We all receive various messages from different individuals or companies informing us that our data has been compromised and our credit card has been used. They request verification of our information, leaving us uncertain about the appropriate course of action. Unfortunately, many people still fall victim to these scams and follow the provided instructions, often with dire consequences. While we can usually restore normalcy, there are instances where irreversible damage occurs. In response to the calls we receive and the trends we observe, we have compiled some guidelines to help you make informed decisions.
1. Check Your Workplace Policy or Contact Us if You’re at Home
These threats come in diverse and increasingly sophisticated forms. To determine the correct steps to take when faced with a breach, review your company’s policy on handling such situations. If you’re at home and unsure, simply turn off your computer and reach out to us. Most of our clients have tools in place to thwart these clever schemes, but sometimes we need to assist in remediation.
2. Change Your Passwords
If you suspect a breach or compromise of your password, change it immediately. Many people use easily guessable or identical passwords across multiple platforms. If you’ve used a similar password elsewhere, change it promptly. Hackers often monitor multiple sites, exploiting our habits. Without exception, create distinct passwords for each of your accounts. If you’re concerned about remembering them all, consider using a password manager and generator.
3. Enable Multi-Factor Authentication (MFA)
MFA adds an extra layer of security to your online accounts, preventing unauthorized access with just a password. You can use apps like Google Authenticator, Authy, or Microsoft Authenticator to generate a code for site access. SMS-based MFA sends a code via text, and hardware keys are another option. If this seems overwhelming, our team is ready to guide you in taking control of your online security. Remember, while MFA enhances security, it cannot protect against phishing attacks. Never share your MFA code, even under pressure.
4. Freeze Your Credit Report
In the United States, a credit freeze prevents new creditors and potential thieves from accessing your credit report. You must set and remove freezes at each of the three credit bureaus. Hackers often use credit reports to gather crucial information for hacking attempts.
5. Set Up Credit Monitoring
Prevention is the best defense against hackers. Credit monitoring tracks your credit report and borrowing activity, alerting you to any changes. Some breached companies may offer this service, or you can opt for different levels of monitoring based on your needs.
6. Beware of Scammers – They’re Becoming More Deceptive
Scammers capitalize on data breaches and share acquired knowledge. They mimic communication from breached companies and may send malware or phishing links. Be vigilant and monitor the company’s website for breach information. Be skeptical of messages that seem off, with unusual email addresses or suspicious links. Pay attention to the red flags of urgency and requests for money or personal information. If in doubt, contact the company directly by phone rather than risking a trap.
At OMA Comp, we not only share information about potential threats and how to mitigate them but also stay proactive in identifying, educating, and assisting our clients in safeguarding their data.
Be proactive rather than reactive; it’s a more cost-effective approach. We have the skills, tools, and trained IT personnel to keep you and your data protected.
