What Happens If I Place A Freeze On My Credit File
A security freeze will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent.
However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
Pursuant to federal law, you cannot be charged to place or lift a security freeze on your credit report. Contact the three major credit bureaus directly to place a security freeze on your credit file.
Definition Of A Data Breach
A data breach is any incident in which confidential or sensitive information has been accessed without permission. Note: data does not have to have been exfiltrated from the network to be considered a breach. Breaches are the result of a cyberattack by criminals who gain unauthorized access to a computer system or network. They then steal the private, sensitive, or confidential personal and financial data of the customers or users contained within.
Common cyberattacks used in data breaches are:
What Can You Do To Prevent This From Going Bad
As penance for its screw-up, Equifax is offering a year of credit monitoring and fraud alerts, which is something you should really be doing already anyway, and it shouldnt stop after just a year. The individual bureaus offer their own services, but you can also get a more overarching plan from a third-party like LifeLock or Identity Force. They each come with their own advantages and disadvantages ranging from price to coverage options, but the good ones will provide assistance in the case someone actually uses your identity for something nefarious.
Dixon suggests making an account with the Social Security Administration before someone else is able to do so using your information. Setting up an account only takes a few minutes, but will require that you have some information on-hand. During the registration process, it may ask you about things like active loans you have, monthly payment amounts, or even older accounts from a couple years ago. Failing to provide the correct info locks you out for 24 hours, so you only get one chance per day.
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What Is A Data Breach
A data breach occurs when a hacker gains access to the database of a service or company which contains users private information. This information can range from usernames and passwords to social security numbers, addresses and even payment details. These lists are then usually sold online to criminal groups who seek to use this information for profit.
Largest Recorded Data Breaches

Data breaches are becoming more and more common, and some of the most recent data breaches have been the largest on record. Heres a look at the largest data breaches in history.
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What To Do If Your Password Was Leaked
If you suspect that one or more of your passwords may have been included in the RockYou2021.txt collection, we recommend taking the following steps in order to secure your data and avoid potential harm from threat actors:
- Use our personal data leak checker and leaked password checker to see if your data has been leaked in this or other breaches.
- If your data has been compromised, make sure to change your passwords across your online accounts.
- Enable two-factor authentication on all of your online accounts.
- Watch out for incoming spam emails, unsolicited texts, and phishing messages. Dont click on anything that seems suspicious, including emails and texts from senders you dont recognize.
They Can Use Your Ssn To Open A Bank Account In Your Name
If you think back to when you opened your first bank account, you’ll remember that the bank didn’t require much information other than your name, address and SSN. That means that anyone with your SSN can easily open a bank account in your name, especially if the identity thief already obtained a driver’s license in your name.
Why would someone want to open a bank account in your name? You can be sure it is not to add to your savings. The hacker could use it as a landing spot for transfers from your legitimate bank account.
Pro tip: The minute you suspect your SSN has been stolen, call the fraud departments of the three credit reporting agencies and place a fraud alert on your file. This tells creditors to call you before they open any new accounts in your name.
It’s also critical to keep on top of your money. Using an online banking app makes it easier to monitor your account.
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How Can I Find Out If My Information Was Exposed
The University is working to identify the community members whose information was impacted. These investigations take time, and the University is working deliberately to provide accurate information as quickly as it can. As of June 30 and July 1, 2021, the University sent the appropriate individual notifications via Experian. UC community members are being notified via USPS mail where current physical addresses are available. If the University does not have a physical address, but does have an email address, it will send the notification via email. These notifications also included credit monitoring and identity theft protection activation codes for Experian IdentityWorks.
How Do I Sign Up For Experian Identityworks
Individuals eligible for credit monitoring and identity theft protection services were notified between May 12-14, 2021. An activation code is contained in the email to sign up for Experian IdentityWorks. The former universal activation code may no longer be used for new activations.
As of June 30 and July 1, 2021, the University sent the appropriate individual notifications via Experian. UC community members are being notified via USPS mail where current physical addresses are available. If the University does not have a physical address, but does have an email address, it will send the notification via email. These notifications also included credit monitoring and identity theft protection activation codes for Experian IdentityWorks.
If you have already signed up for Experian IdentityWorks using the former universal activation code, there is no need to sign up again.
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My Ssn Was Compromised What Should I Do Next
University community members should remain vigilant against threats of identity theft or fraud. You can do this by regularly reviewing and monitoring your account statements and credit history for any signs of unauthorized transactions or activity. If you ever suspect that you are the victim of identity theft or fraud, you can contact your local police. You may also contact the credit reporting agencies to place a fraud alert or security freeze on your credit reports in the case of identity fraud or theft.
Antheus Tecnologia Data Breach
Date: March 2020
Impact: 76,000 fingerprints
Antheus Tecnologia, a Brazilian biometrics company specializing in the development of fingerprint identification systems, suffered a breach to its server which could potentially expose 76,000 unique fingerprint records.
The data accessed consists of 2.3 millions data points which could be reverse engineered to recreate each original fingerprint.
Besides finger print data points, 81.5 million records were accessed, consisting of email addresses, employee telephone numbers and administrator login information.
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Cost Of A Data Breach
Its no secret that data breaches are costly for businesses. To calculate the average cost of a data breach, security institutes collect both the direct and indirect expenses suffered by the breached organization.
Direct expenses include forensic experts, hotline support, credit-monitoring subscriptions and potential settlements. Indirect costs include in-house investigations and communication, as well as customer turnover or diminished rates from a companys impacted reputation after breaches. See below to find out just how expensive it is to experience a breach and what elements cause the cost to rise even more.
Hackers Can Use Your Ssn To Get Credit Cards In Your Name

“The important thing for people to understand is that once someone has your Social Security number, particularly in combination with your name and address, they can do pretty much anything that requires your SSN,” said Brian Focht, an attorney and head of the Law Offices of Brian C. Focht in Charlotte, North Carolina, who lists cybersecurity and privacy law among his practice areas.
Focht said that fraudulently obtaining credit cards is by far the most common SSN scam that he sees in his practice. It is possible for a hacker to get a credit card with just your name, address and Social Security number. Once the credit cards are in place, fraudsters can run up a lot of debt.
Generally speaking, criminals aim to get the most they can with the least effort, Focht said. In his view, keeping your SSN safe requires two things: understanding and implementing security best practices, and luck.
“The best that anyone can do these days is be suspicious about anyone/anything that asks for personal information,” Focht said. “If it doesn’t seem right, it’s probably not. Beyond that, there’s just a lot that is way out of anyone’s control.”
Pro tip: If you suspect someone has opened a credit card in your name, Focht said your first calls should be to the three major credit reporting agencies: Equifax, Experian and TransUnion. Don’t just contact one call all three.
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Million Social Security Numbers For Sale: Developing Data Protection Legislation After Mass Cybersecurity Breaches
I. Introduction
Have you ever searched your name on Google and immediately found your phone number and home address on the very first page? Have you noticed that as you scroll on Facebook, the ads you see are tailored to your favorite stores and items? Have you ever wondered why certain apps on your phone track your GPS location, even when the app is not in use? Have you questioned whom your email address will be shared with when you sign up for a coupon on a stores website? Consumers are beginning to ask these questions in light of recent mass data breaches, like UnderArmours MyFitnessPal in 2018, Equifax in 2017, LinkedIn and Yahoo in 2016, and eBay in 2014, which affected hundreds of millions of Americans. 1
II. Background of Privacy Laws in the United States and European Union
Overall, this Part explores the scope of the data protection laws in the United States and EU. Section II.A provides background on the U.S. legal framework for data protection by examining the development of the right to privacy in the United States and by providing examples of various federal sector-specific laws and several state laws that regulate data protection. Section II.B discusses the development of the fundamental right to data protection in the EU and describes the data protections afforded to EU citizens under Directive 95/46/EC. Section II.C examines the purpose, scope, and future effect of the GDPR, which took effect in May 2018.
A. U.S. Data Protection Framework
C. Encryption
My Code Is No Longer Valid Or Ive Received An Error Message What Do I Do
Between May 12-14, 2021, eligible community members were sent an email with a unique activation code. The former universal activation code may no longer be used for new activations.
As of June 30 and July 1, 2021, the University sent the appropriate individual notifications via Experian. UC community members are being notified via USPS mail where current physical addresses are available. If the University does not have a physical address, but does have an email address, it will send the notification via email. These notifications also included credit monitoring and identity theft protection activation codes for Experian IdentityWorks.
If you have already signed up for Experian IdentityWorks using the former universal activation code, there is no need to sign up again.
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Why Did This Take So Long
The University was aware of the data posted to the Internet. Nonetheless, to gain a comprehensive and complete understanding of the full extent of the attacks impact, a leading forensic cybersecurity firm was engaged to determine precisely what happened and what data was accessed or acquired without authorization.
As part of that investigation, and to provide accurate information to University community members, the University began reconstructing what files may have been stored on the Accellion FTA over the relevant period, working with UCOP security teams and our external cybersecurity experts. As part of that effort, the University initiated a process to conduct a careful inspection of each and every file to determine what information was potentially affected in order to be able to provide accurate information and to give notice to each University community member whose personal information was impacted.
In addition to using sophisticated tools to parse and search the data, the University also conducted a manual review of each and every file. Because much of the data was unstructured, and because of the volume of files, this was a labor-intensive and time-consuming process that involved hundreds of hours of detailed review and analysis. The University used its resources to complete this investigation and analysis as quickly as it could, and, as of June 30 and July 1, 2021, sent the appropriate individual notifications via Experian.
Can I Check My Credit Reports
Yes. The credit monitoring agencies recommend that you should check your credit report at least once a year, if not more often, as part of your normal financial management practices. Some individuals prefer checking their credit scores monthly or even weekly. You can check your credit score as frequently as youd like without impacting your score.
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Yahoo Data Breach 2017
Date: October 2017
Impact: 3 billion accounts
Yahoo disclosed that a breach in August 2013 by a group of hackers had compromised 1 billion accounts. In this instance, security questions and answers were also compromised, increasing the risk of identity theft. The breach was first reported by Yahoo while in negotiations to sell itself to Verizon, on December 14, 2016. Yahoo forced all affected users to change passwords and to reenter any unencrypted security questions and answers to re-encrypt them.
However, by October of 2017, Yahoo changed the estimate to 3 billion user accounts. An investigation revealed that users’ passwords in clear text, payment card data and bank information were not stolen. Nonetheless, this remains one of the largest data breaches of this type in history.
They Can Use Your Ssn To Identify Themselves When Picked Up For Criminal Activity
In some types of SSN fraud, you, the victim, can get arrested and thrown in jail. This could happen if the SSN thief commits a crime and uses your name and SSN to identify himself when apprehended. Weisman said this scenario becomes even worse when the hacker posts bail and then doesn’t show up for the hearing.
“In that event, criminal charges will be on record against the identity theft victim , who will have difficulty straightening this out,” said Weisman, an attorney who includes identity theft as part of his practice.
Pro tip: If you do become a victim of this type of fraud, Weisman said you should contact the credit reporting agencies and demand they remove the false information from your credit report. You also should file a criminal complaint for identity theft with the local police so that it is a matter of record.
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Data Breach Defense + Prevention Resources
Companies need to examine lessons from the GDPR and update their data governance practices as more iterations are expected in the coming years. Its crucial to properly set permissions on files and remove stale data.
Keeping data classification and governance up to par is instrumental to maintaining compliance with data privacy legislation like HIPAA, SOX, ISO 27001 and more. Today, modern solutions offer great protection and a more proactive approach to security to ensure the safety of sensitive information.
Examine your data breach response plan and try a free risk assessment to see where your vulnerabilities lie.
The following resources offer additional information on the improvement of data protection and tips for data breach prevention.