credit for irregularities. These can include something as seemingly harmless as a misspelled name, but don’t be mistaken – things like this can be harmful.
• If you spot irregularities, contact all three major creditors and ask to have a free 90-day fraud alert on your account.
• Should you fall victim, there is a long and trying process of restoring your identity.
• Be discerning about the type of information you are giving out online. You wouldn’t hand over your wallet that contains all of your personal information to a stranger on the street so don’t do it online.
• Make sure you are protected from all types of attacks and download anti-virus and anti-spam software from one of the many providers.
• Check out Security News Daily for some additional ways to be a smarter consumer in a recent blog post.

Just remember that when it comes to your identity, being informed and vigilant is your first line of defense.