Sponsor Robert Siciliano as he runs the Boston Marathon for Miles for Miracles, Children's Hospital Boston
ROBERT SICILIANO is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds.


Check here if you're human


Data Breach Aftermath

Pin It

Haste certainly doesn’t make waste if you’ve suffered from an entity getting hacked resulting in a data breach. Don’t waste a single minute delaying notifying affected accounts! In the case of a credit card company, they will investigate; you won’t have to pay the fraudulent charges. The breached card will be closed, and you’ll get a new one. And there is more.
All sounds simple enough, but the experience can be a major hassle. Below is what you should do upon learning your card has been breached:

  • If a SSN is breached, place a credit freeze or fraud alert with the three big credit bureau agencies. Placement of the credit freeze or fraud alert will net you a free copy of your credit reports; review them.
  • See if you can find companies that have accounts in your name—that you didn’t set up. Notify and cancel them. Make a list of entities that might be affected by your ID theft, then contact them.
  • If your identity is actually stolen, you may need documents to show creditors proof of your ID theft, you should file a report with the police and FTC.
  • Keep vigilant documentation of all of your relevant correspondence.

If your credit card was compromised, you also must contact every company or service that was on autopay with the old card. This includes quarterly autopays (e.g., pesticide company) and yearly autopays, like your website’s domain name. Don’t forget these! You now have to transfer all the autopays to your new card.

But you also must consider the possibility that your credit card breach is only the beginning of more ID theft to come. You now must be more vigilant than ever. If it can happen once, it can happen again.

  • Check every charge on every statement. If you don’t remember making that $4.57 charge…investigate this. Thieves often start with tiny purchases, then escalate.
  • Use apps that can detect anomalous behavior with your credit card account. These applications are free and will alert you if there’s a purchase that’s out of the norm, such as there’s a charge to the card in your home town, but an hour later another charge occurs 800 miles away.
  • See if your card carrier will let you set up account alerts, such as every time a purchase exceeds a set amount, you get notified.
  • Never let your card out of your sight. The thief could have been someone to whom you gave your card for a payment—they used a handheld “skimming” device and got your data. If you don’t want to hassle with, for instance, the restaurant server who wants to take your card and go off somewhere to get your payment, then pay cash (if possible).
  • Never use public ATMs; ones inside your bank are less likely to be tampered with with skimming devices.

Other than tampered ATMs and retail clerks taking your card out of your view to collect payment, there are tons of ways your personal information could get into a thief’s hands. Here are steps to help prevent that:

  • Shred all documents with any of your personal information, including receipts, so that “dumpster divers” can’t make use of them.
  • When shopping online, use a virtual credit card number; your bank may offer this feature.
  • When shopping, patronize only sites that have “https” at the start of the Web address.
  • Never save your credit card number on the site you shop at.
  • If a retail site requires your SSN in order to make the purchase, withdraw from the site and never go back.
  • Never give your credit card or other personal information to online forms that you came to as a result of clicking a link in an e-mail message. In fact, never click links inside e-mail messages.
  • Make sure all your computer devices have a firewall, and antivirus/antimalware software, and keep it updated.

Robert Siciliano is an identity theft expert to BestIDTheftCompanys.com discussing  identity theft prevention.

About the Author
ROBERT SICILIANO, CEO of IDTheftSecurity.com is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds. His "tell it like it is" style is sought after by major media outlets, executives in the C-Suite of leading corporations, meeting planners, and community leaders to get the straight talk they need to stay safe in a world in which physical and virtual crime is commonplace. Siciliano is accessible, real, professional, and ready to weigh in and comment at a moment's notice on breaking news.

Similar Posts

  • Online Gamers Risk Credit Card Fraud
    The Sony Corporation has been providing consumers with stellar electronics since before the introduction of the Walkman. The past six months have been harsher for Sony, with attacks by hacktivists and numerous breaches of clients’ data. Many recent breaches involved usernames, passwords, email addresses, and in some cases, credit card numbers. Each compromised data point is
  • It’s Beginning to Look a Lot Like the Holiday Shopping Season
    The holiday season is in full force. Not only is it time to bring out the tinsel while jamming out to holiday music, it’s also time to buckle down on your holiday shopping. Have you made your holiday shopping list yet? Luckily, in the U.S., the biggest shopping days of the year are coming up
  • Data Breach Notification Bill goes to the House
    H.B. 224, a newly introduced data breach notification bill for New Mexico, would mandate that organizations notify breached individuals within 10 days of breach discovery (unencrypted credit card data); and within 10 business days notifying the state attorney general if more than 50 NM residents are affected. The bill allows for a shorter notification deadline and
  • 8 Tips to Credit Card Security
    Despite the fact that tens of millions of consumers were hit by the numerous big breaches, and tens of millions more by less sensationalized breaches, you can still take the reins and yield some protection for your credit cards. Make online payments with single-use or prepaid cards. What a great idea! If you have multiple recurring payments
  • What is mCommerce and how do you keep transactions safe?
    mCommerce (or M-commerce) is using a mobile phone to make purchases. Like credit card transactions, your card/device can be either present or not present. In other words, “present” might mean your mobile is equipped with an application that you use to make a purchase in person, such as to buy a cup of coffee or

Comments are closed.

Xtreme School

Featured in

Anderson Cooper John Stossel Robert Siciliano Featured in
Browse by Month

Browse by Category