Data Breach Recovery

If you have a credit report, there’s a good chance that your sensitive personal information has been exposed to a data breach. The steps below can help prepare you for this unfortunate event, if you find this has happened to you.

Steps You Can Take to Help Protect Yourself after a Data Breach

  • Check your credit reports from Equifax, Experian, and TransUnion — for free — by visiting Accounts or activity that you don’t recognize could indicate identity theft. Visit to find out what to do.

  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts.

  • Monitor your existing credit card and bank accounts closely for charges you don’t recognize.

  • Consider placing a fraud alert on your files. A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name really is you.

  • File your taxes early — as soon as you have the tax information you need, before a scammer can. Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job. Respond right away to letters from the IRS.  Additional information is available from the IRS at

  • Be Skeptical of Phone Calls: the IRS will never contact you by phone. Never provide confidential information over the phone unless you initiate the call and are confident the telephone number is correct.

Visit to learn more about protecting yourself after a data breach.

credit freeze


For more information on credit freezes and fraud alerts, click here.