Data breach incidents are on the rise, and recent events highlight the urgency to safeguard your information online.

Recently, 2.9 billion personal records were compromised, affecting individuals across the US, Canada, and the UK. This data, including names and Social Security numbers, was taken from a background check service. Such sensitive details can lead to identity theft, enabling fraudulent applications for loans, jobs, and tax refunds without your consent.

This alarming breach is just one of many reported this year, illustrating that personal data is increasingly vulnerable. The latest data breach report reveals 3,205 publicly disclosed breaches last year, impacting around 353 million individuals, marking a staggering 78% rise from 2022. As of 2024, over 1 billion people have already been affected.

STEP 1: FREEZE YOUR CREDIT

After a breach, some advocate for placing a fraud alert on accounts, but freezing your credit is a stronger move. As one expert puts it, a fraud alert merely warns you if someone tries to access your credit, whereas a freeze can effectively prevent that access altogether.

Freezing your credit is simple. You need to reach out to the three credit bureaus: Equifax, TransUnion, and Experian. The initial freeze may take about 15 minutes, and if you wish to lift the freeze for new credit applications, expect it to take an additional 10 minutes.

STEP 2: REVIEW YOUR STATEMENTS AND ENABLE ALERTS

Research indicates that the average American spends roughly $924 annually on subscriptions. In the aftermath of a data breach, it's crucial to carefully review your credit card statements. Setting up alerts for unusual transactions or charges above a certain threshold can help you detect fraud early.

Additionally, take stock of your subscriptions. Many companies offer low monthly fees that can accumulate unnoticed. Regularly auditing these expenses can help you save.

STEP 3: REMOVE YOUR INFORMATION FROM ONLINE DATABASES

It's advisable to search for your name online to see what personal information is publicly accessible. Opting out of these databases can be a hassle, often requiring forms, faxes, or certified letters.

Alternatively, services like Delete Me or Incogni can assist in removing your information for a fee. Users have reported a noticeable drop in spam calls and unwanted texts after utilizing these services.

STEP 4: USE STRONG PASSWORDS

Creating strong, unique passwords is vital for online security. Utilizing password managers like OnePassword, Keeper, or LastPass is highly recommended. You can also create memorable phrases and customize them with unique numbers for different sites.

Fortunately, tech companies are beginning to introduce 'passkeys', which use biometric data for authentication, potentially making password management easier in the future.