Tag: identity protection

Protect Your Online Identity after A Data Breach

If you are informed that your personal information has been compromised by a data breach at an organisation you have an account with then you need to take steps to protect your online identity quickly.

The message from that business will normally explain what data has been compromised and will make recommendations on what you should do. These may include:-

  • Change your password with that organisation immediately and make sure it is a strong password. (see https://fightback.ninja/how-to-keep-your-passwords-safe/ for further information on strong passwords)
  • Alternatively, you may not trust that organisation again and choose to delete your account with them.
  • Review any other accounts at other places that use the same password – change them also immediately.
  • Again, if you find accounts you can do without – then delete them.
  • Monitor your bank and other financial accounts regularly and contact the relevant institution if you spot anything suspect.
  • Review your online security generally
    • Strong passwords
    • Only keep necessary accounts
    • Do not use shared passwords if possible
    • Monitor all financial transactions
  • Consider taking out an identity protection service. There are various types of these available so choose carefully which suits your needs the best

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Identity Protection by Lifelock

Identity theft is where fraudsters assume your identity in order to access your bank account, take out new loans in your name, use your credit cards or carry out other criminal activities using your name.

Having your identity stolen can obviously be extremely damaging to your life as you may lose your money and end up in serious debt without any knowledge of what’s happening. By the time you realise that you’ve been attacked in this way, your life could have been wrecked and getting your identity back can be a long and painful process.

Lifelock is an American company that advertises heavily in the field of identity protection.

Lifelock say they leverage unique data, science and patented technology and provide identity threat detection, proactive identity alerts, and comprehensive remediation services. They have 4.4 million members currently.

Lifelock has three layers of defence for its members

1. DETECT & ALERT

The technology scans millions of transactions every second for threats to your identity, that is for unauthorised use of your identity.

2.   RESTORE

If identity theft occurs, then a U.S-based Identity Restoration Specialist will work to resolve your identity theft problem.

3.   STOLEN FUNDS REIMBURSEMENT

They reimburse stolen funds depending on the level of your plan i.e. how much you pay (the limit is $25,000 or $100,000 or $1 million)

If identity protection is a serious concern for you, then a service such as Lifelock may be of interest to you.

But you would still need to be cautious and use common sense as Lifelock doesn’t prevent identity theft – just makes it easier to catch and resolve the problem afterwards.

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