There are cases where companies have exposed their customers' information either through an accident or a security breach. These companies may notify you that your information has been compromised.
If you have been told that information has been compromised but you have no evidence of fraud, you may want to take these simple steps to reduce the chances that you will have a problem.
Contact the bank or credit card companies for any accounts that have been compromised. You may simply want to change your passwords on any bank or brokerage accounts that are affected and ask the company to monitor your account for fraud. The U.S. Federal Trade Commission recommends that credit card accounts be closed.
If you close a checking account, it is important to inform merchants that checks you have written recently may not go through. If you use any form of automatic bill payment or have set up repeat credit charges or debits from your bank account, you may also need to update your account profile information with the relevant companies or service providers.
Remember, too, to update your PayPal account profile accordingly.
In the United States, if the information that was exposed included your Social Security number, contact the three major credit reporting bureaus and put a fraud alert on your report. This alert tells banks and credit companies that they should contact you directly to verify any applications for new accounts because of the higher likelihood for fraud.
If you are told that information from an identity document has been stolen, contact the issuing agency for a replacement. Alert them to the situation so that they can prevent someone else from using your name to get a fake ID.
Identity documents include:
You will have to be even more careful for the next six months to a year. Check your PayPal account, bank and credit card account balances often. Order one of your credit reports every couple months.
Other warning signs that your identity is being used fraudulently include: