How to freeze your credit after a data breach

  News, Rassegna Stampa
image_pdfimage_print

Back in 2017, Equifax announced that hackers stole half of the US population’s Social Security numbers in what, we said, “will likely end up being one of the worst data breaches to ever affect the country.” Perhaps — until this year, when about 2.9 billion rows of data were collected through a breach at National Public Data (NPD), a company that resells collected personal data for background checks. This data included names, Social Security numbers, and other personal information.

As usual, when this sort of thing hits the news, our immediate reaction is to wonder what we can do to prevent ourselves from falling prey to identity theft, unauthorized withdrawals, false credit applications, and other nasty consequences. And, also, as usual, the information from the breached organization — and from most news organizations — is often vague and unsatisfactory.

Unfortunately, at the time this story was written, National Public Data was not providing a lot of information about whose data was stolen. There are a couple of websites out there (specifically, npdbreach.com, from Atlas Privacy, and npd.pentester.com) that say they can tell you, but since they ask you to enter data such as your birth year, it’s up to you whether you want to trust them or not.

Many companies that have suffered a breach eventually offer the services of a security firm that will monitor your account for a period of time; but so far, the only thing NPD is doing is recommending that you monitor your accounts, get a free credit report, and initiate a credit freeze.

A credit freeze prevents creditors from viewing your credit file. Whenever you apply for a credit card, loan, mortgage, or even just to rent an apartment, the bank or landlord evaluates your credit and the risk of approving you. A freeze blocks them from retrieving your credit information, thereby preventing an attacker from taking out new credit in your name.