5 Steps to Take After Being Hacked

pointing finger with the word hacked

Uh oh — you’ve been hacked! Luckily, there are ways to mitigate the damage and jumpstart your recovery process.

Step 1: Assess the damage

First, determine the damage. Unfortunately, one hacked password can be the gateway to multiple hacked accounts and even identity theft. Review your credit card and checking account statements for suspicious activity and try accessing your email, social media accounts and mobile devices to see if they’ve been hacked.

Step 2: Change your passwords

Once you know which accounts and devices have been hacked, change the passwords and PINs on them. For an added measure of protection, it’s a good idea to change the passwords on all your accounts that may hold sensitive information. Remember to choose strong, unique passwords for every account.

Step 3: Protect your credit

Dispute any fraudulent charges on your compromised account(s). If necessary, have the account(s) locked, or even removed.

Next, place a fraud alert on your credit reports. This serves as a red flag to potential lenders and creditors. Also, consider a credit freeze, which blocks potential lenders from accessing your credit report. This makes it impossible for the hacker to open new credit in your name.

Step 4: Alert the authorities

You can alert the FTC of a possible or confirmed identity theft at identitytheft.gov . You’ll also find a detailed recovery plan on the site to help you repair your credit and reclaim your identity.

Hacking is usually done remotely, but it’s still a good idea to let your local law enforcement agencies know about the breach.

Also, if you haven’t already done so, don’t forget to let us at Abilene Teachers FCU know what’s happened! If you’ve been hacked, give us a call at 325.677.2274 or 800.677.6770 to see how we can help.

Step 5: Proceed with caution

It’s important to keep a close eye on your accounts for the next month. Watch for suspicious activity on all accounts. If you spot any, be sure to let the account holders know and to follow the steps above.

If you’ve opted to go with a credit freeze, it will generally lapse after 90 days. If your accounts are determined to be safe now, consider opening new credit to jump-start the recovery of your credit health.

For more help and information check out our blog post on how to Fight Identity Theft.

Related posts

man on cell phone

You Might Be Talking to a Tax Scammer

Every year, tax scams come out of the woodwork. If a caller or emailer says that you have to buy any kind of prepaid card to settle a tax debt or resolve identity theft, you’re getting scammed. If you think you’ve been a target of a tax scam, fight back by contacting the IRS, FTC or Social Security Administration. Stay safe this tax season. Continue reading
Atm Safety Tips graphic

ATM Safety Tips

Using an ATM has become a routine event for most consumers. The familiarity of the task can cause people to lose the sense of caution that normally accompanies handling cash. Take a look at this blog post for some tips to keep you and your information safe. Continue reading
Group of counterfeit $100 bills

8 Ways to Spot a Counterfeit Bill

As printers and software have gotten more sophisticated, counterfeit money has gotten harder to spot. Check out this blog post for ways to determine if the bill you were just given is legit. If you’re passed a fake bill, get info about the passer, keep the bill safe and call the police. Continue reading