Millions of private financial records have already been exposed this year. Follow this simple plan to stay safe.
Updated: August 4, 2014
If you’ve eaten at a P.F. Chang’s restaurant anytime since last October, you could have been the victim of a data breach. According to the company, consumer credit and debit card information has been stolen from 33 restaurants in the U.S. (You can find a full list of the affected locations and dates of possible incidents here).
Today, CEO Rick Federico issued a formal statement apologizing to customers and assuring them that their data has been secure since the restaurant chain identified the breach in June. In light of that news, we’re resurfacing a post from earlier this summer, with advice on how to protect yourself in the event you think your personal data has been hacked.
At least 8.3 million private records have been put at risk in 250 separate data breaches revealed this year, says the nonprofit Identity Theft Resource Center. One upshot of the leaks (up 23% over 2013 through late April): greater awareness of the threat of identity theft. Follow this three-tiered plan to defend yourself.
1. Take Advantage of Free Tools
Visit annualcreditreport.com every four months to get a credit report from a different one of the three major reporting agencies, advises Ed Mierzwinski at advocacy organization U.S. PIRG. And sign up for any no-cost service your bank or credit card issuer has for notifying you of activity in your account.
2. Warn All Lenders
Afraid your data has already slipped out? Put a free 90-day fraud alert on all your credit reports by contacting Experian, TransUnion, or Equifax, says Paul Stephens of the nonprofit Privacy Rights Clearinghouse. That tells companies to use extra caution before issuing credit in your name. For confirmed identity-theft victims, alerts last seven years.
3. Lock Down Your Credit
For top security, freeze your credit, advises ID-theft consultant Robert Siciliano. Opening new lines of credit will require your password. Visit each of the big three bureaus online to launch it. Costs—up to $30 to place a freeze and $12 to lift it—vary by state.
- Is my data safe?
- What should I do if I have been a victim of a data breach?
- What should I do if I have been the victim of identity theft?
- How can I protect myself from ID theft?
- Do I need identity theft insurance?